Date Received: 2023-12-27
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: IL
Zip: 60426
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: NH
Zip: 03054
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: 79936
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My information was sold and bought illegally because I was a victim of the Equifax Data Breach. I want these items deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this Data Breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report. 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: PA
Zip: 151XX
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: 2023-12-26
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: 799XX
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: 2023-12-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To Whom It May Concern, I am writing to officially dispute the information found in my consumer report, as provided by your agency. Upon thorough review, I discovered that undisclosed personal information about me has been shared with a non-affiliated third party without obtaining my written consent. This action seems to be in violation of the regulations outlined in 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information. In accordance with my understanding of the Fair Credit Reporting Act ( FCRA ), I have the right to be informed about and control the disclosure of my personal information. The disclosure to a non-affiliated third party raises concerns about my privacy rights, as I was never given the opportunity to opt-out, as mandated by law. Upon careful examination of the report, I noticed that specific accounts are being reported without my written consent. It is crucial to clarify that my dispute is not with the creditor but with your reporting agency for disseminating and reporting information without proper authorization. I refer to 15 USC 1681b - Permissible Purpose, which mandates a consumer 's written consent for the reporting of personal information. Presently, I have not provided such written consent, and I kindly request documentation to validate my consent, demonstrating compliance with this legal requirement. Failure to provide evidence of my consent could be considered a violation of my rights under the FCRA. Additionally, I have filed a report with the Federal Trade Commission ( FTC ) regarding this matter, and the reference number for my complaint is XXXX. I believe that the unauthorized disclosure and reporting of my personal information may constitute a violation under 18 USC 1028a, potentially constituting identity theft. Pursuant to 15 USC 1681c-2, I formally request the removal of the following accounts from my consumer report within XXXX business days from the date of this letter : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Unauthorized Inquiries XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2022 XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2022 I affirm my right to a fair and accurate credit reporting process, emphasizing that the swift removal of these accounts is crucial to rectifying the reported inaccuracies. Furthermore, I request documentation regarding your method of verification for the disputed accounts and records showing proof of my option to opt out of the information being reported in my consumer report. This will ensure that your reporting agency adheres to the necessary standards for accuracy and fairness in credit reporting. I anticipate your prompt attention to this matter and the resolution of my dispute within the specified time frame of XXXX business days. Non-compliance with the provisions of the FCRA may result in further legal action. Thank you for your immediate attention to this matter.
Company Response:
State: FL
Zip: 33570
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: 2023-12-26
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 and 15 USC 1692. 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 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15U.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. The Fair Dept Collection Practices Act is intended to protect consumers against abusive, and deceptive debt collection practices and I have been abused and deceived so be it ; fact, affiant is aware and has proof in the attachment labeled as Exhibit A that XXXX XXXX XXXX is in violation of 15 USC 1692b ( 5 ). The Fair Dept Collection Practices Act is intended to protect consumer rights against A debt collector communicating with a consumer in connection with the collection of any debt unless permission is given. ; fact, affiant is aware and has proof in the attachment labeled as Exhibit A that XXXX XXXX XXXX is in violation of 15 USC1692c ( A ). The Fair Dept Collection Practices Act is intended to protect consumers against a debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. fact affiant is aware and has proof in the attachment labeled as Exhibit A that XXXX XXXX XXXX is in violation of 15 USC 1692b ( 2 ). The Fair Dept Collection Practices Act is intended to protect consumers against the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. fact affiant is aware and has proof in the attachment labeled as Exhibit A that XXXX XXXX XXXX is in violation of 15 USC1692d ( 2 ). The Fair Dept Collection Practices Act is intended to protect consumers against abusive, and deceptive debt collection practices and I have been abused and deceived so be it ; fact, affiant is aware and has proof in the attachment labeled as Exhibit A that XXXX XXXX XXXX is in violation of 15 USC 1692b ( 5 ). The Fair Dept Collection Practices Act is intended to protect consumer rights against A debt collector communicating with a consumer in connection with the collection of any debt unless permission is given. ; fact, affiant is aware and has proof in the attachment labeled as Exhibit A that XXXX XXXX XXXX is in violation of 15 USC1692c ( A ). The Fair Dept Collection Practices Act is intended to protect consumers against a debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. fact affiant is aware and has proof in the attachment labeled as Exhibit A that XXXX XXXX XXXX is in violation of 15 USC 1692b ( 2 ). The Fair Dept Collection Practices Act is intended to protect consumers against the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. fact affiant is aware and has proof in the attachment labeled as Exhibit A that XXXX XXXX XXXX is in violation of 15 USC1692d ( 2 ). These inaccuracies are causing me to be unable to purchase a home for my family. The constant harassment and reporting are affecting my ability to purchase a home and car.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 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: 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: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: It has come to my attention that my credit account with you remains compromised. Despite submitting an FTC fraud report XXXX XXXXXXXX it appears that items are not being removed. On XXXX XXXX XXXX following the purchase of a credit report from XXXX, I discovered unverifiable information on my personal profile. The presence of charge-offs, collection accounts, and inquiries continues to adversely affect my credit records. Regrettably, despite my consistent efforts, which include monthly credit report purchases and ongoing disputes through XXXX XXXX, no remedial actions have been taken on your part. In response to a call to your department, I was advised to submit a written request along with a copy of the identity theft report ( FTC report # : XXXX ). I have had no transactional history with the items listed below. Therefore, I urge your assistance in promptly removing the charged-off collection accounts and inquiries, along with correcting inaccurate information on my personal profile. Enclosed with this written request are copies of my Proof of Billing, Drivers License, and Social Security ID. Please address this matter expeditiously. Kindly delete the following fraudulent items : -- -- -- -- -XXXX XXXX XXXXXXXX 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 -EQUIFAX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30316
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: 2023-12-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.
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