Date Received: 2024-01-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$15000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00}
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX EQUIFAX and XXXX are reporting a account by the name of XXXX XXXX XXXX in which the information being reported is inaccurate XXXX shows that this account is still open while XXXX is showing this account in collections this is a violation of 15usc 1681b reasonable procedures it is required by all consumer reporting agencies to report information which is fair and equitable to me the consumer in regards to accuracy and confidentiality the dates the accounts were last active also does not match as well XXXX shows the date as XX/XX/XXXX and XXXX shows XX/XX/XXXX this is a violation of 15usc 1681b reasonable procedures it is required by all consumer reporting agencies to report information which is fair and equitable to me the consumer in regards to accuracy and confidentiality. XXXX XXXX XXXX is also a third party debt collector that I do not have any contracts with and this account should not be reporting on my consumer report these are apparent unfair and deceptive debt collections practices if there is no proof of contract meaning a contract between me the consumer and XXXX XXXX XXXX with my wet ink signature on it this account should be removed. Furthermore XXXX EQUIFAX and XXXX are also reporting and account from a company by the name of XXXX this account was charged off a charge off is considered a certificate of indebtedness which means it is income income is non public information and that non public information being reported on my report is a violation of my privacy rights under the privacy act of 1974. Furthermore XXXX XXXX and EQUIFAX are reporting an account from XXXX XXXX in which the dates the account was last active are being reported inaccurately XXXX shows the dates last active as XX/XX/XXXX while XXXX shows the date as XX/XX/XXXX and EQUIFAX shows the date as XX/XX/XXXX this is a violation of 15usc 1681b reasonable procedures it is required by all consumer reporting agencies to report information which is fair and equitable to me the consumer in regards to accuracy and confidentiality. Furthermore XXXX XXXX and EQUIFAX are also reporting a account from XXXX the balance on the account is being reported inaccurately XXXX SHOWS THE ACCOUNT AS XXXX while XXXX and EQUIFAX shows the account as XXXX the credit limit is also inaccurate XXXX and EQUIFAX show XXXX XXXX credit limit while XXXX doesnt show anything this is a violation of 15 usc 1681b XXXX also shows the account as 150 days past due while XXXX shows XXXX and EQUIFAX shows a statement saying it is 120 or more dates this is another violation of 15 usc 1681b the account was last active are also inaccurate as well XXXX shows it was last active XX/XX/XXXX and XXXX and EQUIFAX shows XX/XX/XXXX this is another violation of 15 usc 1681b. FURTHERMORE XXXX XXXX and EQUIFAX are also reporting and account from XXXX XXXX XXXX which is a third party debt collector that I have no contracts with I do not owe them any debt I demand that they provide proof of any contract I have with them with my signature on it if they can not provide this proof of contract then it must be removed the dates this account was last active are also inaccurate XXXX shows XX/XX/XXXX while XXXX and EQUIFAX both show XX/XX/XXXX this is a violation of 15usc 1681b reasonable procedures it is required by all consumer reporting agencies to report information which is fair and equitable to me the consumer in regards to accuracy and confidentiality XXXX XXXX EQUIFAX and the other corporations involved have damaged my livelihood and have been unfair and deceptive towards me the consumer
Company Response:
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
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 sent your company a letter on XX/XX/XXXX to request that you please include the additional information attached to my credit history report. As of yet, the account has not been added and I have not received a response. I am an authorized user on a XXXX XXXX card for my family member and you are not reporting this information. XXXX and XXXX are already reporting this account. You may verify this information with the source, and I have included their contact details. Please see the referenced account below and see the attached dispute letter dated and time stamped and add the following account to my credit report : XXXX XXXXXXXX XXXX XXXXXXXX Authorized user Credit limit {$30000.00} Open date XX/XX/XXXX Contact XXXX
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I been advised to give EQUIFAX 1 last chance to cure. I'm a federal protected consumer and my rights have been VIOLATED! I been dealing with this since XXXX. I been patient through the process, while I been giving the run around. I will have the CFPB send this to the FTC! So I want to be clear I do not want a statement stating we still working on it, and I do not want this is a duplicate or a simple account verified. I am asking and have been asking for the original wet signature contract between ME and XXXX XXXX XXXX I also want a copy of me given written consent to furnish ANYTHING on my consumer report. I'm also asking and have been asking for XXXX XXXX XXXX license to collect a debt in FLORIDA, the date of the license and the name on the license. To be clear EQUIFAX and XXXX XXXX XXXX have not provided me said items, but yet furnish account on my consumer report which VIOLATES my federal protected rights. The following federal laws been broken : FCRA 609 and 605, as well as FCRA 623. On top of that 15 USC 1681a ( 2 ) ( I ) and 15 USC 6802. Also 15 USC 1692g. To be clear I asked EQUIFAX AND XXXX XXXX XXXX to provided said items above, which they have not. It does not end there. EQUIFAX is reporting late payments on my consumer report, which VIOLATES my federal protected rights 15 USC 1666b. I DEMAND IMMEDIATE PERMANENT DELETION!!! IF NOT CFPB WILL HELP WITH LITIGATION AND REPORT THIS TO THE FTC!!! XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: n accordance with the Fair Credit Reporting act XXXX Account # 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. XXXX XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 08002
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: A close eye is being kept on my credit reports and I continue to see errors and inaccurate information. My concerns are constantly being ignored by the bureaus and it is causing me extreme XXXX and stress. It is clear that the bureau is not doing their job and ensuring the information that they are reporting is in fact 100 % accurate.
Company Response:
State: CA
Zip: 92392
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are accounts on my credit report that does not belong to me.
Company Response:
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Recently I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the agency didnt make sure it was reporting 100 % correct. XXXX XXXX is reporting on Equifax, XXXX and XXXX. I have know kowledge of this company. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. s 1681i ( 7 ) Method of verification Description of reinvestigation procedur e
Company Response:
State: TN
Zip: 38116
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX Account # 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
Company Response:
State: NJ
Zip: 08002
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A