Date Received: 2024-01-14
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: XXXX XXXX has made claims that the Bankruptcy on my record is valid and verified but refuses to send me verifiable proof even though iv requested several times! they must remove this Bankruptcy pursuant to 15 USC 1681 sub section 604 they can not furnish my acct without my written consent. And have failed to send me verifialible proof of the acct please remove it immediatley or i will pursue litigation against them under section XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2024-01-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair reporting credit act account XXXX, has violated my rights. 15 U.S.C 1681 section 602A : states I have the right of privacy. 15 U.S.C 1681 section 602A section 2 : It also states a customer reporting agency can not furnish a account without my writing instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: 006XX
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am writing to bring to your attention the inaccurate and incomplete credit information that you have reported on my credit profile. I find it extremely disappointing that you have failed to maintain reasonable procedures to ensure maximum possible accuracy in the credit reports you publish, as required by credit reporting laws. The information listed below needs to be investigated immediately, and I demand to be provided with proof of the alleged items, specifically the contract, note, or other instrument bearing my signature. If you fail to provide this proof, then the items must be removed from my credit report as soon as possible : 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 I find it extremely concerning that XXXX has already removed these accounts from their records, indicating that there was indeed an error present, yet you have failed to follow suit. I demand that you delete these items from my file as they are inaccurate, erroneous, incomplete, or unverifiable. It is unacceptable that you are not complying with the law, especially when the other credit bureaus have already done so. 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: CA
Zip: 928XX
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: 2024-01-15
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 writing to express my deep frustration and dissatisfaction with the several unsuccessful attempts to correct late open accounts, remove late closed accounts, public record.account included in XXXX and XXXX on my XXXX XXXX. Despite my persistent efforts and compliance with the dispute resolution process, these inaccuracies persist, causing significant distress and adversely impacting my financial standing. I have diligently followed the established dispute resolution process, submitting dispute letters, providing supporting documentation, and engaging in communication with your representatives. Despite these efforts, the inaccuracies persist, significantly impacting my XXXX and creating obstacles in securing credit and favorable interest rates. I request an immediate and thorough investigation into these matters to rectify the inaccuracies on my XXXX XXXX. I expect a detailed response withinthe exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and correct the late open accounts, remove the late closed accounts, Accounts Included in XXXX, XXXX XXXX and the XXXX Should this matter not be resolved promptly, I may be compelled to escalate my complaint to regulatory authorities and seek legal counsel to protect my rights. I am asking for your assistance to correct these late open accounts and remove the late closed accounts, public record.account included in XXXX and XXXX in my credit file : XXXX XXXX Balance : {$0.00} - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. XXXX XXXX XXXX Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. XXXX XXXX XXXX : {$700.00} - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file. XXXX XXXX XXXX Balance Owed : {$0.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. XXXX XXXX XXXX XXXX {$530.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. XXXX XXXX XXXX : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the XXXX XXXX statute of limitations that a credit bureau can report. Please update the filing date and then remove it. Chapter XXXX Bankruptcy XXXX XXXX XX/XX/2018 - I did not file a chapter XXXX XXXXXXXX with the courts. When I spoke with the court clerk that did not have records. Please provide the contact information of the XXXX XXXX data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85037
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Credit card through bank opened XXXX. Defaulted XX/XX/XXXX. Individual charge card. Has Me listed as making 3 payments recently of {$1.00}, {$5.00}, and {$0.00} Its an obvious attempt at re-aging this account which has never been brought current in 7 years. Disputed through XXXX and I took one day for them to verify as accurate. How? {$1.00} looks accurate?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46383
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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: TX
Zip: 79707
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Experian is reporting that the ( XXXX XXXX ) account status is collections/ charge off ; however, according to XXXX online monitoring services report, I have no late payment and no collection therefore it's an inaccuracy. This violation of 15 U.S. Code 1681e - Compliance procedures reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. Delete the collections/ charge-off off account ( XXXX XXXX ) from the consumer report. Please see the attached supporting documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33029
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 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: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to express my deep frustration and dissatisfaction with the many unsuccessful attempts to remove fraudulent items from my credit file. Despite my persistent efforts and cooperation, the fraudulent entries persist on my credit report, causing significant distress and adversely impacting my financial standing. I have previously submitted identity theft affidavits, police reports, and supporting documentation in my attempts to rectify these inaccuracies. Regrettably, it appears that the necessary actions were not taken to ensure the timely and accurate removal of the fraudulent items. The continued presence of these inaccuracies is not only affecting my creditworthiness but is also causing significant challenges in securing credit, obtaining favorable interest rates, and managing my overall financial well-being. I urgently request an immediate and thorough reinvestigation into this matter to expedite the removal of the fraudulent items from my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and rectify the fraudulent items promptly. Failure to resolve this matter in a timely and satisfactory manner may compel me to escalate my complaint to regulatory authorities and seek legal recourse to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : 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: AZ
Zip: 85037
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: 2024-01-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Experian is reporting that the ( XXXX XXXX XXXX XXXX ) account status is as collections/ charge off ; however, according to XXXX and XXXX XXXX monitoring services report, I have no late payment and no collection therefore it's an inaccuracy. This violation of 15 U.S. Code 1681e - Compliance procedures reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. Delete the collections/ charge-off off account ( XXXX XXXX XXXX XXXX XXXX from the consumer report. Please see the attached supporting documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33029
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A