Date Received: 2024-01-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Company has refused to comply with federal law and consumer laws violating my rights as a consumer. The company has violated my privacy rights under The Privacy Act of 1974. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). Congress advises any of my private information is not for public. The reporting agency is a non governmental entity, meaning Eye must give you consent to report the account to my consumer report. According to 15 U.S. code 6801, 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,15 U. S. code 6802 follows by adding that, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a nonaffiliated third-party, therefore they do not have permission to report to my consumer report. There is no contractual agreements of obligation to these debt collection agencies for any amount. 15 U.S. code 6802 ( 1 ) also follows to insure the security and confidentiality of customer records and informationXXXX XXXX XXXX XXXX was provided information illegally from XXXX XXXX, which according to XXXX and their privacy policy advises XXXX XXXX will not disclose my information to third parties and other inquirers without my consent. I have never given XXXX XXXX consent to disclose my information with XXXX XXXX XXXX XXXX XXXX XXXX XXXX illegally disclosed my non-public information to XXXX XXXX XXXX XXXX and have illegally reported this account to my consumer report for 4 years, 5 months and has consistently refused to remove this account from my consumer report knowing they have violated federal law and my consumer rights and rights of privacy, also violating there banking terms and conditions and privacy policy. XXXX XXXX XXXX has disclosed my non-public information to XXXX XXXX XXXX ( a third-party ) and has also violated my rights of privacy. All of the listed XXXX Agencies are all non-affiliated ( third-parties ). According to XXXX, A third party is a person or entity that has no contractual relationship with XXXX XXXX to perform services or act on behalf of XXXX. According to, 15 U.S. code 6802b, there must be 3 disclosures first before any of my information can be exchanged regarding an account and Eye must first agree to having the information of the reported account disclosed to the public. Eye have not agreed to having this account disclosed to none of the Companies provided within this report. Therefore XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX must be removed from my Consumer report and XXXX, XXXX and Experian a non-affiliated, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX must delete the collection accounts from my consumer report. The collection account with, XXXX XXXX XXXX has been disputed on both, XXXXXX/XX/XXXX through a CFPB complaint, XXXX XXXX XXXX through XXXX. All reporting agencies XXXX, XXXX and Experian has continued in their efforts to disregard my consumer rights, violating federal law andmy privacy rights under The privacy Act of 1974. It is imperative that this matter is resolved immediately and the Collection accounts are removed from my consumer report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48091
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: I wish to bring to your attention that, as outlined in my complaint dated XX/XX/XXXX, I have noted the non-compliance with the law ( FCRA 605b ) regarding the removal of fraudulent entries associated with FTC fraud reports # XXXX, XXXX, and XXXX. In my previous communication, I explicitly conveyed that the failure to remove these specified items, inaccurately reported due to identity theft, would compel me to involve legal representation for appropriate action. It is my sincere intention to avoid legal proceedings, and I emphasize the importance of adherence to the law. In this subsequent complaint, I have once again attached my latest FTC reports for reference : # XXXX, XXXX, and XXXX. I reiterate my request for the immediate removal of the fraudulent items, which were opened without my consent or knowledge. -- -- -- -- -- -- -EXPERIAN : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1000.00} -- -- -- -- -- -- -XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89141
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: TX
Zip: 76132
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: Credit Bureau report publication without any consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I hope this letter finds you well. I am writing to bring to your attention a serious matter regarding inaccurate information on my credit report, specifically related to an alleged insurance policy with XXXX listed by Experian. Despite numerous attempts to resolve this issue with Experian, I am still being wrongly associated with an insurance policy that I never requested nor signed a contract for. Not only did I not own a personal vehicle during the stated period, but I had a company car, and there has been no lapse in my insurance coverage. Experian has validated this information without providing any proof, and it is adversely affecting my credit score. The involvement of XXXX XXXX, who has not responded to my inquiries or provided evidence of the alleged debt, adds further complexity to this situation. There is no possible way XXXX XXXX would have fronted me an insurance policy for an entire year and then turn me into a collection agency. On top of that, the stated vehicle listed they responded with, was sold the prior year. I firmly believe that such inaccuracies should not be allowed to tarnish my credit history without proper verification. I am reaching out to you for assistance in resolving this matter promptly. I have exhausted all avenues with Experian, and aside from considering legal action, Merely sending me a letter with a vehicle name and Experian just saying verified, proves nothing. I am seeking your intervention to rectify this issue and have the erroneous entry removed from my credit report. Your attention to this matter is greatly appreciated, and I look forward to a swift resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34120
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: TX
Zip: 75061
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 noticed some fraudulent inquiries on my credit report that I did not authorize. Please remove it immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30034
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: Account status incorrect
Consumer Complaint: I questioned there method of verification and they said they dont have to conduct an investigation
Company Response:
State: CA
Zip: 91762
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: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure 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. '' By obtaining a copy of my consumer report, there are multiple violations appearing and are prohibited by the laws that protect consumers rights listed below. Because of XXXX, XXXX, and Experian lack of willfulness, Being able to obtain credit has caused extreme damages as I have been violated in many ways. I have attached my dispute letters previously sent to each credit reporting agency showing each and every violation that is pinned against my report. 15 USC 1681b Permissible purpose of consumer reports 1. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 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 antedates the report by more than seven years. No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports 12 CFR 1016.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15. Privacy Act of XXXX ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Again they need prior written instruction of the individual to whom it relates. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of XXXX ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75034
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 strongly desire not to have this on my credit report. It is not belong to me. It is fraud!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28376
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A