Date Received: 2024-01-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I've started sending out letters to XXXX, Experian, and XXXX to review inaccurate information on my credit file since XX/XX/. I've went to simply asking to verify the account, to intending to file a complaint. I've just about had it and I need these items to be investigated immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90044
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: I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The EXPERIAN credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX XXXX Balance : {$0.00}
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: 2024-01-19
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: Per the FCRA as a federally protected consumer, I am revoking & opting out of any and all authorization, I the consumer may have given XXXX, XXXX, & Experian, written, verbal, & nonverbal for reporting on the XXXX XXXX Account ending in XXXX per 15 USC 6802. " According to the Fair Credit Reporting Act 15 USC 1681 section 602, it states : 'There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ' XXXX, XXXX and Experian are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801, which states : 'It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604, section 2 states that 'In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and Experian do not have my consent to furnish this information, and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked regarding the XXXX XXXX account ending in XXXX. 15 USC 6802 ( b ) ( c ) states that 'A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. ' ( Furnisher of information to credit agencies ) XXXX, XXXX, & Experian NEVER informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states : 'Except as authorized under subsection ( b ), 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 antedate the report by more than seven years. ' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states : '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. 15 U.S. Code 1681e states : 'Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. ' XXXX, XXXX and Experian are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that 'A consumer may exercise the right to opt-out at any time. ' I am opting out of your reporting services on the XXXX XXXX account ending in XXXX. In addition, the XXXX XXXX account ending in XXXX is designated a charge off account. Per 26 U.S. Code 108 Charge off accounts are a certificate of indebtedness and therefore considered income & income can not be reported on your credit report and must be immediately removed from the report supported by IRS Publication 4681. Any authorization verbal nonverbal written non written I am now rescinding the authorization on Reporting the XXXX XXXX account ending in XXXX via 15 USC 6802 & 16 CFR 313.7 & whatever authorization XXXX, Experian, & XXXX thought they had regarding the XXXX XXXX account ending in XXXX no longer has and that is effective immediately and indefinitely. The XXXXXXXX XXXX account ending in XXXX is to be removed from my Credit Report effective immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 023XX
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Complaint against XXXX with CFPB. Complaint needs to reflect this position.. Im filing a complaint against Experian information services. Ive followed all the laws/regulations set forth in the FCRA. I was a victim of identity theft. I have filed a police report with a federal agency ( per the FTC identity theft report record attached ). I have disputed the accounts with the banks ( who have already removed them from the other XXXX credit reporting agencies ( CRA ) ). Ive submitted a dispute to Experian directly and they continue to send me these boiler plate responses. They claim theyve determine that none of the facts listed are valid. I dont understand who has reviewed this complaint or how theyve determined its invalid. Im at wits end because they are the ONLY CRA which has not removed the accounts listed below nor have they done their due diligence with truly investigation my dispute. Please see this matter is handled as I dont want to have to seek a legal outcome 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: CA
Zip: 90277
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I hope this letter finds you well. I am writing to bring to your attention an issue that has been causing me significant distress and adversely affecting my well-being. It pertains to the late payments recorded on my account. I have recently noticed that there have been inaccuracies in the reporting of my payment history. It is my understanding that timely payments are crucial for maintaining a positive credit profile, and any discrepancies can have serious consequences on one 's financial well-being. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Upon reviewing my records, I have identified instances where payments were made promptly but were not reflected accurately in the account statements. This has led to a misunderstanding of my creditworthiness and has caused unnecessary stress and XXXX. I kindly request your prompt attention to this matter and urge you to investigate and correct the inaccuracies in the payment history on my account. I understand that errors can occur, and I believe this issue can be resolved amicably. I am confident that, once rectified, this situation will alleviate the distress I have been experiencing. Additionally, it will ensure that my credit report accurately reflects my responsible financial behavior. Thank you for your understanding and cooperation. I look forward to a swift resolution to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91335
