Date Received: 2024-01-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I hope this letter finds you well. I am writing to bring to your attention a matter concerning my credit account with your institution. After reviewing my recent credit report, I noticed that there have been recorded instances of late payments on my account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to emphasize that these late payments were not due to negligence but rather a temporary challenge that I have since overcome. I kindly request your assistance in removing the late payment entries from my credit report. I believe that this adjustment would more accurately reflect my creditworthiness and commitment to meeting my financial obligations. I appreciate your consideration of my request. If needed, I am willing to provide any supporting documentation to validate the circumstances that led to the late payments. I kindly request that you investigate this matter and, if appropriate, take the necessary steps to have the late payment entries removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 122XX
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: Please remove these inaccurate inquiries from my credit report Account name : XXXX XXXX XXXX : ( XXXX ) Receivable Recovery : ( Medical ) LA XXXX XXXX Delinquent Recovery : XXXX XXXX of Water Sewage In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681B. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : 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. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77056
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: Information belongs to someone else
Consumer Complaint: This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$410.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7800.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX Balance : {$0.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
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: On XX/XX/ I was reviewing my consumer report when I came across some accounts that were incomplete and not accurate. I sent dispute letters to XXXX credit bureau as well as EXPERIAN credit bureau, I then requested that they look into this inaccurate information that was being reported, for completeness and accuracy. I then received answers form both EXPERIAN and XXXX credit bureaus and noting was done about this matter. According to 15 USC 1681 e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to. According to 15 USC 1681 i ( 5 ) states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agencies shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the investigation. Enclosed is a list of accounts that are not reporting accurately. XXXX XXXX Bankruptcy account no : XXXX, Furthermore I am enclosing a letter from the creditor of this account which states that the Bankruptcy court does not report or transmit bankruptcy court records or any other information directly to credit reporting agencies, also Account XXXX money account no : XXXX XXXX Please delete these accounts immediately because of violation of 15 USC1681s 2 ( a ) & ( b ), 15 USC 1681 i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC1681e ( b )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33015
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hello I am XXXX XXXX XXXX. Last XXXX : SS # XXXX Issuing probably my XXXX consumer complaint that is in reference to all 3 National Credit Bureaus. Re : VIOLATIONS OF THE UNFAIR CREDIT ACT. I am lodging a formal complaint towards all ( 3 ) three NATIONAL credit bureaus. My Credit Issues applies to all above. CPA does not have a button to select all such as : Incorrect information on your report ( account or personal information incorrect, information not mine ). Credit monitoring or identity theft protection services. Unable to get your credit report or credit score! Credit inquiries on your report that you don't recognize! OMG, WOW... .can anyone please explain to me how in the world I can visit 85 car lots on one credit report 61 car lots on another credit report 38 car lots on another report. Just look at all these crazy # # # AUTO INQUIRIES on my national credit reports! Seriously These inquiries listings are absurd!! I demand immediately all of these UNKNOWN AUTO inquiries except the auto dealerships highlighted in my attachments I attended that are in person be removed ASAP from ALL 3 of my NATIONAL credit reports! There's ABSOLUTELY no way I can go to all of these car lots. All these inquiries are killing my credit reports and I don't deserve this! No consumer deserves this kind of credit inquiry abuse. This is totally unreal Over 100 inquires? Really??? CPA, I have enough goings on with my credit reports. I need NO HELP suffering on my credit reports as you can witness and see can we please get these inquiries off of my credit report. I have screenshotted each report and sent it over to the Federal Trade commission. I have also contacted United States XXXX House to ask them to speak to whoever is in charge of the to get this kind of madness stopped. Honestly, its a XXXX shame when you go to one ( 1 ) And I mean exactly 1 dealership car lot to apply for Automobile credit its so sad the dealerships you go to ABSOLUTLEY for no reasons whatsoever run MASS credit reports all over the XXXX world trying to get you financed that XXXX needs to stop too and that's how I ended up with all those MASSIVE Inquires. There are companies Ive never even heard of that has sent me letter turning me down when infact I have never XXXX XXXX even applied. Furious right now completely furious! This is unacceptable! Nobody in the right mind can get to these many car lots. NOBODY! This kind of bad inquiry UNFAIR credit Act should indeed be seriously against the law. OMG you mean to tell me thatif you show up to XXXX car lots to apply for a XXXX auto loan and its perfectly alright for these same XXXX car lots to by FAIR CREDIT ACT can absolutely ruin your credit by sending your credit application out to over a thousand banks, finance companies, credit unions ect, this is ridiculous all those inquiries should be on the car lot not the consumer! PLEASE get these inquiries off of my report there's no way I can be all these places it's crazy and it violates my civil rights and it goes against the Fair credit act enough already. please explain to me why you are sitting back getting XXXX paychecks allowing these three national credit bureaus to ruin consumers lives. If you would look at all three of the credit reports that I am posting you