Date Received: 2023-12-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Upon reviewing my credit report, I noticed an unauthorized account from XXXX XXXX and charges on said account. I notified them this account was created without my consent. I also filed a fraud report, showing this theft had been reported. They continued to publish inaccurate information on my credit profile, with all three credit reporting agencies after giving them documentation. They closed the account and left it on my credit report. It was never my account and needs to be removed as it is affecting my overall ability to obtain credit.
Company Response:
State: NC
Zip: 28216
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: Investigation took more than 30 days
Consumer Complaint: I sent XXXX letters to XXXX XXXX company and the companies hasn't responded in the XXXX days XXXX reached out to the companies and notified them as well with a XXXX follow up letter that they haven't responded in the time allowed and now I'm requesting to have theses items removed from XXXX XXXX reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: PA
Zip: 19140
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: I have been disputing XXXX XXXX on my credit profile, I was a victim of identity thief and every time I dispute the account it will come back as verified even after I point out multiple violations and prove that all my XXXX credit reports are reporting different information from this company they are reporting deceptive information on reports also and is in violation of my consumer rights I have requested a validation letter from the company also requested method of verification from the credit bureaus on how they conducted they investigation. Also I did not authorize XXXX XXXX XXXX to report on credit profile. And I requested that the credit bureaus delete the account and they refused even after I notified them of the deceptive account
Company Response:
State: CA
Zip: 94621
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: In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, which states I have the right to privacy 15 USC 1681, section 604A, section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit as late for any purpose.
Company Response:
State: FL
Zip: 334XX
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: On XX/XX/2023 I contacted XXXX and XXXX and had a freeze placed on my credit report. I received confirmation that it would take XXXX hours for the freeze to be placed. On approximately XXXX XXXX I contacted Equifax about removing a bankruptcy from my consumer credit report that was listed fraudulently, they informed me they would have to investigate it. I received a letter dated XX/XX/2023 from Equifax stating the bankruptcy came back verified as mine and it was verified using XXXX, which could not be true because I called XXXX and they told me that I, indeed, have a freeze on my account.
Company Response:
State: TN
Zip: 37128
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: I have been a victim of identity theft since XXXX I have poof that my identity have been compromised it not fair to me that I got to suffer from someone else wrong choices I have no knowledge of the accounts thats reporting to my credit report they have been open with my information fraudulently the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent supporting documents stating that my identity where compromised and the accounts we open without my consent or knowledge using my information Under federal law 15.USC 1681A SECTION 2B STATES THAT I HAVE THE RIGHT TO DELETE ANYTHING OFF MY CUSUMER REPORT THAT HAVE BEEN OPEN USING MY INFORMATION WITHOUT MY CONSENT.
Company Response:
State: TX
Zip: 77090
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: Investigation took more than 30 days
Consumer Complaint: Dear CFPB, I'm writing to update you on my ongoing credit report dispute with Equifax, XXXX and XXXX regarding XXXX information ( Ref : Equifax XXXX XXXX : XXXX XXXX : XXXX. Unfortunately, despite filing my initial dispute on XX/XX/2023 and exceeding the XXXX timeframe outlined in the FCRA, I have not received any response or update from the bureau ( s ). The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA. 2. Demand a prompt and thorough investigation of my disputed information. 3. Hold the bureau ( s ) accountable for the delay and any harm caused. 4. Ensure the immediate removal of the inaccurate information from my credit report if verified. I have attached the following documents for your reference : 1. Copies of my credit reports 2. Copies of my dispute letters 3. Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. Sincerely,
Company Response:
State: NY
Zip: 11230
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 have suffered identity theft and power of attorney fraud by the following companies. Pursuant to XXXX XXXX XXXX XXXX XXXX, a United States Court of Appeals for the XXXX XXXX in 2001 ruled and emphasized that for a creditor to rely on a consumer 's consent, it must be informed and voluntary. Mere inclusion of a consent provision in a contract does not automatically establish informed and voluntary consent. The nancial institution must demonstrate that the consumer explicitly provided consent, indicating their understanding and agreement to have information reported to credit bureaus. Pursuanbt to FCRA 605b and 15 USC 1681 c-2 i demand the acount be removed and blocked from my reporting or you may be held liable for noncompliance pursuant to 15 USC 1681o and 15 USC 1681n . It is imperative to understand that failure to disclose information that should be made available constitutes fraud. Additionally, the