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: I XXXX XXXX, have contacted XXXX XXXX XXXX XXXX online and via certified mail between XX/XX/XXXX and XX/XX/XXXX. I've requested account validation of the collection account XXXX that has appeared on my most recent credit reports. XXXX XXXX XXXX XXXXXXXX has failed to provide me with any form of account validation that I have requested in my certified letter to them. I spoke with XXXX XXXX ( original creditor ) on XXXX XXXX XXXX Per my request, XXXX XXXX was able to immediately verify my current account information in their system and also confirm that my account has not been sent to a collection agency- nor should it be reporting as a collection account with XXXX XXXXXXXX XXXX XXXXXXXX XXXX anyone else. Finally, I requested that XXXX provide me with an email letter confirmation of my current account XXXX. I've attached the proof of the letters XXXX XXXX has provided me with below.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
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: Hello I am authorizing this complaint on my behalf .Cant believe you guys are taking advantage of me. I am very upset with Experian have not responded back to me about my investigation. I sent a letter to them and its been more than 60 days. I need the accounts deleted or updated .These are the items I am demanding to be deleted immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30134
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: Personal information incorrect
Consumer Complaint: This is my fourth time writing you to update my person information. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impart and a respect for the consumer 's right to privacy. I demand a deletion of all personal identifiable information from my consumer report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or a correspondence nor do I have access to any of these addresses, please delete these outdated addresses 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 and update the addresses with the one above. My only phone number is XXXX Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the Fair Credit Reporting Act 15 USC 1681 ( a ) I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send and updated credit report once the changes are complete to my contact information listed. My contact information is as follows : Name : XXXX XXXX Address : 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: 30281
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: PLEASE REMOVE ALL FRAUDULENT CHARGES THAT ARE A REPRESENTATION OF IDENTITY THEFT FROM MY CREDIT REPORT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33325
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: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Experian has removed the XXXX XXXX account from my credit report and as a result in removing an account is admissible evidence that Experian broke the law so this is A INVOICE FOR VIOLATING THAT LAW A MINIMUM XXXX $ thank you. You have 90 days to make the payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30127
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: never informed me of my rights to exercise my nondisclosure option 15 USC 6802, also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
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: I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 328XX
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: Per the Fair Credit Reporting Act, the listed accounts should not be furnished on my consumer report as they are in violation of 15 US code 1681-B in general subject to subsection C, which states ; Any consumer reporting agency may furnish a consumer report under the following circumstances and no other, by the written instruction of the consumer to whom it relates. These listed companies never received my written instructions to report anything on my consumer report which now violates my rights as a federally protected consumer. Lastly, 15 USC 1681-4 also states reporting agencies have assumed A vital role in assembling and reevaluating consumer credit and other information on consumers. Therefore, there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness impartiality, and respect for consumers ' rights to privacy. I'm demanding the removal of these listed accounts. ADDITIONAL UNAUTHORIZED INQUIRIES : 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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19133
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: I am filing a formal complaint against the three major credit bureausXXXX Experian, and XXXXregarding a significant issue with XXXXXXXX XXXX XXXX auto-pay system, which has adversely affected my credit report. The incident in question involves a system error with XXXXXXXX XXXX XXXX auto-pay, resulting in a missed payment, and the credit bureaus ' failure to accurately reflect this situation on my credit report. On XX/XX/2024, I discovered that XXXXXXXX XXXX XXXX auto-pay system failed to process my payment, leading to an unintentional missed payment. What compounds the issue is that I did not receive any notification from XXXXXXXX XXXX alerting me to the auto-pay failure. Consequently, the missed payment has had a negative impact 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: 19124
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A