Date Received: 2024-01-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX, Experian, and XXXX continue to report and alleged bankruptcy without my permission. My name is copyrighted property and XXXX, Experian, and XXXX do not have my permission to furnish such information about me. I am asking for the contract between me XXXX, Experian, and XXXX that gives them permission to share my information. ( a ) Anyone who violates any of the exclusive rights of the copyright owner as provided by sections 106 through 122 or of the author as provided in section 106A ( a ), or who imports copies or phonorecords into the United States in violation of section 602, is an infringer of the copyright or right of the author, as the case may be. For purposes of this chapter ( other than section 506 ), any reference to copyright shall be deemed to include the rights conferred by section 106A ( a ). As used in this subsection, the term anyone includes any State, any instrumentality of a State, and any officer or employee of a State or instrumentality of a State acting in his or her official capacity. Any State, and any such instrumentality, officer, or employee, shall be subject to the provisions of this title in the same manner and to the same extent as any nongovernmental entity. ( b ) The legal or beneficial owner of an exclusive right under a copyright is entitled, subject to the requirements of section 411, to institute an action for any infringement of that particular right committed while he or she is the owner of it. The court may require such owner to serve written notice of the action with a copy of the complaint upon any person shown, by the records of the Copyright Office or otherwise, to have or claim an interest in the copyright, and shall require that such notice be served upon any person whose interest is likely to be affected by a decision in the case. The court may require the joinder, and shall permit the intervention, of any person having or claiming an interest in the copyright. ( c ) For any secondary transmission by a cable system that embodies a performance or a display of a work which is actionable as an act of infringement under subsection ( c ) of section 111, a television broadcast station holding a copyright or other license to transmit or perform the same version of that work shall, for purposes of subsection ( b ) of this section, be treated as a legal or beneficial owner if such secondary transmission occurs within the local service area of that television station. ( d ) For any secondary transmission by a cable system that is actionable as an act of infringement pursuant to section 111 ( c ) ( 3 ), the following shall also have standing to sue : ( i ) the primary transmitter whose transmission has been altered by the cable system ; and ( ii ) any broadcast station within whose local service area the secondary transmission occurs. ( e ) With respect to any secondary transmission that is made by a satellite carrier of a performance or display of a work embodied in a primary transmission and is actionable as an act of infringement under section 119 ( a ) ( 3 ), a network station holding a copyright or other license to transmit or perform the same version of that work shall, for purposes of subsection ( b ) of this section, be treated as a legal or beneficial owner if such secondary transmission occurs within the local service area of that station. ( f ) ( 1 ) With respect to any secondary transmission that is made by a satellite carrier of a performance or display of a work embodied in a primary transmission and is actionable as an act of infringement under section 122, a television broadcast station holding a copyright or other license to transmit or perform the same version of that work shall, for purposes of subsection ( b ) of this section, be treated as a legal or beneficial owner if such secondary transmission occurs within the local market of that station. ( 2 ) A television broadcast station may file a civil action against any satellite carrier that has refused to carry television broadcast signals, as required under section 122 ( a ) ( 2 ), to enforce that television broadcast stations rights under section 338 ( a ) of the Communications Act of 1934.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77084
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: Information belongs to someone else
Consumer Complaint: this is my second time dispute the account : XXXX XXXX # XXXX I have requested documentation from the following collections agencies : XXXX XXXX XXXX XXXX XXXXXXXX Please delete the above accounts they are not accurate and unverified XXXX FCRA violation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43230
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I sent a communication to XXXX XXXXXXXX, regarding my option to opt out of having my nonpublic personal information shared/reported to any credit bureaus including Experian, XXXX and XXXX. In regards 15 USC Code 6802, it states that : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party ( XXXX XXXXXXXX AND THE BUREAUS MENTIONED ABOVE ARE NOT AFFILIATED ) any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( They NEVER gave me this information/option ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Again, they never gave me that option when the transaction was initially done ). *Also see ; 12 CFR Part 1016 Subpart A* They DID NOT give me full disclosure when the transaction initially took place, which is misleading and fraudulent. NONPUBLIC PERSONAL INFORMATION MEANS : personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. NON AFFILIATED THIRD PARTY MEANS : any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. I am demanding that this information that I choose to no longer have shared with the bureaus, be removed from all of my credit reports immediately. In addition, compensation for their violations of the law and making my life difficult.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: In progress
