Date Received: 2023-12-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.
Company Response:
State: IL
Zip: 60466
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Company Response:
State: MO
Zip: 63146
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: XXXX XXXX reported an account that does not belong to me. I have requested proof of debt validation 1. Original Contract 2. Proof of Payment history 3. Debt Validation Nothing has been resolved and it continues to show up on my report
Company Response:
State: VA
Zip: 20110
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: 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. Account XXXX : XXXX XXXX Account XXXX has violated my rights. Or a 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: 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: Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Company Response:
State: TX
Zip: 76017
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: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.
Company Response:
State: AL
Zip: 35810
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: XXXX XXXX XXXX reported on my credit an account opened XX/XX/22 for the amount of XXXX. This account DOES NOT BELONG TO ME. Please remove from my credit report immediately.
Company Response:
State: FL
Zip: 33309
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Please be aware that this is my final notice that I am sending you before I move forward with suing your company due to negligence, defamation of character, and violation of the FCRA. The following account XXXX XXXX XXXX XXXXXXXX should be removed from my credit report IMMEDIATELY. I have attached the letter from XXXX XXXX showing that you are reporting the wrong balance on my credit report. You are reporting that there is a balance of {$11000.00} which is completely incorrect. Also, the company is trying to collect a debt which is over the statute of limitations in the state of XXXX. The account was to be removed from my credit report in XXXX of XXXX, yet it is still reporting. You are also furnishing different information such as the balance and the Date last active. I will attach my credit report to this complaint showing the erroneous errors and the date showing that this debt is uncollectable and the account being over 7 years old. At this time, I am only requesting that this account be removed within 15 days. If this account persists, I will have no choice but to proceed with legal action against your company. Please see the attached docs and remove the aforementioned account from my credit report.
Company Response:
State: TX
Zip: 751XX
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 34472
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to seek your urgent intervention in a matter of grave concern that pertains to multiple violations of the Fair Credit Reporting Act ( FCRA ) by several creditors. These violations have had a profound impact on my life, affecting not only my financial well-being but also taking an emotional toll on myself and my family. 1. Incorrect Personal Information ( Name and Date of Birth ) : Violation : FCRA Section 1681e ( b ) Explanation : The creditors have reported inaccurate personal information, including my name and date of birth. This misinformation could lead to incorrect financial decisions, causing substantial distress and confusion. 2. Account Involvement and Reporting Violations ( XXXXXXXX XXXX XXXX - Account Number : XXXX ) : Violations : FCRA Section 1681c ( a ) : The creditors inaccurately reported account information involving litigation. FCRA Section 1681e ( b ) : They reaged accounts and reinserted negative information without proper notice. FCRA Section 1681i : They failed to conduct proper investigations into my disputes. FCRA Section 1681s-2 ( a ) ( 1 ) ( A ) : They failed to provide accurate information to the credit reporting agencies. FCRA Section 1681s-2 ( b ) : They failed to maintain reasonable procedures to ensure the accuracy of the information. 3. Account Involvement and Reporting Violations ( XXXX - Account Number : XXXX ) : Violations : FCRA Section 1681c ( a ) : The creditors inaccurately reported account information involving litigation. FCRA Section 1681e ( b ) : They reaged accounts and reinserted negative information without proper notice. FCRA Section 1681i : They failed to conduct proper investigations into my disputes. FCRA Section 1681s-2 ( a ) ( 1 ) ( A ) : They failed to provide accurate information to the credit reporting agencies. FCRA Section 1681s-2 ( b ) : They failed to maintain reasonable procedures to ensure the accuracy of the information. The impact of these violations on my life has been profound and distressing. Let me share a deeply personal story to illustrate the emotional turmoil these inaccuracies have caused. I vividly recall the heartache of explaining to my children why we couldn't move into the house we had hoped for. The denial for a home loan due to these inaccuracies shattered our dreams of providing stability for our family. It was not just a financial setback ; it was a blow to our hopes and aspirations. Seeing the disappointment in my children 's eyes was heart-wrenching, and I carry that burden with me every day. The emotional toll has been overwhelming. It has strained my relationships, impacted my mental health, and cast a shadow over our family 's future. I am not just fighting for financial justice ; I am fighting for the well-being of my loved ones. In light of the aforementioned violations, I respectfully request that the creditors promptly remove the unverified accounts from my credit report. These entries have been the source of significant hardship for me and my family. I implore the Consumer Financial Protection Bureau to take immediate action to enforce the legal rights provided by the FCRA. Your intervention would not only restore justice in my case but would also reaffirm the importance of fair and accurate credit reporting practices. I appreciate your attention to this matter and your commitment to ensuring fair treatment for consumers. I eagerly await your response and trust in the Consumer Financial Protection Bureau 's dedication to upholding the principles of justice and fairness in consumer finance. Please feel free to contact me at XXXX XXXX XXXX for any further information or clarification. Sincerely, XXXX XXXX XXXX
Company Response:
State: CA
Zip: 93041
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A