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: Experian is reporting that the ( XXXX XXXX XXXX ) account status as Late ; however, according to XXXX and XXXX XXXX monitoring services report, I have no late payment or no collection on the ( XXXX XXXX XXXX ) therefore it's an inaccuracy. This is violation of 15 U.S. Code 1681e - Compliance procedures reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. Delete the collections/ charge-off off account ( XXXX XXXX XXXX ) from the consumer report. Please see the attached supporting documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33029
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: Hello I am authorizing this complaint on my own behalf. I am extremely upset with Experian. They have not provided any an information or attempted to investigate my dispute. I demand that this item be removed from my consumer report or I am going to take legal action regarding this grievance. This inaccurate information being reported on my consumer report is preventing me from being able to purchase a home. I want this item related to XXXX. XXXX, XXXX account - XXXX removed from my consumer report immediately. Ive never done any business with this company. This extremely upsetting and stressful that the are not complying with my request and I want this removed immediately. I cant believe you guys are letting them do this and cause this kind of stress to people.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77077
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: 15 USC 1681b : ( a ) In general : Consumer reporting agencies may furnish consumer reports under the following circumstances : In response to a court order or federal grand jury subpoena. In accordance with the written instructions of the consumer to whom it relates. To a person that the agency has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer. To a person that the agency has reason to believe intends to use the information for employment purposes. In connection with the underwriting of insurance involving the consumer. In connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status. For a legitimate business need in connection with a business transaction that is initiated by the consumer. To review an account to determine whether the consumer continues to meet the terms of the account. To determine a consumer 's eligibility for a pre-screened offer of credit. Practical Implications : Permissible Purposes : Consumer reports can be obtained and used only for specific and permissible purposes as outlined in the statute. Written Consent : Consumer reporting agencies can provide a consumer report if they have the written instructions or consent of the consumer. Credit Transactions : Information may be furnished to persons involved in credit transactions, including the extension of credit, review, or collection of an account. Employment Purposes : Consumer reports may be used for employment purposes, such as in the hiring process, with the consent of the consumer. Insurance Underwriting : Information may be used in connection with the underwriting of insurance involving the consumer. Governmental Benefits : Consumer reports may be used to determine eligibility for licenses or other benefits granted by a governmental instrumentality. Legitimate Business Need : Reports can be obtained for a legitimate business need in connection with a business transaction initiated by the consumer. Account Review : Consumer reports may be used to review an account to determine if the consumer continues to meet the terms of the account. Pre-Screened Offers : Reports can be accessed to determine a consumer 's eligibility for pre-screened offers of credit. It's important for businesses and entities that request consumer reports to ensure they have a permissible purpose under the FCRA and comply with the law 's requirements. Consumers also have rights under the FCRA, including the right to know who has accessed their credit report and for what purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96816
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: On XX/XX/2023, I informed Experian by mail that there was incorrect and/or outdated information reporting on my credit file. I've asked Experian to correct this information. Experian has only partially corrected the problems. I am asking Experian to thoroughly read my documents and remove the incorrect information I have listed. I am currently disputing items on my credit report. There is no third party acting on my behalf. I have attached the proper identification to verify my identity. Experian has accused me of using a 3 party to act as myself. This is a lie and a known stall tactic being used by Experian. There is no other person or any credit company acting on my behalf. Attached are my proof of documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91606
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 am trying to buy a house and these things are delaying my home buying process. I have been a victim of aggravated identity theft. I need these items removed asap. Each creditor should have form SSA-89 signed by the consumer whenever credit is requested that way they have proof it was mailed and received by the said consumer and that way each person knows if/ and when fraud has or hasn't been committed. That form was requested by me to the creditor and they have yet to send that. It's been over 30 days since requested and over the timeframe. If they can't provide it they need to respectfully remove these items. XXXX what this form entails. I understand my consumer rights and how to proceed. I will contact the XXXX, and state attorney general to let them know such things are happening and not being honored if this isn't handled asap. Do not send a bill as a bill doesn't provide sufficient proof the said has applied for anything. Thank you for your prompt assistance Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A