unauthorized use of another person 's identifying information, without proper consent, amounts to Identity Theft. Under XXXX XXXX XXXX XXXX you may be held liable for Identity Theft. U.S. Court of Appeals for the XXXX XXXX recently ruled that a consumer does not have to prove actual damages to recover statutory damages for willful violations of the Fair Credit Reporting Act, In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. ( XXXX ; Equifax ; XXXX ) has violated many consumer rights. Under Title 15 USC 1681 604 ( a ) ( 2 ) a consumer reporting agency CAN NOT furnish any account without my consent. ( XXXX ; Equifax ; XXXX ) continues to defy my demands and report inaccurate accounts. ( XXXX ; Equifax ; XXXX ) has failed to provide me with their investigation process. Has failed to provide me with any documents and proof of validation. ( XXXX ; Equifax ; XXXX ) has also abused my privacy rights. Under Title 15 USC 1681 602 ( a ) it states I have a right to privacy and ( XXXX ; Equifax ; XXXX ) continues to engage in abusing my rights. They have also engaged in defamation of my character. ( XXXX ; Equifax ; XXXX ) is in violation of FCRA section 611 part ( A ) ( 1 ) I never gave ( XXXX ; Equifax ; XXXX ) any written instructions to furnish any of these accounts which is a violation of Title 15 USC 1681b and ( XXXX ; Equifax ; XXXX ) has caused me severe anxiety, and stress due to their abusive and unfair practices. The standard for unfairness in the Dodd Frank act is that an act or practice is unfair when : ( 1 ) it causes, or is likely to cause substantial injury to consumers And ( XXXX ; Equifax ; XXXX ) has caused me emotional and financial injury. According to 15 USC 1681 ( a ) ( 2 ), an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( XXXX ; Equifax ; XXXX ) falsely reported information that resulted in defamation of my character. Further, ( XXXX ; Equifax ; XXXX ) created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid, ( XXXX ; Equifax ; XXXX ) created a false impression that I was not able to pay the alleged debts. As a result, I was discriminated against and denied my right to extend credit. I also suffered emotional as well as financial hardship. Therefore, the ( XXXX ; Equifax ; XXXX ) Company is liable according to 15 USC 1681o. I hereby put ( XXXX ; Equifax ; XXXX ) on notice and would like to inform ( XXXX ; Equifax ; XXXX ) that I never gave consent to this report being furnished by ( XXXX ; Equifax ; XXXX ) on my behalf and I am also aware of the fact that ( XXXX ; Equifax ; XXXX ) assumed a vital role. As a result, my livelihood has been adversely affected. There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, ( XXXX ; Equifax ; XXXX ) is liable. Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. ( XXXX ; Equifax ; XXXX ) neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. I request ( XXXX ; Equifax ; XXXX ) to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with/the details of the system adopted by the ( XXXX ; Equifax ; XXXX ) organization to determine whether the transaction took place or not. Further pursuant to 15 USC 1681 ( a ) ( b ) the ( XXXX ; Equifax ; XXXX ) organization did not adopt such procedures that meet the need of commerce for consumer credit.
Company Response:
State: CA
Zip: 90717
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: Public record information inaccurate
Consumer Complaint: I am writing to dispute the inclusion of Delinquent Child Support Payments, on my credit report. According to the recent notice from your agency, federal court rulings have determined that Delinquent Child Support Payments, do not arise from a credit transaction and should not be reported on credit reports. Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 1 These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction. The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. If you use XXXX consumer report services in connection with the collection of an account, we advise you to promptly review the new case law with your regular attorney or compliance advisor. XXXX will be contacting each customer that is a third-party collector to discuss this issue. We expect to confirm with you that you are in compliance with this new interpretation. Until then, unless you advise otherwise, we are relying upon you to comply with your contract with XXXX and this new interpretation of the law. This means that you may obtain XXXX reports for collection purposes only when collecting on an obligation arising from a credit transaction, or where you have the written authorization of the consumer or a court order to obtain a consumer report. As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law.
Company Response:
State: FL
Zip: 33179
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 REQUESTED MY CONSUMER REPORT AND SAW THAT THERE WAS INACCURATE INFORMATION being reported that I as the consumer not notified about before reporting. On XX/XX/2023 I sent out a debt validation letter to XXXX XXXX XXXX the debt collection agency, and have not gotten a response since. I reached out to the credit reporting agencies after 30 days, requesting proof of the account, the method used, and certified receipts just proof as to why the inaccurate account was still reporting, I was told by the credit reporting agencies that the furnisher validated the account and its final as if I the consumer have no legal rights to my consumer file. The consumer agencies are ABOVE LAW by not following the law. All this back and forth without a solution has caused me XXXX XXXX XXXX, and financial stress.
Company Response:
State: GA
Zip: 30319
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A