Date Received: 2024-01-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello, my name XXXX and I am calling because I was wondering why these fraudulent accounts are still showing up on my credit report. I already went through the dispute process and sent in all documents necessary 30 days ago. I sent in my ID, social, Identity Theft Report, I am wondering why it is still not off my report, can you remove it off my report completely /. I am asking to provided information if not please delete wrong information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19082
Submitted Via: Web
Date Sent: 2024-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-14
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Experian regarding their failure to address and rectify inaccurate information on my credit report. I have attempted to resolve this issue directly with Experian to no avail, and I am now seeking your assistance in resolving this matter. Details of the dispute are as follows XXXX XXXX XXXX XXXX XXXX XXXX I first contacted Experian in writing to dispute inaccurate information on my credit report. I provided all necessary documentation supporting my claim and requested a thorough investigation into the matter. 2. Subsequently, on XX/XX/, I reached out to Experian again, as I had not received any response or acknowledgment of my initial dispute. I reiterated my concerns and provided additional evidence to support my claim. 3. Despite multiple attempts to engage with Experian, my efforts to rectify this situation were met with silence. On XX/XX/, I sent a follow-up communication, once again emphasizing the urgency of the matter and requesting immediate attention to my dispute. 4. Furthermore, on XXXX XXXX XXXXXX/XX/XXXX, I made another attempt to contact Experian, seeking resolution to the unauthorized inquiries issue. However, I have received no response or acknowledgment of this communication. Regrettably, Experian has failed to process my dispute or provide any communication regarding the status of the investigation. This lack of response and action has not only caused significant distress but also has potential repercussions on my financial well-being. Given the unresolved nature of this issue, I am now seeking the assistance of the Consumer Financial Protection Bureau to intervene and facilitate a prompt and fair resolution. I kindly request that you investigate this matter thoroughly and take appropriate action to ensure that Experian addresses the unauthorized inquiries on my credit report as per the guidelines set forth by the Fair Credit Reporting Act ( FCRA ). Enclosed with this letter, please find copies of all relevant documentation, including my previous communications with Experian, proof of the unauthorized inquiries, and any other pertinent information that may assist in your investigation. I appreciate your prompt attention to this matter and look forward to a resolution that restores the accuracy of my credit report and protects my consumer rights. Thank you for your time and assistance.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-14
Company Response to Consumer: In progress
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I trust this letter finds you well. I am writing to address some concerns I have identified regarding the handling of my consumer credit information, which appear to be in violation of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. As a consumer, I believe it is crucial to ensure the accuracy, fairness, and privacy of the information contained in my credit report. Congressional Findings and Purpose ( 15 U.S. Code 1681 ) : The FCRA 's congressional findings emphasize the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for privacy. It is the purpose of the FCRA to require the adoption of reasonable procedures that ensure fairness and equity to the consumer. Definitions and Illegal Reporting ( 15 U.S. Code 1681a ) : Understanding the definitions laid out in 15 U.S. Code 1681a is fundamental. Notably, any report containing information solely about transactions or experiences between the consumer and the reporting entity, excluding transaction history, is deemed illegal. Permissible Purposes of Consumer Reports ( 15 U.S. Code 1681b ) : Permissible purposes for furnishing a consumer report are explicitly outlined in the FCRA. It is crucial to emphasize that the written instructions of the consumer must be followed, and any addition to a consumer report without such written consent is a violation. Did the credit reporting agency ensure they received written instructions from me before reporting the information on my credit report? Could you kindly provide proof of my written consent for the reported information to be included in my credit report? Requirements Relating to Information ( 15 U.S. Code 1681c ) : Consumer reporting agencies are restricted from including certain items of information in consumer reports. Adverse items, excluding records of convictions of crimes, should not be included if they antedate the report by more than seven years. Can the credit reporting agency confirm that the information reported adheres to the restrictions outlined in 15 U.S. Code 1681c? Identity Theft and Compliance Procedures ( 15 U.S. Code 1681c2 and 15 U.S. Code 1681e ) : Procedures for blocking information resulting from identity theft are outlined, emphasizing the importance of consumer verification. Compliance procedures under section 1681e require maintaining reasonable procedures to avoid violations, including the verification of the identity and purposes of credit users. Were adequate procedures followed to verify my identity before reporting the information? Could you please provide proof of the verification of my identity and the procedures followed before reporting the information? Civil Liability for Noncompliance ( 15 U.S. Code 1681n and 1681o ) : The FCRA establishes civil liability for willful and negligent noncompliance. Individuals are entitled to damages for willful noncompliance, and negligent noncompliance results in liability for damages sustained by the consumer. Can the credit reporting agency confirm that they have not willfully or negligently violated the FCRA in reporting my information? Responsibilities of Furnishers of Information ( 15 U.S. Code 1681s2 ) : Furnishers of information to consumer reporting agencies are prohibited from reporting inaccurate information and must cease reporting upon notice and confirmation of errors by the consumer. Did the furnisher of information adhere to their responsibility to report accurate information, and was reporting ceased upon notice of errors? Privacy Act of 1974 ( 5 U.S. Code 552a ) : The Privacy Act imposes conditions of disclosure and requires prior written consent for the disclosure of records to consumer reporting agencies. Can the credit reporting agency confirm that they obtained prior written consent as required by the Privacy Act for the disclosure of records? Could you please provide proof of my prior written consent for the disclosure of records under the Privacy Act? Opt-Out Laws and 12 CFR Part 1016 : Financial institutions are obligated to provide clear and conspicuous notices about privacy policies, conditions for disclosing nonpublic personal information, and methods for consumers to opt out of such disclosures. Did the credit