Date Received: 2023-12-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: There was a date breach on Equifax exposed all my personal information to the public and my identity was used to make fraudulent transactions and it could be used for other purposes that I do not give permission to.
Company Response:
State: FL
Zip: 33185
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: Gettingunauthorizedhard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of theunauthorizedinquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 33144
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: The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 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: 33144
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am writing to report an unauthorized inquiry on my credit report. I recently discovered an inquiry that I did not authorize or have knowledge of this inquiry as a result of identity theft and must be removed no later than four ( 4 ) business days as per 15 U.S. Code sec. 1681c-2. I have also requested the Federal Trade Commission 's intervention to investigate and rectify this matter promptly. Thank you for your prompt attention to this matter. Inquiry XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Company Response:
State: AZ
Zip: 85296
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: Account information incorrect
Consumer Complaint: I have been submitting various requests to XXXX, XXXX and Equifax to have my payment history updated to reflect accuracy. Each agency is reporting different info for months XXXX and XX/XX/2023. They are illegally reporting inaccuracies on my profile. Furthermore this data should be excluded from my consumer report or reflect applicable to me. I have advised the credit agency of the errors and of my rights that are not being obeyed. XXXX sent a letter saying info verified but provided no proof of verification as I requested.
Company Response:
State: PA
Zip: 194XX
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: Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
Company Response:
State: FL
Zip: 32277
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: Problem with personal statement of dispute
Consumer Complaint: I am writing for the third time now to make the cfpb and XXXX XXXX aware that XXXX is violating my consumer privacy rights by willfully not complying with my written notices and demands. 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 respect for the consumers right to privacy. '' I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " 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 section 604 a section 2 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. '' apple card and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information, as I have already revoked all whether it be verbal, non-verbal, written, implied or otherwise in my notice dated XX/XX/23 which all companies have received and it is also evidenced by my first complaint filled on XX/XX/23 id XXXX and XXXX. 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. '' XXXX never informed me of my right to exercise my nondisclosure option. in addition to this, I have written several complaints against XXXX for their willful noncompliance in honoring my opt-out request. XXXX XXXX stated that they received my notice to opt out and continued to dishonor it because " Customers are unable to opt out of credit reporting ''. I asked XXXX for the law that states I was unable to opt out of reporting since I contended that 12 CFR 1016.10 ( a ) ( 1 ) EXPLICITLY STATES " ( 1 ) Conditions for disclosure. " you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless : ( ii ) " You have provided to the consumer an opt-out notice as required in 1016.7 " ( iii ) " You have given the consumer a reasonable opportunity, before you disclose the information to the nonaffiliated third party, to opt out of the disclosure; and ( iv ) The consumer does not opt-out. '' under section 2 12 CFR 1016.10 ( 2 ) " Opt out means a direction by the consumer that you not disclose nonpublic personal information about that consumer to a nonaffiliated third party, '' XXXXXXXX XXXX failed to meet the conditions of disclosure as they 1 never provided me the consumer an opt-out notice.2 they never gave me a reasonable opportunity to opt out of the disclosure. and 3 I have sent two formal notices to opt out that date back to XX/XX/23. XXXX XXXX stated in their response that I consented to their terms and agreements that permitted them to furnish my data. in their card member agreement, does not state at all the option to opt out or how to exercise my nondisclosure agreement. you can find their agreement online at XXXX XXXX XXXX on page 14 is their " Credit Information & Credit Reporting '' which states " This section describes how we use information about you that we obtain from credit bureaus, what information we may provide about you to credit bureaus, and how to dispute items on your credit bureau report. '' it continues to page 15 but nowhere in this agreement was I given notice of my right to opt-out or exercise a nondisclosure agreement. 