Date Received: 2024-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46235
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Company is in violation of FCRA by way of multiple instances of inaccurate reporting the report should only have one name one number one address and they are also reporting non public private information as far as my driver licenses my personal financial institutions information as well as an unauthorized use from finwise bank stating they had written consent which is false Ive never done businesses with that financial institution the company is furnishing my ssn and doing it all for profit by way of identity theft and is Liable for damages under FCRA
Company Response:
State: TX
Zip: 77539
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX reported to credit bureaus that I was 90 days XXXX, however, they also reported XX/XX/2023 and XX/XX/2023 in good standing. This has affected my credit score significantly, I have 5 accounts totaling XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40508
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I XXXX XXXX have some Fruad accounts appearing on my experian credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19103
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX Account number XXXX In accordance with FCC regulations, the specific code or provision that grants me this right is outlined in Title 47 of the Code of Federal Regulations ( CFR ). While I do not have the exact code at hand, it is my understanding that the FCC ensures consumers have access to signed copies of contracts, especially those related to telecommunications and related services. This is a breach of contract and an adverse action for exercising my rights. Consumers also have rights under the Fair Debt Collection Practices Act ( FDCPA ), a separate federal law that regulates the practices of debt collectors. Under the FDCPA, if you request validation of a debt within 30 days of receiving the initial communication from a debt collector, the collector must provide you with certain information, including a written verification of the debt, if requested. However, this does not necessarily require the collector to provide the original signed contract or " wet documents. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXXXXXX XXXX Account Number XXXX opened XX/XX/XXXX, XXXX XXXX XXXX Account Number XXXX Opened XX/XX/XXXX, XXXX XXXX Account # XXXX Opened XX/XX/XXXX, XXXX XXXX Account # XXXX Opened XX/XX/XXXX, XXXX XXXX XXXX Account # XXXX opened XX/XX/XXXX All this account s not mine it is opend by somebody who stole my identity and used to get cards and loans. I dont have contract with this Agencies they did not provide me with original contract as i requested. In accordance with Fair Credit Reporting act Convergent Accounts Has violated my Rights. 15 U.S.C 1681 section 602 A. States i have the rights to privacy. 15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a accounts without my written instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91343
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am not liable for this debt with XXXX. I do not have a contract with XXXX XXXX XXXX they did provide me with the original contract as I requested. I have submitted complaints but have not received response and have been told that I have a completion date that is N/A
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
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. I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$380.00} written off. XXXX XXXX Under dispute Date opened XX/XX/XXXX XXXX {$740.00} Status Account charged off. {$740.00} written off. {$740.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX dispute Date opened XX/XX/XXXX XXXX {$1100.00} XXXX Account charged off. {$1200.00} written off. {$1100.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX dispute Date opened XX/XX/XXXX XXXX {$0.00} XXXX Account charged off. {$470.00} written off. XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. {$1300.00} written off. {$1000.00} past due as of XX/XX/XXXX. XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$3800.00} XXXX Account charged off. {$3800.00} written off. {$1600.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX Balance {$1200.00} {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. XXXX BANK Potentially negative XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX XXXX Collection accounts XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$480.00} Status Collection account. {$480.00} past due as of XX/XX/XXXX. XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$470.00} XXXX XXXX account. {$470.00} past due as of XX/XX/XXXX. XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1200.00} XXXX XXXX account. {$1200.00} past due as of XX/XX/XXXX. XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$380.00} XXXX XXXX account. {$380.00} past due as of XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98031
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
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. I told Experian, XXXX, and XXXX to reinvestigate these accounts : : # 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98037
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: With the debtor / creditor relationship to the businesses and relationship with the specific credit reporting agencies listed below following the accounts reported with each agency : EXPERIAN : XXXX XXXX XXXX XXXX : {$27000.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$11000.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX Amount : {$2600.00} opened XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX {$27000.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00} opened XX/XX/XXXXXXXX XXXX Amount : {$2600.00} opened XX/XX/XXXX XXXX : XXXX XXXX XXXX Amount XXXX {$27000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00} XXXX XX/XX/XXXXXXXX XXXX Amount : {$2600.00} opened XX/XX/XXXX Each of the debts reported above with the particular credit reporting agencies were all reported as charged-off/written-off 180 days after last " reported payments ''. With that being said The Fair Credit Reporting Act mandates accurate reporting though out the life of a debt, the FCRA requires creditors to report information that is as accurate as possible based on the information reasonably available. Sections 1681 ( b ) of the FCRA states that information must be as accurate as possible, This encompasses any changes in the debt status, including write-offs, adjustments, or offsets. When a Creditor receives a benefit, like a tax deduction, from writing off a debt, it creates an offset that necessitates adjusting reported debt amounts for accuracy. This generally involves informing the borrower and correcting the credit report and/or file to reflect the updated status. Pursuant to IRS publication 453, bad debt deductions. It states bad business debts are deductible on schedule C ( form 1040 ). This would mean that the business writing off an account as a bad business debt would result in said business receiving a benefit. That benefit would be considered an offset to that relatable debt. The list of examples of bad business debts are loans to clients, suppliers, distributors, and employees, credit sales to customers or Business loan guarantees. As I am aware that businesses are not required to inform borrowers that their debt has been written off/charged off, It is important to ensure that fair measures are actively being used to report accuracy of information on credit reports/files pursuant to the Fair Credit Reporting Act. To add to this, Every debt is in fact associated with contracts, this incorporates contract law into the matter. Contract law requires parties to operate in good faith, clean hands, and to communicate with one another. In fact, the most basic fundamental principles of contract law is the parties have a duty to communicate with one another. Now adding into consideration that when a business has received a benefit from writing off a debt, the business can not under the law of the fair credit reporting act, allow the original report to remain unchanged. The benefit operates as an offset and or set off, whether its called a charge-off or write off, it stills operate as a benefit offsetting the negative because the benefit operates as a positive. Since most businesses use accrual method of accounting the offset is mandatory as result of the businesses reporting practices. Failing to report the adjustment of the account resulting from the benefit received means that you are inaccurately reporting, resulting said account ( s ) not being accurately verified, and validated, and the law requires accurate reporting of accounts being validated, verified and accurate in regard to reporting debts, and creditors must do so for the duration of the reporting of the debt. The federal law requires those 3 issues to be addressed by every single creditor. As a result of this information, I am demanding the Creditors show the adjustment of all charge-off/written off accounts to reflect the balance change. One case citation relatable to this complaint is Johnson v. MBNA American Bank, N.A., 357 F.3d 426 ( 4th Cir. 2004 ) : This case found that a creditor violated FCRA by failing to update a consumers credit report to reflect that a debt had been discharged in bankruptcy. The court emphasized the duty to report accurate information throughout the reporting period.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A