Date Received: 2024-01-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Credit inquiries that i did not authorized 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: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89110
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: ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 088XX
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: Personal information incorrect
Consumer Complaint: Delete the following undeliverable addresses. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60586
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34638
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN XXXX DAYS, INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 320XX
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've written to you in XXXX regarding these intentional violations by these for profit companies below and I'm now seeking monetary remedy. The receipts for those are XXXX for XXXX XXXX XXXX XXXX XXXX for XXXX, XXXX, for XXXX, XXXX, for Experian , and XXXX, for XXXX. I'm also looking for a consumer Attorney to go after these companies to collect for damages they've intentionally have caused me and continue to do. You already know the story of XXXX phishing or soliciting for my information to sell it for profit while financially crippling me. For two years I've been unable to operate in commerce, unable to purchase a house and this past year, I've been unable to purchase myself an automobile because of this. Not once have any of these people who I've written notices to have legitimately responded with the law and what gives them the right to intentionally violate my rights and not one responded with such laws. The most recent times, I've written to these three companies regarding the removal of this unlawful bankruptcy that is harming my credit profile that I've never given any written consent for them to put on there, including the charges that I've charged them for these violations, and damages they've caused and continue to cause. Per tacit agreement they were also warned that they were going to be charged each day that they continue to report these harmful remarks on my report pursuant to the terms as they agreed upon per tacit agreement and acquiesce : XXXX- Previous Affidavit Tracking # XXXX XXXX XXXX XXXX XXXX XXXX, Received on XX/XX/XXXX at XXXX XXXX- Previous Affidavit Tracking # XXXX XXXX XXXX XXXX XXXX XXXX, Received on XX/XX/XXXX XXXX XXXX XXXX- Previous Affidavit Tracking # XXXX XXXX XXXX XXXX XXXX XXXX, Received on XX/XX/XXXX at XXXX Experian was the only one to delete it sometime around XX/XX/XXXX of XXXX, however I had to dispute it multiple times in order to get the damaging bankruptcy removed from my credit profile. XXXX- ( Notice of Default, and Acceptance by Acquiesce to Resolve all Matters ) Most Recently sent, Tracking # XXXX XXXX XXXX XXXX XXXX XXXX- ( Notice of Default, and Acceptance by Acquiesce to Resolve all Matters ) Most Recently sent, Tracking # XXXX XXXX XXXX XXXX XXXX Experian- ( Notice of Default, and Acceptance by Acquiesce to Resolve all Matters ) Most Recently sent, Tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX- ( Notice of Default, and Acceptance by Acquiesce to Resolve all Matters ) Most Recently sent, Tracking # XXXX XXXX XXXX XXXX XXXX The credit bureaus violated my rights under 15 U.S.C. 1681. According to : 15 U.S.C. 1681 section 602 A. States I have a right to privacy. These actions also violate my rights under the Privacy Act of 1974. According to : Office of Privacy and Civil Liberties, U.S. Department of Justice, under The " No Disclosure without Consent '' Rule : I have a right to privacy if I never gave them consent. If I did give them my consent, they must provide me with a certified copy, sworn and signed and notarized before a public notary of a county clerk officer. According to : 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. According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. section 603 section ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. These companies are the prime reason why consumers have their identities stolen each year by way of careless misuse of consumer 's private information. These companies should not have this type of control over consumers and should be shut down for good. You've already received from me the evidence regarding these facts. These Credit Reporting agencies willfully continue to cause me severe damages, emotional stress, XXXX to where I just want to give up on life, invasion of privacy, selling my private information to third parties, ruined my reputation, causing me tons of money in unnecessary fees in interest, causing me to be discriminated against due to unfair practices and continue to get denied my own credit, and unable to establish a sustainable living to support my family. I've been unable to use my credit to purchase another automobile due to the unlawful deceptive actions and the fraud perpetrated against me by XXXX representatives. Also by copying and pasting my signature on other documents to make millions. 