12 CFR 1016.10 ( b ) clearly states that ( 1 ) You must comply with this section, regardless of whether you and the consumer have established a customer relationship. ( 2 ) Unless you comply with this section, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer that you have collected, regardless of whether you collected it before or after receiving the direction to opt-out from the consumer. since XXXX failed to comply with the federal code they are not permitted to furnish my data yet they still are reporting adverse claims to my report unlawfully. in addition to this XXXX stated The privacy policy was provided to the Customer at the time of account opening XXXX XXXX XXXX XXXX XXXX at any time. again this policy does not mention my ability to exercise my right to opt-out. I made XXXX XXXX aware that per 12 CFR 1016.7 XXXXXXXX XXXX must provide a clear and conspicuous notice to each of its consumers that accurately explains the right to opt-out under that section. The notice must state : ( i ) That you ( XXXX ) disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt-out right. again XXXX failed to provide this critical information to me during the time I had an account with applecard. also as stated in section ( ii ) clearly states that I the consumer have the right to opt out of the disclosure between XXXX and I. Among the violations XXXX also had unreasonable opt-out means as the only way I can opt out is to write a letter which violates 12 CFR 1016.7 ( 2 ) ( iii ) that states You ( XXXX ) do not provide a reasonable means of opting out if : " ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right ; ''. I again ask the cfpb to help me enforce my consumer privacy rights and demand applecard to provide the law that states I can not opt out since XXXX has made baseless claims that " customers can not opt-out '' and have failed to provide any proof of this claim even after I specifically asked them for clarity on this matter. as I have made my rights to opt-out, and expressed XXXX violations of federal law under 15 USC 1681 section 604, and15 USC 6802 ( b ) ( c ) clear backed by my consumer privacy rights codified in the cfr 12 CFR 1016.4, 12 CFR 1016.10, and 12 CFR 1016.7, I ask that XXXX provide proof of claim that, they tried to contact me on the said dates they stated, law or any other federal code that disputes my rights to opt-out. in both complaints that were filed, they failed to furnish the proofs I have asked for. XXXX XXXX has provided false claims against my consumer rights. XXXX XXXX has also used deceptive trade practices that have negatively impacted my financial capabilities. because XXXX 's actions have caused me significant emotional and financial distress as a result of the unlawful invasion of my consumer privacy. I am asking for the immediate removal of all reporting and to be opted out upon receiving this notice. I ask that CFPB protect my consumer rights as I continue to be negatively impacted by XXXX will noncompliance and neglect.
Company Response:
State: FL
Zip: 32301
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
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 am writing to bring to your attention the ongoing and frustrating situation regarding the reporting of inaccurate information on my credit file. Despite my numerous attempts to rectify the issues related to both a late open account and the presence of charge off accounts, the inaccuracies persist, negatively impacting my creditworthiness.Under the Fair Credit Reporting Act ( FCRA ) it is the responsiblity of the credit bureau 's to correct or remove the said accounts in my credit file. I am now submitting a formal complaint and urge the credit bureaus to conduct an immediate and comprehensive reinvestigation into the reported inaccuracies, including both the late open account and the charge off accounts. I am deeply frustrated by the persistence of these inaccuracies, which have significant consequences on my financial well-being. I trust that, given the gravity of these matters, your team will prioritize these issues for immediate resolution. I am asking for your assistance to correct these late open and charge off accounts in my credit file : XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/2020 - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Company Response:
State: GA
Zip: 30144
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am utterly appalled by the shocking and unjust refusal of my identity theft claims by your bureau, despite the fact that I have provided concrete evidence in the form of both an FTC and a police report. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. Let 's not mince words here : the fact that you have chosen to ignore my legitimate claims is not only infuriating but also an affront to justice. I have been victimized by identity theft, and the toll it has taken on my life, my financial stability, and my emotional well-being is immeasurable. I demand that you immediately rectify this grave injustice by acknowledging and thoroughly investigating my identity theft disputes. Your refusal to do so is not only a dereliction of duty but a blatant disregard for the suffering I have endured. The Federal Trade Commission ( FTC ) and law enforcement agencies have recognized the validity of my claims. I have taken every possible step to follow the proper procedures, and it is inconceivable that your bureau continues to ignore the law and my rights as a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. XXXX XXXX XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. If my pleas for justice continue to fall on deaf ears, let it be known that I am prepared to take drastic measures to protect my rights. I will not hesitate to enlist the aid of legal counsel to ensure that your bureau is held accountable for its negligence, the damage to my financial standing, and the immense emotional distress this ordeal has inflicted upon me. I expect a written acknowledgment of this dispute letter and an immediate commitment to investigate my identity theft claims with the urgency and seriousness they warrant. My distress and anger are immeasurable, but so is my resolve to see justice served.
Company Response:
State: NM
Zip: 87112
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance Owed : {$44000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Company Response:
State: FL
Zip: 33055
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A