Date Received: 2024-01-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
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 Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : DP OF EDUC Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48227
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: 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. has violated my rights. Or a list of inquiries : 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: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30297
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: Was not notified of investigation status or results
Consumer Complaint: EXPERIAN CONTINUALLY, DISPITE MY DISPUTES, REPORTS MY NAME, ADDRESSES AND CREDIT FILE INCORRECTLY. I HAVE SENT NUMEROUS NOTICES OVER THE YRS TO DISPUTE. EXPERIAN IS REPORTING THAT I HAVE DELIQUENT ACCOUNTS, HIGH BALANCES AND TOO NEW CREDIT..WHILE AT THE SAME TIME STATING THAT IT CAN NOT VERIFY MY IDENTITY. EVEN THOUGH EVERY DISPUTE I SEND IN HAS A DRIVERS LIC, PASSPORT, SS CARD, BIRTH CERT, EMPLOYER RETIRED ID, A BLANK CHECK, MEDICAL CARDS AND IMAGES OF DEBIT AND CREDIT CARDS. EXPERIAN IS SINGLEHANDEDLY DESTROYING MY CREDIT FILE. I HAVE NO DELIQUENT ACCOUNTS, AND ALL OF MY CREDIT CARDS HAVE A XXXX BALANCE. THE ONLY LOAN I HAVE OPEN IS MY MORTGAGE THAT I AM OF COURSE PAYING ON TIME. EXPERIAN IS CAUSING PAIN AND SUFFERING AND I RECENTLY FOUND OUT THAT THEY ARE BEING SUED IN A CLASS ACTION SUIT FOR XXXX DISCRIMINATION VIA THE INTERNET ALGORITHM, ULTIMATELY ISSUING LOWER CREDIT SCORES TO MINORITIES ESPECIALLY XXXX XXXX LIKE MYSELF. MY CREDIT SCORE SHOULD BE AT LEAST XXXX. MY CREDIT SCORE WAS HIGHER WHEN MY DEBT TO INCOME RATION WAS HORRIBLE LAST YR. IT HAS REMAINED AT XXXX NO MATTER WHAT HAS BEEN PAID OFF. THEY ARE CONTINUING TO REPORT MY NAME INCORRECTLY WHICH IS ALSO DAMAGING MY CREDIT FILE AND CAUSING CREDIT DENIALS, EMBARRASMENT, PAIN AND SUFFERING.ALSO I AM BEING SHUT OUT OF BUSINESS CREDIT AND HAVE TO CLOSE MY BUSINESS FULL TIME. IF I HAVE TO CLOSE MY BUSINESS I WILL FILE FOR DAMAGES UNDER THE FAIR CREDIT REPORTING ACT.THE ONLY RESPONSES PROVIDED ARE ROBOTIC EMAILS.THE PHONE NUMBER PROVIDED IS AN ARTIFICIAL INTELLIGENCE RECORDED LOOP THAT REFUSES TO TRANSFER YOU TO AN ACTUAL HUMAN BEING. I HAS BEEN A VISCIOUS CYCLE OF ME SPENDING MONEY TO COMMUTE TO THE POST OFFICE AND SEND THE LETTERS CERTIFIED AND FIRST CLASS MAIL FOR WHICH I WILL ALSO BE SEEKING DAMAGES. WHATS WORSE IS EVERYTIME I REPORT THEM TO THE CFPB, EXPERIAN RESPONDS THAT INFOXXXX IS VERIFIED AND THE CFPB CLOSES OUT THE CASE AS RESOLVED. I CONTINUE TO LODGE THESE COMPLAINTS AND DOCUMENT THEM FOR PAPER TRAIL PURPOSES.
