Date Received: 2024-01-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Experian On XX/XX/XXXX XXXX. This inquiry was not authorized. Verify it with the creditor or remove it. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Remove it from my credit report XXXX. This inquiry was not authorized. Verify it with the creditor or remove it. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Remove it from my credit report XXXX. This inquiry was not authorized. Verify it with the creditor or remove it. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Remove it from my credit report XXXX. This inquiry was not authorized. Verify it with the creditor or remove it. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Remove it from my credit report XXXX. This inquiry was not authorized. Verify it with the creditor or remove it. XXXX Date of inquiry : XX/XX/XXXX Remove it from my credit report XXXX. This inquiry was not authorized. Verify it with the creditor or remove it. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Remove it from my credit report XXXX. This inquiry was not authorized. Verify it with the creditor or remove it. XXXX XXXX Date of inquiry : XX/XX/XXXX Remove it from my credit report XXXX. This inquiry was not authorized. Verify it with the creditor or remove it. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Remove it from my credit report XXXX. This inquiry was not authorized. Verify it with the creditor or remove it. XXXX XXXX Date of inquiry : XX/XX/XXXX Remove it from my credit report XXXX. This inquiry was not authorized. Verify it with the creditor or remove it. XXXX Date of inquiry : XX/XX/XXXX Remove it from my credit report XXXX. This inquiry was not authorized. Verify it with the creditor or remove it. XXXX Date of inquiry : XX/XX/XXXX Remove it from my credit report XXXX. This inquiry was not authorized. Verify it with the creditor or remove it. XXXX XXXX Date of inquiry : XX/XX/XXXX Remove it from my credit report XXXX. This inquiry was not authorized. Verify it with the creditor or remove it. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Remove it from my credit report XXXX. This inquiry was not authorized. Verify it with the creditor or remove it. XXXX XXXX Date of inquiry : XX/XX/XXXX Remove it from my credit report XXXX. This inquiry was not authorized. Verify it with the creditor or remove it. XXXX Date of inquiry : XX/XX/XXXX Remove it from my credit report XXXX. This inquiry was not authorized. Verify it with the creditor or remove it. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Remove it from my credit report XXXX. This inquiry was not authorized. Verify it with the creditor or remove it. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Remove it from my credit report XXXX. This inquiry was not authorized. Verify it with the creditor or remove it. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Remove it from my credit report XXXX. This inquiry was not authorized. Verify it with the creditor or remove it. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Remove it from my credit report XXXX. This inquiry was not authorized. Verify it with the creditor or remove it. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Remove it from my credit report XXXX. This inquiry was not authorized. Verify it with the creditor or remove it. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Remove it from my credit report XXXX. This inquiry was not authorized. Verify it with the creditor or remove it. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Remove it from my credit report XXXX. This inquiry was not authorized. Verify it with the creditor or remove it. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Remove it from my credit report XXXX. This inquiry was not authorized. Verify it with the creditor or remove it. XXXX XXXX Date of inquiry : XX/XX/XXXX Remove it from my credit report XXXX. This inquiry was not authorized. Verify it with the creditor or remove it. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Remove it from my credit report XXXX. This inquiry was not authorized. Verify it with the creditor or remove it. XXXX Date of inquiry : XX/XX/XXXX Remove it from my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30241
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90605
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have disputed these accounts for over a year now. They do not belong to me. Im a victim of fraud. XXXX XXXX {$22000.00} opened XX/XX/XXXX XXXX XXXX {$0.00} opened XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} opened XXXX XXXX XXXX XXXX XXXX {$4200.00} opened XXXX, XXXX XXXX My sister opened these accounts in my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20745
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 465XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX has furnished data to XXXX and Experian that violate my consumer rights. This action was done without my authorization per 15 U.S. Code 6802. Also the data being furnished is appearing as a charge off which is considered a certificate of indebtedness. Income can not be reported on a consumer report per 15 U.S. Code 1681.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27713
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33407
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43207
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A