Date Received: 2024-01-12
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94602
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My name is XXXX XXXX, and this statement is being composed by me. In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed on this report should not be furnished on my reports. FCRA Section 604F prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report and is obtained for a purpose for which the consumer report is authorized to be furnished under FCRA. FCRA Section 1681S-2 also states, that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or is consciously avoids knowing the information is accurate. Lastly, 15 USC 1681-4 consumer reporting agencies have assumed a vital role in assembling a reevaluating consumer credit. There is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumer 's right to privacy along with accuracy. The following are unauthorized inquiries ; XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08234
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
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've submitted disputes regarding XXXX XXXX XXXX reporting 30 day past due and late on my credit reports and a member of XXXX called to confirm there was a mistake on their end and that the adverse reporting would be fixed, however, upon checking my credit on XXXX XXXX and Experian, I am seeing only 1 bureau has updated my payment rating and removed the late payment and that all bureaus have not raised my scores to its respective states before this adverse action was mistakenly taken by XXXX XXXX XXXX. In the month of XX/XX/XXXX I sent a Billing Error Notice to XXXX XXXX XXXX : Under Regulation Z 1026.13 Billing error resolution. ( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : Official interpretation of 13 ( d ) Rules Pending Resolution ( XXXX ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date Hence, the payment was withheld until my issue was resolved, the issue has still not been resolved but I opted to pay the full balance and yet it was still reported that I was past due. When I attempted to re-dispute this information with the bureaus, I am only seeing that the dispute was complete but no significant raise to my credit score has been provided and no removal of the past due status in the month of XXXX has been removed. This is a direct violation of my consumer rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I've attached documents for your reference. I urge the bureau to start an investigation into these accounts, as I am never late, despite the inaccurate reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60431
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I am contesting the inclusion of this bankruptcy on my credit report because the filed and reported dates, along with the closing dates, are not in alignment. This is deeply concerning since I have a court letter clearly stating that this bankruptcy should not be reported to you. Additionally, the involvement of an unauthorized third party further complicates the situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60431
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I'm disputing the following information on the three credit reporting agencies. I was the victim of identity theft and the following account and inquiries are listed without my knowledge, consent or authority. Please see that XXXX XXXX is removed from my credit reports along with ANY inquiries related to XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX I'm submitting this with my FTC report which is a legal representation of the facts. I need this matter handled ASAP as it's impacting my ability to do a loan and is causing me a ton of emotional, physical and XXXX health issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I discovered identity theft on my credit report ; Experian, XXXX, and XXXX shared my info without consent, violating 15 U.S.C. 1681. The Fair Credit Reporting Act ( FCRA ) protects consumer rights, breached in my case. I kindly ask that you urgently remove inaccuracies per Section 612 in 15 U.S. Code 1681 and send a no-cost updated report to my address. I have included my identity theft report ( which details each listing in dispute ), my social security card, IDs ( drivers license and passport ), and statement- as requested to prove my identity to validate my claims and requests. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46254
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I urge you to review the attached documents. I request the bureau to commence an investigation into these accounts, as I have never been late with payments, yet they are inaccurately reported as such.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91730
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a collection account listed on my XXXX credit report listed as XXXX XXXX Account # XXXX for the amount of {$2200.00}. An a collection account in my Experian credit report listed as XXXX XXXX XXXX Account # XXXX for the amount of {$2200.00}. I am requesting validation of this debt from this collection company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-13
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: AZ
Zip: 85730
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A