Date Received: 2023-12-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed from my credit report.
Company Response:
State: TX
Zip: 763XX
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Company Response:
State: TN
Zip: 38135
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Ive attempted to resolve the issue of misleading accounts that I didnt authorize on my consumer report. I am aware of my rights and credit report agency should not be reporting inaccurate information. Please see attached letter of my dispute thank you
Company Response:
State: GA
Zip: 30092
Submitted Via: Web
Date Sent: 2023-12-26
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 delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.
Company Response:
State: FL
Zip: 33133
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 XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Company Response:
State: PR
Zip: 00784
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 am writing to express my dissatisfaction and frustration regarding the numerous unsuccessful attempts to remove late closed and charge-off entries from my credit file. I have made several requests to address these issues, but despite my efforts, the negative entries persist on my credit report. I have attached supporting documentation, including evidence of the resolutions and settlements reached with the respective creditors, as well as any relevant correspondence confirming the closure of these accounts. Despite providing this information on multiple occasions, the late closed and charge-off entries remain on my credit report, negatively impacting my creditworthiness. I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to maintain accurate and up-to-date information on consumer credit reports. The persistence of these inaccurate entries is a violation of my rights as a consumer, and I request immediate action to rectify this situation. I kindly request the following actions be taken : Thoroughly investigate the inaccuracies in my credit report related to the late closed and charge-off entries mentioned above. Promptly update my credit report to reflect the accurate and resolved status of the accounts in question. Provide me with a written confirmation of the corrections made to my credit report. I appreciate your attention to this matter and expect a timely resolution. Failure to address and rectify these inaccuracies within the stipulated timeframe may compel me to escalate this matter to regulatory authorities. I am asking for your assistance to remove these late closed and charge off accounts in my credit file:1. XXXX XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 2. XXXX XXXX XXXX Balance Owed : {$3000.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 3. XXXX XXXX Balance Owed : {$160.00} - 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. 4. XXXX XXXX Balance Owed : {$560.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Company Response:
State: MO
Zip: XXXXX
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: TX
Zip: 79912
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: 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: 79912
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: Investigation took more than 30 days
Consumer Complaint: on XX/XX/2023 i sent a dispute to Equifax to verify a collection account that i have any knowledge in regards to. They have yet to process my request and I have given them different calls. It is past the 30 days that i understand they are allowed to process.
Company Response:
State: FL
Zip: 32117
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: Public record information inaccurate
Consumer Complaint: I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Company Response:
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A