Date Received: 2024-01-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77042
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Discovering late payments on my account is entirely unjust, particularly when considering my consistent history of timely payments. I insist on the immediate correction of this error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77042
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: i checked my credit report in XX/XX/ because I am trying to purchase a house for my family and I. I wanted to surprise my children and my fianc with a new home and when i checked, I saw there was multiple fraudulent Collection accounts on my consumer reports along with several addresses that do not belong to me. I have been living at XXXX XXXX XXXX, XXXX OH Since i was in middle school and have not resided at any other address since then. The following addresses do not belong to me : XXXX XXXX XXXX, XXXX, oh XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX AZ, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXXXXXX XXXX XXXX AZ, XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX AZ. THE FOLLOWING FRAUDULENT COLLECTION ACCOUNTS DO NOT BELONG TO ME : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX 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: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
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 tried to buy a house I realized that I had multiple inquiry credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90011
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91335
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
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 letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following acct attached in document Please provide me with : 1. What the money you say I owe is for. 2. A detailed explanation of how you calculated what you say I owe. 3. Copies of any and all papers that prove I agreed to pay what you say I owe. 4. A verification or copy of any judgment, if applicable. 5. The identity, name, and address of the original creditor. 6. Proof that the Statute of Limitations has not expired on this account. 7. Proof that you are licensed to collect in my state. 8. Your license numbers and Registered Agent or Agent of Service. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( Experian, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75165
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This information is under my name and is causing me harm. I need it removed from my history. DP OF EDUCXXXX DP OF EDUCXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Your credit reporting agency has been consistently providing inaccurate and incomplete account details to my credit file. I am deeply concerned about the presence of these inaccuracies within my credit profile. It appears that your reporting agency has not implemented effective procedures to ensure the highest level of accuracy in the credit information it reports. This lack of diligence may expose your agency to potential liability under 15 U.S.C. 1692g, specifically concerning the validation of debt. Additionally, referencing the legal precedent set in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX 2018 ), your reporting agency could be held accountable for engaging in false reporting. It is imperative to adhere to credit reporting laws, which mandate that bureaus only report credit information that is entirely accurate. 1. 1681n. Civil liability for willful noncompliance XXXX XXXX Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once. 2. 1681i. Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am re submitting my complaints because I fail to list the accounts with account number. But its been over 40 days since Ive sent in dispute letters too all 3 credit bureaus Experian, XXXX, and XXXX. I've been hung up on and mistreated unfairly and There has been no changes to my report and I am fully aware of my consumer rights. once again 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. I am also aware of the following : 15 USC 1681 section 604a 15 USC 6802 ( b ) ( c ) 15 USC 1681C ( a ) ( 5 ) 15 U.S. Code 1681s2 ( A ) ( 1 ) 15 U.S. Code 1681e 1681c 1681b 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. These are the following companies and accounts numbers for Experian : XXXX XXXX XXXX Balance {$3900.00} -XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$4600.00} XXXX XXXX XXXX XXXX Balance {$740.00} -XXXX XXXX XXXX XXXX {$560.00} -XXXX XXXX XXXX XXXX Balance {$3700.00} XXXX XXXX XXXX XXXX Balance {$600.00} -XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} -XXXX XXXX XXXX Balance {$1900.00} These are the following companies and accounts numbers for XXXX : XXXX XXXX XXXX XXXX XXXX XXXX {$4900.00} -XXXX XXXX XXXX Balance {$2400.00} -XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} -XXXX XXXX XXXX These are the following companies and accounts numbers for XXXX : XXXX XXXX XXXX Balance {$0.00} -XXXX XXXX XXXX Balance {$2400.00} -XXXX XXXX XXXX Balance {$3000.00} -XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} -XXXX XXXX XXXX XXXXXXXXxBalance {$12000.00} XXXX XXXX XXXX Balance {$850.00} XXXX XXXX XXXX Balance {$560.00} -XXXX XXXX {$3700.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45238
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76021
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A