Date Received: 2023-12-27
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: My Information was exposed in a data breach with Equifax. I tried to dispute items through websites without success as well as doing the credit freeze on my report I spent time calling, mailing letters, and doing extensive research to get these items removed from my report.
Company Response:
State: FL
Zip: XXXXX
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: Personal information incorrect
Consumer Complaint: Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Company Response:
State: LA
Zip: 713XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
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. 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: MD
Zip: 20785
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Consumer Financial Protection Bureau Subject : Complaint Regarding Equifax Data Breach Impact Claim Number XXXX I am writing to file a formal complaint concerning the significant negative impact on my credit report due to the Equifax data breach in XX/XX/2017. This breach, which affected approximately XXXX XXXX people, compromised my personal information, as confirmed by my involvement in the class action settlement ( Claim Number XXXX ). The breach has led to several inaccuracies in my Equifax credit report, including 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ** - **Dispute Reason** : Claimed as not your debt. - **Law Cited** : Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), which requires debt collectors to provide debt validation upon request. - **Action** : Request debt validation, dispute with credit bureaus and collection agency in writing. XXXX. XXXX XXXX XXXX ( XXXX XXXX ) ** - **Dispute Reason** : Debt not recognized by the consumer. - **Law Cited** : Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( a ) ), which mandates accurate information reporting by furnishers. - **Action** : Send written disputes to credit bureaus and collection agency for debt validation, citing FCRA. XXXX. XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX **Dispute Reason** : Account disputed by consumer after resolution. - **Law Cited** : FCRA 1681i, requiring investigation of disputed information. - **Action** : Send dispute letters to credit bureaus, stating its not your account. XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ** - **Dispute Reason** : Claimed as not your debt. - **Law Cited** : FDCPA for debt validation requirements. - **Action** : Dispute in writing, requesting validation. XXXX. XXXX XXXX - **Dispute Reason** : Incorrect repossession. - **Law Cited** : FCRA for accuracy in credit reporting and Nevada Revised Statutes 598C.130 for state-level credit reporting requirements. - **Action** : Dispute with evidence of inaccuracy. XXXX. XXXX XXXX XXXX XXXX **Dispute Reason** : Erroneous late payments. - **Law Cited** : FCRA 623 ( 15 U.S.C. 1681s-2 ), which requires furnishers to correct and update inaccurate information. - **Action** : Provide proof of on-time payments and dispute in writing. XXXX. XXXX XXXXXXXX XXXX ( 2 accounts ) ** - **Dispute Reason** : Inaccurate late payments. - **Law Cited** : FCRA 623 for correcting inaccurate information. - **Action** : Dispute in writing any incorrect late payments. XXXX. XXXX XXXX XXXX XXXX XXXX **Dispute Reason** : Incorrect XXXX late payment. - **Law Cited** : FCRA for accurate credit reporting. - **Action** : Dispute the late payment as inaccurate. XXXX. XXXX - **Dispute Reason** : Incorrect charge-off. - **Law Cited** : FCRA 623 for accurate information reporting. - **Action** : Dispute with credit bureaus and issuer if incorrect. XXXX. XXXX XXXX - **Dispute Reason** : Charged-off account not belonging to the consumer. - **Law Cited** : Nevada statute NRS 598C.160 for proper reinvestigation and FCRA for accurate credit reporting. - **Action** : Continue disputing the account.. These inaccuracies have unjustly damaged my financial reputation and creditworthiness. Despite Equifax 's denial of wrongdoing and the absence of a judicial finding of fault, the consequences for me have been tangible and distressing. I urge the CFPB to intervene and investigate these inaccuracies, seeking their prompt rectification by Equifax. My financial integrity has been compromised, and I rely on your support to restore the accuracy of my credit information. Thank you for your attention to this serious matter.
Company Response:
State: NV
Zip: 89113
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
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. CORNERSTONE CREDIT SER XXXX, XXXX XXXX XXXX, XXXX XXXX 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 an 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: AK
Zip: 997XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
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: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with non-monetary relief
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: Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 79915
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2023, I sent out XXXX letters to have these inquiries removed but I once again reviewed my credit report and found the same unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I asked that they DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete it.
Company Response:
State: TX
Zip: 77070
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 79915
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: IN
Zip: 46235
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A