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: In progress
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: Review the documents I've attached when it suits you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60707
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: 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 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 has violated my rights. Or a list of inquiries : 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: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33572
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: 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 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 has violated my rights. Or a list of inquiries : 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: GA
Zip: 30311
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: Investigation took more than 30 days
Consumer Complaint: This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, Experian, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. * Use of my copyrighted property * Violation of the Fair Credit Reporting Act section 1681b * Misrepresentation of facts 5. Please verify, under penalty of perjury, that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 6. Please provide ( a ) : copy of the certified, notarized contract made between ___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________and any of the previous alleged holders in due course of the alleged, original contract, validation, signed under penalty of perjury, from the stated creditor that you are under contract with them and authorized to act for them and forward a certified, notarized copy of the licenses ' and Bar Card Numbers of any and all Attorney 's involved in this fraudulent action to operate in all creditors ( b ) contact information of your hazard/insurance bond holder to allow me to place a line against those funds until a court hearing. 7. Please verify, under penalty of perjury, that if you fail to validate the alleged debt in thirty ( 3 ) davs and continue your fraudulent actions pertaining to this alleged debt you agree to pay to me, {$10000.00} by bank check, 8. Please verify, under penalty of perjury, that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing that you know is false with the intention that others rely on the written communication to the detriment of the name. Should you REFUSE OR FAIL to comply with the terms of this DISPUTE AND REQUEST FOR VALIDATION and choose to pursue this matter further, you will be doing so to your own detriment. You will be brought into a full-scale FEDERAL TRADE COMMISSION `` COMPLIANCE '' investigation for your unlawful conduct and fraudulent behavior by the agencies listed below. All your fraudulent actions and claims will be exposed to all fines, damages ( treble damages ) and sanctions will be brought to bear against you. remove accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: From XXXX XXXX XXXX XXXX XXXX XXXX all of my car purchases and repairs. Emails were submitted to State Agencies and yet he is still a XXXXXXXX. He has been to my home and deliberately hit my vehicles in the rear because of an accident that occurred in XXXX that was on my policy as fault for 5 years for a driver that hit my car and left the scene and arrested. He has feelings about the jacked up repairs to my vehicle then that all cars purchased after that date has the same problems as the complaint from the XXXX accident. There were 10 car purchases. The 1 car from XXXX with XXXX XXXX. XXXX was given back to XXXX by the Finance Co because of its condition at purchase. Next, 7 cars from XXXX all returned for broken rear wheel components and safety hazards. Next, XXXX XXXX and XXXX, XXXX XXXX XXXX which there were 24 inquiries done on my credit for 1 car. Definitely a red flag. Traded due to too many service appointments for the same issue. The wheels. Last, XXXX XXXX XXXX that XXXX XXXX sabotaged the order for the parts by calling XXXX from XXXX to ask which shop was my car in. XXXX never needs to know where my car is because all services are handled with the warranty co. The Auto administration refused to acknowledge his behavior because he mentioned the XXXX accidents from people hitting my car. No proof I had any affiliation with any person involved which I will testify to any jury anywhere. I was involved in 1 deliberate accident because he refused to fix my car properly and made it impossible for anybody else to fix the car as it was under warranty by both the dealer and XXXX insurance repairs which voids if done somewhere else. Please fix my credit according to this complaint. 10 cars and no flags should be flagged. Please and thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21218
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
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. has violated my rights. Or list of inquiries 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. All XXXX of these companies are reporting different information and I have different scores for each one each are not reporting accurate information. These inquiries are unrecognizable and need to be deleted they were not authorized by me 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 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 These addresses are old, non-mailable, or unrecognizable addresses and need to be removed 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 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit, these accounts are reporting late payments and i do not ever remember being late on these accounts and there has been no proof provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX resorts these XXXX collection accounts i have disputed when they first sent the letter to me about this debt they have provided no proof of owning these debt or the legal authority to collect on them i have disputed with experian and they have not provided proof either and have not deleted them from my report i have asked over a recorded call to cease and desist all communications as well as opting out of any reporting they continue to violate my request XXXX XXXX XXXX XXXX XXXX XXXX I have also asked experian, XXXX, and XXXX to fix the incorrect reporting of these accounts as charge offs with a balance due, show proof of the charge off and update the balance to XXXX XXXX or delete the negative payment status on the account which they have failed to do so XXXX XXXX XXXX XXXX credit card ending in XXXX XXXX XXXX XXXX XXXX ending in XXXX XXXX credit card ending in XXXX XXXX XXXX credit card ending in XXXX I need these things fixed immediately I have been discriminated against by the information this company has been reporting and have been denied credit on multiple occasions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34653
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48235
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A