Date Received: 2024-01-14
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: RE : Acct # XXXX Dear CFPB, XXXX XXXX XXXX XXXX XXXX XXXX is furnishing inaccurate and incorrect information to the consumer reporting agency Experian, XXXX and XXXX. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. The inaccurate reporting by the institution has damaged my livelihood. 15 U.S. code 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. 1 ) Duty- A moral or legal obligation : a responsibility 2 ) Prohibition-A law or regulation forbidding something 3 ) Accurate- correct in all details ; exact. According to the law it is the PFFCUs moral and legal obligation to provide information that is correct in ALL details, and the information must be exact. Exact- not approximated in any way : precise. The furnisher by law is forbidden from reporting information with knowledge of errors. As defined in the Internal Revenue publication under canceled debts, A charge off or canceled debt is gross or ordinary income. A canceled debt of {$600.00} or more requires the lender to file a 1099c with filed taxes. The canceled debt is deemed by the internal revenue as gross and ordinary income and taxable. This information is found on page 3 IRS publication 4681 titled Canceled Debts. Gross or ordinary Income of any sort is not reported on a consumer report, doing such is illegal. The account can not be both income and debt at the same time. The IRS clearly defines a charge off as gross or ordinary income. The reporting of this account as a debt after it has been charged off, written off or canceled, by admission is what makes the reporting of this account inaccurate. Police and fire federal credit union is prohibited by law from reporting inaccurate information on a consumer report. I demand you to cease and desist from reporting this inaccurate information on my consumer report. 15 U.S code 1681s-2 ( a ) ( 1 ) ( A ) : 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. You are hereby put on notice that you are furnishing incorrect, inaccurate information! 15U.S code 1681s-2 ( B ) Reporting information after notice and conformation of errors : A person shall not furnish information relating to a consumer to any consumer agency if- ( i ) The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate : and ( ii ) The information is, in fact, inaccurate. In conclusion I have shown you and youve been put on notice, that you are reporting inaccurate information. The information is in fact inaccurate. The continued reporting of this information is a clear violation of law 15U.S code 1681s-2 of your responsibilities as a furnisher of information. You have caused me, and my family, severe harm due to your negligence and inaccurate reporting. This is a final opportunity to cure and delete this erroneous inaccurate account from my consumer report. YOU HAVE XXXX CALLENDER DAYS TO DELETE THIS ACCOUNT FROM CONSUMER REPORT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19130
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: Their investigation did not fix an error on your report
Consumer Complaint: I have tried numerous times to get incomplete and inaccurate items deleted off my profile. This company Experian has made it extremely difficult to get help during my dispute process. They have ignored my requested and gone over the 30 days time limit. I need help please
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 330XX
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: Information is missing that should be on the report
Consumer Complaint: Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX Dear sir, I would like to notice my concern regarding your company online credit report from XX/XX/XXXX to XX/XX/XXXX. I did not receive any credit cards offers anymore ; however, some contents are beyond my understanding. In total, I received 14 emails from XXXXexperian.com, XXXXexperian.com, and XXXX, experian.com. I realized there were some updates on my credit cards of XXXX XXXX XXXX, which I could not understand why your office considered I tried to dispute my three credit cards in past and present. I tried to dispute to know the reason why there were two accounts starting from XXXX cards. I consider that the card issued around XXXX must be my current card. I do not remember whether I ever had two accounts which starting from XXXX. If there was, somebody might have another card starting from XXXX. I insisted many times to clarify this matter as a victim of identity theft. Next, the record of XXXX XXXX lacks the information of XXXX of XXXX of balance history. I have paid {$57.00} on that month. Regarding this credit card, I am waiting my replacement card, which will be a replacement of fifth time. I request XXXXXXXX XXXX will send me the replacement card immediately, which can be used safely and hopefully without illegal and fraudulent activities. Thirdly, you have deleted XXXX which account number starting from XXXX without explanation. I never disputed this card ; therefore, what your office has done is illegal. Would you explain me why you considered yourself that you have the right to delete the closed credit card account? Do you have the right to remove the personal history without consent? I consider it against the human right ; therefore, it must be a subject to the consideration of international law since I am not a citizen of the United States. Would you explain why you continue to change the content of so-called credit report without the consent of individual? From the beginning, I continuously have the question what the purpose of this credit report is itself, if the content change so much ; even though individual must be same and difficult to change so quickly in a few days. I request the answer. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently checked my credit report and saw accounts reporting that I do not recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20744
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: I have contacted the CFPB on XX/XX/23 in regards to the account XXXX XXXX XXXX. I requested an investigation into my consumer report because this account is causing extreme damage to my credit score. XXXX XXXX is the account in question. Now I have provided court documents confirming that I am not responsible for this account and yet you refuse to remove it from my report. This is a direct violation of the FDCPA 15 USC 1692 the burden of proof is on your organization to verify the information that you furnish on a consumer report. The consumer reporting agencies are governed by the FCRA therefore if XXXX has completed an investigation and deleted this account then you also have to remove it as well. I am demanding the immediate removal of this account. Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37040
Submitted Via: Web
Date Sent: 2024-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-13
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: First, I would like to comment on your application process. There does not appear to be a subject that I am complaining about?? My complaint is with Experion. They send me emails every other week to tell me my credit score has gone down or up. When I open the email, I find out the score goes up or down by XXXX point with marketing messages. I believe that they use a XXXX point change in credits scores to market additional services or products?? Is XXXX point something that really needs my attention as a consumer????
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11426
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with non-monetary relief
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: This is not my account! This is the second time in XXXX months that XXXX allows this inaccurate information in my credit report negatively impacting my credit rating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29466
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Per the FCRA as a federally protected consumer I am now OPTING OUT of Any and all AUTHORIZATION, I the consumer may have given you written, unwritten, verbal and non verbal Per usc 6802 and the privacy act of 1974. 5usc 522a. Given notice to these companies XXXX XXXX, Experian, XXXXXXXX XXXX and all other 3rd party reporting agencies. Legal litigation will take place if no action is taken. Thank you XXXX XXXX ( consumer )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90247
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: Account information incorrect
Consumer Complaint: On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Experian XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX. Court, XXXX XXXX XXXX XXXX XXXX ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in XXXX and by refusing to adequately investigate consumer disputes regarding the status of XXXX accounts. I have requested that all NON CREDITORS, XXXX XXXX, and DEBT XXXX provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. In addition, any the contract signed between NON CREDITORS, XXXX XXXX, and DEBT XXXX & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, XXXX XXXX, and DEBT XXXX ability to collect this alleged debt. I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. Please send all validating records through the CFPB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. Under federal law, you have XXXX days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within XXXX days of the completion of your reinvestigation. I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and XXXX per violation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28215
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A