reporting agency provide clear and conspicuous notices about privacy policies and conditions for disclosing information, including the right to opt-out? Could you please provide proof of the notices and information related to opting out as per 12 CFR Part 1016? In light of the identified violations, I kindly request that immediate corrective action be taken to rectify the inaccuracies in my credit report and cease any further unauthorized reporting of information. Failure to comply may necessitate legal action in accordance with the FCRA and Privacy Act. Furthermore, I am formally requesting a thorough review of my entire credit report furnished by your agency. As part of this review, I am specifically requesting the following : Proof of Consent : Could you please provide written proof of my consent for the inclusion of the reported information in my credit report? Proof of Identity Verification : Could you please provide documentation verifying the procedures followed to confirm my identity before reporting the information? Proof of Compliance with Reporting Restrictions : Can you confirm that the reported information adheres to the restrictions outlined in 15 U.S. Code 1681c? Proof of Prior Written Consent under the Privacy Act : Could you please provide proof of my prior written consent for the disclosure of records under the Privacy Act? Proof of Notices and Information Related to Opting Out : Could you please provide proof of the notices and information related to opting out, as per 12 CFR Part 1016? I appreciate your prompt attention to this matter and kindly request that you provide the requested proofs at your earliest convenience.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23451
Submitted Via: Web
Date Sent: 2024-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I want these negative reports removed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30046
Submitted Via: Web
Date Sent: 2024-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX card acct # XXXX I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! Your company is in violation of the FCRA and Metro2 Compliance and reporting violation. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On 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 ) you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( 1 ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to 69 a consumer report is Clear violation of Metro2 compliance! Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the late payment transactions deleted from my consumer reports effective immediately. Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time. Further more 15 USC 1666b ( a )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33166
Submitted Via: Web
Date Sent: 2024-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-14
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I called the credit bureaus and asked to remove personal information there was one removed but all of my personal information is still not off I have sent various letters but its still not off of my report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2024-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-14
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I was looking at my credit report on XX/XX/XXXX and I sent a letter to Experian. They said they could not verify my information. They said they needed more information. However I submitted that already. I just wanted to investigate the account I attached the letter that all counts. I want it investigated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07018
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: 2024-01-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, Account name : XXXX XXXXXXXX XXXX, Account name : XXXX XXXX,. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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: NJ
Zip: 07018
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: 2024-01-14
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In 2023 I requested information be removed from my credit report from experian relating to an account from XXXX XXXX credit card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 549XX
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: 2024-01-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX Office of the Attorney General California Department of Justice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute and Request for Correction of Inaccurate Late Payments on Auto Loan Account [ XXXX ] I am writing to bring to your attention a matter of significant concern regarding inaccuracies in my credit report, specifically related to late payments on my auto loan account with XXXX XXXX, identified by account number [ XXXX ]. The inaccuracies have had a detrimental impact on my credit score, and I am seeking your assistance in rectifying this situation. Description of the Inaccuracies : Upon reviewing my credit report from [ Credit Reporting Agencys ], I discovered that there are inaccuracies in reporting late payments on my auto loan account with XXXX XXXX. The reported late payments are not reflective of my payment history, and I believe they have been erroneously included in my credit report. this company has reported payments late for the months of XXXX XXXX XXXX XXXX and XXXX of XXXX, when all payments were made on time. i have requested and attached checks made out to this company that were sent from my bank to pay for this loan on time. i request that these late items be removed immediately Supporting Documentation : I have attached supporting documentation, including copies of payment records, bank statements, and any correspondence with XXXX XXXX, that clearly demonstrate the accuracy of my payments and the error in reporting late payments. Request for Immediate Correction : I am formally requesting that the Consumer Financial Protection Bureau, XXXX XXXX, the California Attorney General 's Office, and the XXXX major credit reporting agencies ( XXXX, Experian, and XXXX ) conduct a thorough investigation into this matter and promptly correct the inaccuracies on my credit report. Legal Precedence : I would like to draw attention to legal precedents where companies have been held accountable for inaccurately reporting information on consumers ' credit reports. One notable example is XXXX XXXX XXXX Experian. This case highlights the importance of accurate credit reporting and the potential legal consequences for companies that fail to uphold this standard. Consumer Rights and Protections : As a consumer, I am entitled to fair and accurate credit reporting under the Fair Credit Reporting Act ( FCRA ). I believe that the reported inaccuracies violate my rights under this federal law. Request for Confirmation : I kindly request written confirmation from XXXX XXXX once the corrections have been made and the accurate information has been updated on my credit report. I appreciate your prompt attention to this matter and look forward to a swift resolution. Please feel free to contact me at XXXX or XXXX if additional information is required. Thank you for your assistance in rectifying this situation and ensuring the accuracy of my credit report. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91504
Submitted Via: Web
Date Sent: 2024-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A