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: I sent a communication to XXXX XXXX, regarding my option to opt out of having my nonpublic personal information shared/reported to any credit bureaus including Experian, XXXX and XXXX. In regards 15 USC Code 6802, it states that : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party ( XXXX XXXX AND THE BUREAUS MENTIONED ABOVE ARE NOT AFFILIATED ) any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( They NEVER gave me this information/option ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Again, they never gave me that option when the transaction was initially done ). *Also see ; 12 CFR Part 1016 Subpart A* They DID NOT give me full disclosure when the transaction initially took place, which is misleading and fraudulent. NONPUBLIC PERSONAL INFORMATION MEANS : personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. NON AFFILIATED THIRD PARTY MEANS : any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. I am demanding that this information that I choose to no longer have shared with the bureaus, be removed from all of my credit reports immediately. In addition, compensation for their violations of the law and making my life difficult.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
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: I'm just gon na start this off by saying these people are so annoying. I wrote a letter to XXXX XXXX to inform them that I am opting out and revoking all previous permission that I may have given them in terms of sharing my nonpublic personal information to any non-affiliate. XXXX XXXX knows that they are not affiliated with Experian XXXX XXXX and XXXX and that it does not fall under any exemption that is either in 12 CFR 1016 or 15 USC 6802 of course they always have some stupid excuse as to why they can't do something or you can't speak to a representative who has a little bit more power to get anything done so I'm making this notice available to the CFPB to demand remedy. XXXX XXXX received an opt out notice from me about a month ago dated XX/XX/. The opt out notice stated that I was revoking any verbal or nonverbal permission that I gave them to share my nonpublic personal information with any non-affiliate indefinitely. XXXX XXXX finally called me on Monday, XXXX XXXX XXXX XXXX XXXX to tell me that they can't do anything as it pertains to sharing my nonpublic personal information with non-affiliates such as Experian, XXXX XXXX and XXXX who by the way do not fall under the exemptions for who XXXX XXXX can share non-public personal information with. This is irritating because XXXX XXXX along with these other creditors never follow the rules but the consumers are always supposed to follow the rules. in addition they did not give any notice on how to opt out of sharing my nonpublic personal information with non- affiliates which is also against the law. I am demanding that XXXX XXXX rectify the situation by removing my non-public personal information and stop sharing my non-public personal information who is non-affiliates who do not have an exemption under 12 CFR 1016 and 15 USC 6802 such as Experian, XXXX XXXX and XXXX. If anyone is confused about what non-public personal information is here is the formal definition of the term as provided by both 12 CFR 1016 and 15 USC 6802. 12 CFR 1016 : Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available. 15 USC 6802 : Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information. This makes the whole transaction nonpublic personal information as the transaction itself is private.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32210
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: Despite XXXX disputes with Experian, they are still reporting XXXX of my students loans as having a balance. On XXXX student loan account, they are incorrectly reporting a {$53000.00} balance. ( XXXX and XXXX are correctly reporting a {$0.00} balance. ) My loans have been forgiven. I have submitted evidence verifying that the loans have been forgiven, and that I have a XXXX balance with the XXXX XXXX XXXX website, as well as XXXX ( the student loan servicer ). I can not understand why Experian is incorrectly reporting a balance. This is preventing me from refinancing my house.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92563
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: I have reviewed my consumer reports and noticed that I had a late payment on XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thanks!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33055
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: Account information incorrect
