Date Received: 2024-01-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX Dear Experian, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX Amount : {$6200.00} Account Number : XXXX Party Owed : XXXXXXXX XXXX Amount : {$500.00} Account Number : XXXX Party Owed : XXXX Amount : {$2000.00} Account Number : XXXX I am disputing this claim due to. I received a copy of my credit report and I have found the following items listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I NEVER gave You, Experian, any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1661 b. The Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. You, Experian, should be ashamed of yourself for ASSUMING this role and position to constantly conunit fraud and cause harm to consumers. This is the official request to have the aforementioned item to be deleted off a credit report. Enclosed may be additional evidence to support my claim Sincerely, By XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had Three late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/2023 ) and ( XX/XX/2023 ) ( XX/XX/2023 ) Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
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 some of these accounts were already being removed from XXXX and XXXX on XX/XX/XXXX & XX/XX/XXXX of XXXX, I still keep seeing these under other credit bureaus ' record. This made me questioned their accuracy because first of all, they should only be referring these information from one furnisher of information, but why do they have different resolution? No verification procedures were also shown to me. Therefore, I needed them to please remove these incorrect and misleading accounts from my credit history to avoid affecting my scores.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76708
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX is reporting transaction history on my credit report and according to the Master Promissory Note they will not report transaction history. This is also a violation of my privacy under the Family and Privacy Act of 1974. You can not report without my consent. The Privacy Act protects individuals in three primary ways. It provides individuals with the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely, or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53217
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On or about XXXX/XXXX/23, I was sent an email by XXXX XXXX XXXX requiring me to have a waiver by obtaining a public notary for income information which included three months of a bank statement along with a waiver for me for some undisclosed IRS documents. I informed the rep at that time that I had no intent with complying with that request because it is my belief that it is unconstitutional that a private credit card company could make me do something that the IRS does not require. On or about XXXX/XXXX/23, I called XXXX and I talked to XXXX. I asked XXXX why was I picked out for an income verification. XXXX could not explain why, and I asked to speak to a supervisor. XXXX, who identified herself as supervisor, come to the phone, and said the exact opposite of what XXXX has stated. XXXX stated emphatically that this was not an income verification, but rather an identity verification. I told her " I was not required by law to file a income tax statement that the Internal Revenue Service did not require me to file. '' In fact, the Social Security Administration says that I can use the figure they assign for all types of loans. I told her I was willing to provide this federal documentation. That I have a valid US passport, a valid Illinois driver 's license, and a valid Illinois state ID, and I would gladly provide that information if she would provide me a reasonable way to provide this. On or about XXXX/XXXX/23, I was told that this issue would be resolved. I was given specific dates. I was suppose to get a call XX/XX/23 before XXXX XXXX. I was supposed to receive a call on XX/XX/23 before XXXX XXXX as well. I did not get a call. I talked to a XXXX XXXX, and I let him know that we were coming up on XXXX/XXXX/23, and I wasn't going to comply with signing an IRS document, getting a notary affidavit, or providing three months of notarized bank statements. I wanted to know what the internal process was of being to resolve this issue since it has been from XXXX to XX/XX/XXXX to resolve it. I informed XXXX XXXX that I think this is discriminatory and arbitrary, and had no reasonable system for the consumer to resolve the issue with the credit card company. Moreover, if the problem was truly identity verification why were there no procedures in place for the consumer either by email, snail mail, or fax to provide the requisite identity information. I think this is an attempt by XXXX XXXX and XXXX to either purge/interfere/or manipulate the customer 's of a rival, in this case Experian.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This letter is a formal complaint that XXXX, EXPERIAN AND XXXX are reporting inaccurate credit information in my credit report. Date of last activies, date report and high balances are different in all tree credit bereaus. Anything in my credit report have to be 100 % complete and accurate and those dates are inacurate in all three credit beraeus. Alleged Creditor : XXXX XXXX XXXXXXXX Alleged Creditor : XXXX XXXX XXXX XXXX XXXX Alleged Creditor : XXXX XXXX XXXX This is a violation of the FCRA and I respectfully request that they remove this listing immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: 00646
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. These companies have refused to do work on disputes even though they're required by the law to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: For the 4th time today I was notified about disputes available on line but yet again there not and I got HUNG UP ON AGAIN
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: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am filing a formal complaint against XXXX XXXX XXXX for egregious violations of the Fair Credit Reporting Act ( FCRA ), Code of Federal Regulations ( CFR ), and the Privacy Act of XX/XX/1974. These violations pertain to the unauthorized disclosure of my nonpublic personal information to non-affiliated third parties without proper notice or consent, a clear breach of privacy regulations outlined in the aforementioned laws. Congressional Findings and Compliance Obligations : 15 U.S. Code 1681 emphasizes the critical importance of fair and accurate credit reporting for the efficiency of the banking system. It mandates fair evaluation of consumer information by reporting agencies and stresses the significance of consumer privacy protection. Consumer reporting agencies are legally obligated under 15 U.S. Code 1681e to implement procedures ensuring the highest accuracy of consumer reports. XXXX XXXX XXXX disclosure of inaccurate information violates these obligations and breaches statutory provisions. Details of Violations : 1. **Disclosure of Nonpublic Personal Information : ** XXXX XXXX XXXX without obtaining requisite consent or providing proper notice, disclosed my personal information to non-affiliated third parties namely EXPERIAN . This action directly violates the Privacy Act of 1974 ( 5 U.S. Code 552a ) and the FCRA ( 15 U.S. Code 6802 ). 2. **Failure to Provide Opt-Out Opportunity : ** I was not offered the opportunity to opt out of the disclosure of my nonpublic personal information, as mandated by the FCRA 15 U.S. Code 6802 ( b ), exacerbating the violation. 3. **Continued Right to Opt Out : ** As per 16 CFR 313.7 ( f ), I reserve the right to opt out at any time, a privilege denied to me by XXXX XXXX XXXX actions. 4. **Exclusion of Transaction and Experience Information : ** XXXX XXXX XXXX included transaction history within reported information, violating the exclusionary provision of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The unauthorized disclosure of my personal information by XXXX XXXX XXXX has caused significant financial and emotional distress, disrupting my life. Enclosed are supporting documents detailing the violations and their impact on my financial and emotional well-being. I appreciate your attention to this matter and await your prompt action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18974
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A