Date Received: 2023-12-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was told by a representative attempting to sell a XXXX XXXX XXXX timeshare that they were going to pull a soft credit on my credit profile and no inquiry would appear on my credit report. The representative lied in an attempt to sell their product I wish to have the inquiry removed from my profile.
Company Response:
State: NC
Zip: 28215
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: Public record information inaccurate
Consumer Complaint: Data breach wrong address and no verification on bankruptcy
Company Response:
State: DC
Zip: 20020
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: CREDIT COMPANY FALSELY STATES THAT THEY DO NOT HAVE MY CREDIT FILE
Company Response:
State: NY
Zip: 10033
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. 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: LA
Zip: 70461
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: Their investigation did not fix an error on your report
Consumer Complaint: Despite my previous 4 written requests, the unverified items listed still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of your willful disregard of Federal Law.
Company Response:
State: MA
Zip: 02124
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. Also according to 15 USC 1681 s-2 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. This is violation after violation after violation. This is causing me stress because I have no hope with this system
Company Response:
State: NJ
Zip: 07087
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: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Be advised that I hereby dispute the validity of the alleged debt listed above entirely. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, illegally collected the above-listed alleged debt and took payment on a debt that I do not owe, EXTORTION and theft by deception. Defamation of character and Slander of my name. Fraud and GROSS MISREPRESENTATION. No consideration, False advertising such as advertising " loans '' based on the customer 's own credit. I have an absolute right to rescind a signature from any contract or agreement that was not fully disclosed to me. Such a contract or agreement is null and void, as if it never existed at all, and all to return to the lawful owner plus reasonable money and interest. I am not obligated by any contract or agreement obtained under conditions of fraud, deceit, or non-disclosure. Reporting Late payment and Utilization is illegal! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 10 calendar days to update my late fees and reporting balance or balance utilization to 5 % or below and or delete all reporting balance Utilization and late fees from the below account/s or I demand account DELETED Wherefore there can be no payment of debt. Only discharge of debt, acceptance and return for discharge. 1692K Civil liability. Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for willful and knowing violation. I agree to pay any financial obligation which I might lawfully owe, on the condition that you provide : 1. Validation of the debt- that is, the actual accounting per GAAP . 2. Verification of your claim against me. A signed invoice or sworn affidavit. 3. A copy of the contract binding both parties, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 1. I need full Disclosure. I was not told that I was actually creating the credit. 2. Equal Consideration brought nothing of value to the table and had nothing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lose. 3. Law terms and conditions were based on fraud! 4. The wet ink signature of both parties. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX actual damages, Defamation of character, consumer rights violations, multiple violations of Federal Debt Collection Practices Act ( XXXX PA ), Fair Credit Reporting Act ( FCRA ), fraud, aggravated identity theft, Identity theft, extortion, theft by deception, Securities and Exchange Commission ( SEC ), Generally Accepted Accounting Principles ( GAAP ) fraud, Conspiracy and Racketeering of {>= $1,000,000}. Within 10 calendar days after receipt of a notice, shall return a, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any money that has been given to anyone in connection with this transaction and shall take any action necessary to reflect the termination of the security interest. XXXX XXXX will further pursue all of my legal remedies without further notice. This letter serves as evidence that XXXX XXXX has attempted to resolve this matter formally before filing a court case. I will demand discovery and trial by jury. Failure to properly respond will be followed up with our FTC, XXXX and Attorney General complaint, fee schedule and lawsuit. Fraud vitiates the most solemn contracts, documents and even judgments [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. It would be unjust to allow one who made false representations to retain the fruits of a bargain induced by such representations. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Company Response:
State: FL
Zip: 32746
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: Their investigation did not fix an error on your report
Consumer Complaint: I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Company Response:
State: MA
Zip: 024XX
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: Personal information incorrect
Consumer Complaint: Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Company Response:
State: VA
Zip: 22554
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: Personal information incorrect
Consumer Complaint: wrong address on file! I have wrote them several times I have certified mail receipts ... .I might need to be considered in the lawsuit against the bureaus the one from XXXX ... .update and correct my address or I will file lawsuits for inaccurate infomation I cant get insurance because of these address errors.
Company Response:
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A