1. Evidence from bankruptcy court that they don't give this information to these companies. THIS HAS ALREADY BEEN PREVIOUSLY ADDRESSED AND UPLOADED TO YOU. 2. XXXX response to opting out permanently. THIS HAS ALREADY BEEN PREVIOUSLY ADDRESSED AND UPLOADED TO YOU. 3. XXXX XXXX, Police report. THIS HAS ALREADY BEEN PREVIOUSLY ADDRESSED AND UPLOADED TO YOU. 4. XXXX District Court dismissed the case after suspending my license and reinstating it due to them discovering and having evidence that someone had stolen my identity and all charges were dropped. Ends results were that the Attorney is charging the perpetrator. THIS HAS ALREADY BEEN PREVIOUSLY ADDRESSED AND UPLOADED TO YOU. 5. Fees that I paid for this unfortunate court case of identity theft, and to prove my identity was indeed stolen. THIS HAS ALREADY BEEN PREVIOUSLY ADDRESSED AND UPLOADED TO YOU. 6. Attorney General complaint of stolen identity and Attorney forging my signature to transfer a title of my automobile back to XXXX illegally. THIS HAS ALREADY BEEN PREVIOUSLY ADDRESSED AND UPLOADED TO YOU. 7. FTC report of foul play by Attorney and XXXXXXXX employees or representatives. THIS HAS ALREADY BEEN PREVIOUSLY ADDRESSED AND UPLOADED TO YOU. 8. Evidence of accounts that are clearly violation and inaccurate information that must be deleted immediately, including the removal of that unlawful bankruptcy they attached to my profile and inquiries that are on my file that may have been linked to bankruptcy and the identity theft. THIS HAS ALREADY BEEN PREVIOUSLY ADDRESSED AND UPLOADED TO YOU.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48021
Submitted Via: Web
Date Sent: 2024-01-24
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 contacted Experian to let them know they are reporting my student loans twice. Which make it seems as if I owe more money than I actually do. I informed them that the loans were transfered to XXXX and that XXXX is no longer my loan company. They told me that they reported to them. I informed them that they have not reported to them since last year XXXX of XXXX. Now they have updated the status as if they just reported to them this month of XX/XX/XXXX. Which is a total lie because it is closed out at XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 464XX
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: Items on my credit file are inaccurate and has not been validated correctly per FRCA and FRPCA regulations. Listed items on my report are from companies that I have no contract with my validated signature to prove that I owe these companies nor can they place any item on my credit file. No validated proof has been provided. SEVERAL REQUESTS HAVE BEEN SENT BY MAIL AND BY NET. To Include : Experian XXXX XXXX Accounts in disputes : XXXX XXXX XXXX Signed Contract with Company. XXXX XXXX-Collection Account-No Signed Contract with Company. XXXX XXXXThey state they sold account and can no longer collect nor place on my credit file. XXXXThey State they sold account and can no longer collect nor place on credit file. XXXX XXXX XXXX XXXX-Collection Account-No Signed Contract with Company. XXXX XXXX XXXX-Collection Account-No Signed Contract with Company. There are NUMEROUS DISCREPANCIES on my credit files with Accounts showing Closed-Collection with listed agencies. There has been XXXX validations provided to prove accounts are valid. There are Several Inquiries on my credit file that I have XXXX affiliation with and have requested removal from all reports and nothing has been removed. This is harming my credit and has been detrimental to my credit file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 744XX
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: Items on my credit file are inaccurate and have not been validated correctly per FRCA and FRPCA regulations. Listed items on my report are from companies that I have no contract with my validated signature to prove that I owe these companies for these debts nor can they place any item on my credit file. No Validated Proof has been provided. SEVERAL REQUESTS HAVE BEEN SENT BY MAIL AND NET. TO INCLUDE : EXPERIAN XXXX XXXX ACCOUNTS IN DISPUTE : XXXX XXXX XXXX XXXXNo Signed Contract with this company to validate. XXXX XXXX XXXXNo Signed Contract with this company to validate. XXXXPaid in full/No lower settlement amount was agreed on. PAID FULL AMOUNT OWED-NOT a Collection-Charge-Off. There are NUMEROUS DISCREPANCIES on my credit files with Accounts showing Closed-Collection with listed agencies. There has been XXXX validations provided to prove accounts are valid. There are Several Inquiries on my credit file that I have XXXX affiliation with and have requested removal from all reports and nothing has been removed. This is harming my credit and has been detrimental to my credit file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 744XX
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: Information belongs to someone else
Consumer Complaint: I lost my wallet while attending a football game in XXXX that included my driver 's license and social security card. I was unable to recover it. I recently pulled a copy of my credit report and noticed addresses and accounts that I have no affiliation with. I contacted the credit reporting agencies and notified them that someone has accessed my information and applied for lines of credit in my name and a fraud alert was placed on my account. I not only contacted each bureau by phone but requested verification and that all fraudulent addresses be removed from my account by mail in XXXX XXXX XXXX XXXX XXXX. I requested the accounts be verified and have yet to receive a formal response. Furnishing accounts to my credit profile in result from identity fraud violates FCRA 15 USC 1681c-2 and my consumer rights. I also noticed credit inquiries listed on my reports that I did not authorize or apply for from the following creditors : 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 Furnishing these inquiries I have no knowledge of or have given written consent for is in violation of 15 USC 1681B. I also requested that all fraudulent addresses that I have never resided be deleted and my current any only address be updated on my profile. I see that credit reporting agencies have also not updated this information per my request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A