will see I don't need any help screwing my life up as far as credit. with these hard trying times in our country today with that being said, I am asking once again please take a look at all three credit reports Please look and view my XXXX report. I CAN NOT BELIEVE THESE XXXX XXXX IS ALLOWED TO CHARGE US CONSUMERS FOR OUR XXXX CREDIT SCORES? OUR OWN CONSUMER CREDIT SCORES? ARE YOU XXXX XXXX XXXX XXXX XXXX XXXX XXXX KIDDING ME. THIS IS OUR PERSONAL LIFE, WE HAVE NO XXXX IDEA WHAT THE NATIONAL BUREAUS ARE POSTING ABOUT US CONSUMERS AND WE NEED TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX BE PAYING THIS HORRIBLE CREDIT BUREAU TO GET A XXXX CREDIT SCORE WHEN THE CREDIT SCORE BELONGS TO THE XXXX CONSUMER? CAN YOU TELL I AM TOTALLY UPSET ABOUT THIS. THIS IS OUTRIGHT ROBBERY & EXTORTION TO CHARGED A CONSUMER FOR THEIR PERSONAL LIVES? SERIOUSLY AND YOU WONDER WHY I AM TAKING THIS ALL THE WAY TO THE TOP OF OUR HIGHEST OFFICE OF THE USA LAND. THIS CERTAINLY NEEDS TO BE STOPPED. XXXX SHOULD NOT BE CHARGING NO XXXX CONSUMER TO GET A CREDIT SCORE. PERIOD! Please do not allow me to get started on poor unorganized XXXX. Please take a look at all 3 of my credit reports and see how your agencies are allowing massive unfair credit Acts to take place. Not only massive unfair credit Acts keep happening, just review all the confusion. Take a good look at all of the lies and misconceptions that strangers that you people have on payroll is horribly allowed to ruin consumers credit reports? I as a consumer certainly do not need your staffs help at ruining my reports by posting inaccurate info. Please do me a favor and make sure all of your unorganized credit bureaus agencies get on the same page by having the exact same info posted on all three of my national credit reports. THAT IS, YOU PEOPLE JOB, RIGHT?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45014
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: Information belongs to someone else
Consumer Complaint: I am writing to express my profound dissatisfaction and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my account. Despite numerous reports and requests for assistance, the resolution process has proven to be ineffective, and the fraudulent charges persist, causing considerable distress and inconvenience. I discovered unauthorized and fraudulent transactions on my account, prompting me to contact your institution immediately to report the fraudulent activities. Since then, I have diligently followed the necessary procedures for disputing unauthorized charges, providing detailed information, and submitting supporting evidence. Unfortunately, my efforts to rectify this situation have been met with continuous setbacks, leading me to question the efficiency and effectiveness of the resolution process. I wish to bring the following issues to your attention : Despite multiple reports and the provision of supporting documentation, it appears that the investigation into these fraudulent transactions has not yielded the desired results. The lack of progress is concerning, and I am left with unresolved issues on my account. Throughout this process, there has been a significant lack of clear and consistent communication. Timely updates on the status of the investigation and the actions being taken would have provided reassurance during this challenging period. To my dismay, the fraudulent items persist on my account, indicating a failure to adequately address the issue and protect my account from further unauthorized activities. I understand that addressing fraud cases is a complex and challenging task, but as a concerned customer, I expect a higher level of urgency, transparency, and commitment to resolving such issues promptly. I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to investigate and remove the fraudulent items from my account. Additionally, I seek clear assurances and a detailed plan outlining how your institution intends to prevent the recurrence of such incidents in the future. If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XX/XX/XXXX2023 XXXX XXXX XX/XX/XXXX2023 XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX Balance XXXX {$8000.00} XXXX XXXX XXXX : {$2600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XX/XX/XXXX2023 XXXX XXXX XXXX/XXXX/2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76140
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 recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 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 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 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 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: CO
Zip: 80918
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: XXXX BANK had 21 days to stop reporting all activity to the following agencies. Experian, XXXX, XXXX and additional secondary bureaus. I have the right to privacy. And never once did I speak with the company and allow them to report my transaction history, payment history all of which should have remained private and not for to the bureaus for display and sell! This is unlawful sharing of private information. Here moving forward all of the bureaus mustn't report my private information any longer. The account must state paid as agreed and nothing else.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95834
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is XXXX being reported. Please see this account is removed from my file at once. XXXX XXXX : Bankruptcy Reference Number : XXXX PLEASE DELETE!!! If you continue to report this information without truly verifying the information I will be seeking a legal remedy. Ive already discussed this matter with my attorney & he will draw up the federal case within 30 days of this letter if its not removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95350
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: XXXX BANK had 21 days to stop reporting all activity to the following agencies. Experian, XXXX, XXXX and additional secondary bureaus. I have the right to privacy. And never once did I speak with the company and allow them to report my transaction history, payment history all of which should have remained private and not for to the bureaus for display and sell! This is unlawful sharing of private information. Here moving forward all of the bureaus mustn't report my private information any longer. The account must state paid as agreed and nothing else.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95834
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A