Date Received: 2023-12-28
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
Company Response:
State: GA
Zip: 30102
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 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: TX
Zip: 79936
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 the consumer, in fact, XXXX XXXX. XXXX XXXX XXXX did not have MY written expressed consent to communicate with any third parties for any alleged debt. Equifax did not do its due diligence in its initial investigation before allowing XXXX XXXX XXXX to furnish any information on or about me. XXXX XXXX XXXX has not given me any validation of this alleged debt.
Company Response:
State: NC
Zip: 27104
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 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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} U S DEPT OF EDXXXX Original creditor XXXX XXXX XXXX Balance : {$38000.00} CREDIT XXXX XXXX Original creditor XXXX XXXX XXXX : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance XXXX - XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : - Bankruptcy XXXX XXXXdischarged Filed on XX/XX/XXXX Reference number : XXXX Court : US BKPT CT TX XXXX Bankruptcy XXXX XXXXdismissed Filed on XX/XX/XXXX Reference number : XXXX XXXX : XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX NA Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX DEPT OF ED / XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : XXXX US DEPARTMENT OF EDU XXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXX Balance : XXXX XXXX XXXX Original creditor XXXX XXXX Balance : {$0.0XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX XXXX Balance : - XXXX - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX. XXXX Balance : - Bankruptcy : Dismissed XXXX Filed on XX/XX/XXXX Reference number : XXXX Court : US BKRP CT XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXX Balance : - XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - US DEPT ED XXXX Balance : - XXXX XXXXXXXX Balance XXXX - XXXX XXXX bankruptcy discharged Filed on XX/XX/XXXX Reference number : XXXX Court : U.S. Bankruptcy Court XXXX XXXX bankruptcy dismissed Filed on XX/XX/XXXX XXXX XXXX : XXXX Court : U.S. Bankruptcy Court XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 77406
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I hope this letter reaches you amidst a rare moment of competence, as my recent experiences with your organization have left me utterly dismayed and incredulous. It has become apparent that Equifax Information Services LLC is either grossly incompetent or intentionally negligent in addressing legitimate disputes on my credit report. I have submitted multiple requests for the investigation and correction of inaccuracies on my credit report. However, the responses I have received from Equifax thus far are nothing short of absurd and unacceptable. Your organization seems to excel at concocting preposterous excuses and providing no tangible resolutions. I am not amused, nor do I find humor in the blatant disregard for your responsibility in accurately reporting consumer credit information. It is beyond my comprehension why Equifax fails to comply with even the most straightforward requests to rectify errors on my credit report. This level of incompetence is not only frustrating but also a blatant violation of my rights as a consumer. XXXX XXXX FRAUD, PLEASE DELETE!!!!! I demand an immediate and thorough investigation into the inaccuracies on my credit report. This is not a request for courtesy ; it is a demand for compliance with the law and the basic principles of accountability. If your organization continues to evade its responsibility, rest assured that I am prepared to take legal action to ensure the rectification of these issues. I insist on receiving a comprehensive written response within 15 business days detailing the actions Equifax will take to investigate and correct the inaccuracies on my credit report. Failure to provide a satisfactory response will leave me with no alternative but to escalate this matter through legal channels and file formal complaints with the appropriate regulatory bodies. The time for excuses and evasion is over. I expect a level of professionalism and competence that reflects the gravity of the situation. Your immediate attention to this matter is not just requested ; it is demanded.
Company Response:
State: NY
Zip: 11211
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: It has been drawn out into the open that XXXX are not hindering records when I sent a copy of the FTC XXXX. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that XXXX decide to not obstruct the accompanying things recorded beneath which are answering XXXX because of XXXX, I will hand XXXX XXXX over to my lawyer to begin a legitimate activity. It's XXXX XXXX to not seek after XXXX XXXX activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 77459
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 did not authorize any of these creditors to obtain my consumer report. I never released any of my information for these creditors to also obtain my consumer report. I requested information from the consumer reporting agency but they did not provide me with any information regarding this matter.
Company Response:
State: DC
Zip: 20011
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: On XX/XX/2023, I requested a copy of the description of the method of verification procedure used to determine the accuracy and completeness of the disputed accounts in question. Including the name of the company and address and the person name who conducted the reinvestagation process to me. I never received anything from the credit bureaus. I was told I didn't need any documents for the process by their representatives. By State and Federal law, a consumer reporting agency SHALL provide to a consumer a copy of description of reinvestagation process referred to paragraph ( XXXX ) ( B ) ( XXXX ). Unverifiable accounts MUST be removed from a consumer 's credit file. Silence in this matter is unacceptable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Should all three credit bureaus continue to attempt to collect these debts without the proper validation, I have the right to sue all credit bureaus in small claims court and subject them to a fine of {$1000.00} per violation as well as my attorney fees and court fees as damages. I would like to remind that the credit bureaus are legally obligated not to report a debt that has not been properly validated. I am sure that the credit bureaus want to resolve this matter as quickly as possible and avoid any unnecessary complications Should they fail to respond to the letter within 15 days. Sincerely, XXXX XXXX XXXX XXXX.
Company Response:
State: IN
Zip: 47130
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: SC
Zip: 29617
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 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. The names on my credit report personal information are different people different spellings I have never applied for a card under these aliases or a loan under these aliases and addresses
Company Response:
State: NY
Zip: 13126
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A