Consumer Complaint: I'm just gon na start this off by saying these people are so annoying. I wrote a letter to XXXX XXXX XXXX to inform them that I am opting out and revoking all previous permission that I may have given them in terms of sharing my nonpublic personal information to any non-affiliate. XXXX XXXX XXXX knows that they are not affiliated with Experian XXXX XXXX and XXXX and that it does not fall under any exemption that is either in 12 CFR 1016 or 15 USC 6802 of course they always have some stupid excuse as to why they can't do something or you can't speak to a representative who has a little bit more power to get anything done so I'm making this notice available to the CFPB to demand remedy. XXXX XXXX XXXX received an opt out notice from me about a month ago dated XX/XX/2023. The opt out notice stated that I was revoking any verbal or nonverbal permission that I gave them to share my nonpublic personal information with any non-affiliate indefinitely. XXXX XXXX XXXX has still not made communication with me about sharing my nonpublic personal information with non-affiliates such as Experian, XXXX XXXX and XXXX who by the way do not fall under the exemptions for who XXXX XXXX XXXX can share non-public personal information with. This is irritating because XXXX XXXX XXXX along with these other creditors never follow the rules but the consumers are always supposed to follow the rules. in addition they did not give any notice on how to opt out of sharing my nonpublic personal information with non- affiliates which is also against the law. I am demanding that XXXX XXXX XXXX rectify the situation by removing my non-public personal information and stop sharing my non-public personal information who is non-affiliates who do not have an exemption under 12 CFR 1016 and 15 USC 6802 such as Experian, XXXX XXXX and XXXX. If anyone is confused about what non-public personal information is here is the formal definition of the term as provided by both 12 CFR 1016 and 15 USC 6802. 12 CFR 1016 : Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available. 15 USC 6802 : Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information. This makes the whole transaction nonpublic personal information as the transaction itself is private.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32210
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: Information belongs to someone else
Consumer Complaint: 1st validation letter sent to Experian for XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX ( it came back verified ) 2nd validation letter sent to Experian for XXXX XXXX XXXX on XXXX XXXX, XXXX ( it came back verified )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75043
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: 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 concern and dissatisfaction regarding the persistent challenges I have encountered in correcting late open accounts and removing late closed and charge-off accounts from my credit file. Despite numerous attempts to rectify these issues, I have experienced significant difficulties and delays. I initiated the process of addressing inaccuracies in my credit file by reporting late open accounts and requesting the removal of late closed and charge-off accounts. Since then, I have made multiple attempts to resolve these matters through your customer service department, specifically. Unfortunately, my efforts have not yielded the desired results, and the inaccuracies persist in my credit report. I understand that credit reporting is a complex process, and I appreciate the need for accuracy and thorough investigation. However, the lack of progress and effective communication has had a detrimental impact on my financial standing and has caused undue stress. I am requesting the following actions to be taken promptly : Immediate and thorough investigation into the late open accounts on my credit file. Transparent communication about the specific steps being taken to correct the inaccuracies in my credit report. Swift removal of the late closed and charge-off accounts from my credit file. I expect a resolution to these matters within the specified timeframe from the date of receipt of this letter. Timely resolution is crucial to my financial well-being and future credit opportunities. If the issues persist without a satisfactory resolution, I may have no choice but to escalate this matter further, including filing complaints with regulatory authorities and seeking legal counsel to address the violations of my rights as a consumer. I trust that your organization is committed to fair and accurate credit reporting, and I request your immediate attention to rectify these critical inaccuracies. I am asking for your assistance to correct this late open and remove these charge off and late closed accounts in my credit file : 1. XXXX XXXXXXXX XXXX Balance Owed : {$0.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 2. XXXX XXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. XXXX. XXXX XXXX Balance 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. 4. XXXX XXXXXXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 5XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. XXXX. XXXX XXXX XXXX Balance Owed : {$710.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 7. XXXX XXXX Balance Owed : {$0.00} - 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. 8. XXXX XXXX XXXX Balance Owed : {$79.00} - I 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. 9. XXXX XXXX Balance Owed : {$0.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63368
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A