Date Received: 2024-01-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently checked my credit report and saw accounts reporting that I do not even recognize that is unfamiliar to me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 355XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Experian closed another complaint without addressing the issue but reverted back to the long form computer generated response which is Experian standard stall tactic
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65202
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Still working on this while closing 3 others today with the same issue. This fraudulent company is a predatory company that needs to be held accountable AGAIN, GIVE BACK Y CREDIT HISTORY
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65202
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: On XX/XX/ I sent a letter regarding inaccurate and unknown things on my credit report. Over XXXX days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted expeditiously. If the accounts are not deleted immediately, I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Company Response:
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: In progress
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15USC 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 Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 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 ', let 's 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. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports 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 For 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: TX
Zip: 77081
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft please remove this fraud inquiry from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66062
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Recently, I XXXX XXXX did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that Experian didnt make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate. XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10009
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Experian continues to report an account on my credit report that is over seven years old. It should be removed after seven years. XXXX XXXX account for {$3000.00} has been reporting over seven years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 237XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: **RE : IDENTITY THEFT COMPLAINT - OPT-OUT VIOLATION AND UNAUTHORIZED FURNISHING** |XXXX XXXX Account number XXXX XXXXXXXX XXXX " Account Number XXXX '' XXXX XXXXXXXX XXXX CONSUMER REPORT DISPUTES Account Number XXXX XXXX XXXX XXXX Dear XXXX, XXXX, and Experian, I am writing to file a formal complaint against your agencies for violations related to identity theft and non-compliance with the Fair Credit Reporting Act ( FCRA ) in connection with accounts furnished by XXXX XXXX and XXXX. XXXX XXXX : ** XXXX. **Opt-Out Notice : ** On XX/XX/2023, I submitted an Opt-Out letters to XXXX XXXX and XXXX, clearly rescinding all verbal and non-verbal written consent to furnish my consumer information on my credit report. These notices were in accordance with the provisions of 15 U.S. Code 6802. 2. **Identity Theft : ** XXXX XXXX and XXXX XXXX despite receiving my legal notice, willfully ignored my instructions and proceeded to sell the account to XXXXXXXX XXXX and XXXX for collections. This action constitutes identity theft under 15 U.S. Code 1681, as they continued to furnish information without permissible purpose. 3. **Failure to Block Information : ** XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and Experian violated 15 U.S. Code 1681c2 by failing to block the reporting of information that resulted from the alleged identity theft, within the stipulated time frame. **Legal Violations : ** 1. **15 U.S. Code 6802 - Obligations with respect to disclosures of personal information : ** - XXXX XXXX and XXXX failed to comply with my Opt-Out notice, resulting in unauthorized furnishing of my information. 2. **15 U.S. Code 1681 - Identity Theft : ** - XXXX XXXX and XXXX engaged in identity theft by willfully ignoring my legal notice and selling the account for collections. 3. **15 U.S. Code 1681c2 - Block of information resulting from identity theft : ** - XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and Experian failed to block information identified as resulting from alleged identity theft within the mandated time frame. **Requested Actions : ** 1. **Immediate Removal : ** I request the immediate removal of the accounts related to the identity theft from my credit reports by XXXX XXXX XXXX XXXX and Experian. 2. **Investigation : ** I urge your agencies to conduct a thorough investigation into the actions of XXXX XXXX and XXXX XXXX and your respective roles to determine the extent of identity theft and FCRA violations. 3. **Penalties : ** If the investigation confirms identity theft and FCRA violations, I request the imposition of appropriate penalties against XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and Experian to ensure accountability and deter similar actions in the future. 4. **Compensatory Damages : ** In lieu of immediate removal, I request compensatory damages of {$1000.00} for every day that the account has been on my credit report, as allowed by law. I have attached supporting documentation, including the Opt-Out notice, evidence of XXXX XXXX and XXXX 's non-compliance, and communications related to the sale of the account. I appreciate your prompt attention to this matter and look forward to a resolution that upholds consumer rights and holds the responsible entities accountable. Sincerely, XXXX XXXX Enclosures : FTC IDENTITY THEFT REPORT PROOF OF ID NOTICES OF XX/XX/XXXX OPT-OUT LETTERS NOTICE TO FURNISHERS OF INFORMATION UNDER THE FCRA
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80012
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75149
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A