Date Received: 2024-03-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: There are over XXXX inquires on my name that I did not approve Someone opened a credit card through XXXX XXXX in 2023 that all your great Credit Bureaus. Great protection that many inquires on my name allowed my credit score to drop out. Its probably all your XXXX allowed to access our accounts I cant get credit because your so called system of security is a joke when the XXXX get to get credit in my name with XXXXXXXX XXXX I just found out so Thank you for not protecting my name and the account was being paid for because of this last identity theft. Thanks again for not helping. Thank you for destroying Americans names
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: 2024-03-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX agreed to remove the late payments from a complaint I submitted through the consumer, financial protection bureau and they never did. I disputed the information after the alotted time passed and XXXX did not remove the late payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48504
Submitted Via: Web
Date Sent: 2024-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-01
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Experian digital checking account My debit card for my Experian account got hacked so we canceled the card requested a new card and I changed my phone number and email address for XXXX XXXX After trying to change the information on the Mobile app, which will not let you change both obviously because of security reasons I contacted experience department they said they would take care of it and it would take a couple days After four days, it had not been changed. I called back and I was told the person filled out the paperwork wrong, and the young lady supposedly corrected it and resubmitted. The paperwork said it would take a couple days again after four days it still had not been changed then I was informed that I needed to Fax my drivers license my Social Security card, a current bill and a copy of consumer cellular which I included login and password so they could verify the number is mine and the email is mine. It has been eight phone calls since then still nothing has been done. I have no access to my account I have no way of paying my rent. I have no way of getting gas or groceries and I keep getting the runaround every time someone tries to help they keep saying the person before them did the paperwork wrong when I do get someone that sounds like they know what theyre talking about. They put me on hold, and then the phone disconnects me and goes to the survey of my service. They say they have no supervisor they can transfer me to they keep telling me theyre unable to change it themselves and my frustration is extreme at this point that they have no way, or wont give me extensions or names of people that could help or the person that Im talking to just like theyre hiding from the issue. One person just laid the phone down as I was trying to explain to them what was happening I gave them my last two deposits, dates and amounts. I asked them to just transfer the money back to my checking account, but all I get is excuses why they cant do that I did finally get a new debit card which will allow me to buy little stuff but I have no access to cash. They obviously wont give me a pin number which is ridiculous to withdraw cash. My rent is due today, after Monday they will be a {$75.00} charge late charge XXXX dollars a day until I get them paid Im already late on three bills which will affect my credit rating and I dont know what to do with this point they are holding my money hostage. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 477XX
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-02
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My complaint is with Experian. I just simply wanted to freeze/unfreeze my credit online. Basically, within their website, they duped me into opening a checking account while in the process of just checking and unfreezing my credit. I am a very computer savvy person and pay close attention, but somehow this account was made without my knowledge. A month later, after getting dozens of spam emails from them marketing their account services, etc. I go to their website to cancel this account that I did not want. Of course, this process can not be done online ( but ironically opening the account was so simple I didn't even notice it ). They direct you to a phone number to complete the closure of the account. Needless to say, an hour later, 8-9 different reps and at least 4 dropped calls they FINALLY got me to the person to close this account. Not only that, but this person was prompted to try to sell me some other service from Experian while this process was going on. This was about the most incompetent and shady dealing I have ever had with any company in my adult life, yet they are one of the " Big Three '' credit reporting agencies. It's almost unbelievable. Not only that, but they would send dozens of emails a week about their " services '' and other nonsense that I had no interest in. XXXX and XXXX did nothing even remotely similar- And I froze and unfroze my credit with all 3. I am highly dissatisfied with my experience with Experian and think they should be embarrassed for their unbecoming and pushy behavior.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 453XX
Submitted Via: Web
Date Sent: 2024-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Upon reviewing my latest credit report, I noticed that the specific credit inquiries your agency has recorded, which I have previously identified and reported as unauthorized, still demand immediate attention. I have already reached out to the below-mentioned entities, requesting the removal of these inquiries from their records and verification of their deletion from all credit reporting agencies. Although they have promised to address these issues, I am contacting you once more to ensure these inquiries are promptly resolved. Included with this communication is my updated FTC report, with reference # XXXX. EXPERIAN : XXXX XXXX XX/XX/XXXX -- -- -- -- -XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I kindly request the immediate removal of these inquiries to avoid any negative impact on my upcoming mortgage application. It is crucial for my credit score to accurately reflect my financial responsibility. I would appreciate a detailed report on the actions taken to remove these inquiries within the next 30 days. Your swift resolution of this issue will be greatly appreciated. Thank you for your immediate attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08046
Submitted Via: Web
Date Sent: 2024-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76179
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: These transactions were not made by me. I did not give written consent for those companies to furnish this information on my consumer report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27406
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I need to pause my fraud alert for my credit to GET Electricity. However experians website doesnt work and tells you to call a number. The number doesnt allow you to connect to a person and tells you to do this online. Circular and non helpful and frustrating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92107
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been 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. 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 understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be 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 financial 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. We must 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. Summary of Accounts being challenged in list form XXXXXXXX XXXX XXXX - Account XXXX My parent has the same name as me. XXXX XXXX XXXX - Account Number:XXXX I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payment XXXX XXXX - Account XXXX I don't recall having late payments on this account XXXX XXXX - Account XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 975XX
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unauthorized inquires by 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: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2024-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A