Date Received: 2024-01-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/year> I went to XXXX XXXXXXXX XXXX to inquire ( for the first time ever ) about applying for a home loan and what I need to do to get approved to purchase a home. The representative ran my credit and provided me with a full credit report by XXXX XXXX ( a company which is supposed to accurately present credit report data by the XXXX crediting agencies Experian, XXXX, and XXXX ). Upon receiving my credit report, I found that there were MANY incorrect accounts reporting under my name and social security number that DO NOT belong to me. I found out that because my mother and I have similar names and social security numbers, our information has been jumbled together. Items on the credit report such as my mother 's MORTGAGE and SEVERAL DEROGATORY ACCOUNTS and past due or collections accounts are now reporting under me. Due to this, I can not get approved for a home loan by any means. The bank representative couldn't help me further, so it was up to me to start researching the steps I need to take to get this incorrect information corrected and removed. Being that credit card and loan accounts are all reported by social security number ( the reason we are taught to keep that information private and protected ) I thought it would be easy to simply submit a dispute and get everything removed. It turns out, these companies don't communicate with each other or the consumers very well! There is miscommunication and misrepresentation among all three crediting agencies and what they report to XXXX XXXX. How is this stuff not getting updated and resolved? I have spent hours on the phone with XXXX XXXX representatives to try and get my point across and file disputes with the crediting agencies, all of which have yet to respond to my dispute over two months later. I get transferred around from department to department with no urgency or care by anyone to help me resolve my issue. To some, this may not seem like a big deal, but to someone who has an expired lease on an apartment and needs to find a home for herself and her XXXX child as soon as possible, this is an urgent matter and a life changing issue! Especially when dealing with an error that simply is not my fault. The crediting agencies have automated systems by phone which are not able to help me submit or view my disputes and refuse to take me to a human representative. When I log into their online portals, I am told due to security guidelines I can not file anything online and need to speak to a representative. How long will I have to go around in circles until I find a solution to this matter? These are GOVERNMENT agencies that hold power over my ability to get approved for a HOME, a CAR, things that I NEED in order to provide proper support and care for my child. Being a working mom with an infant, it is VERY hard to even find the countless hours needed that I have essentially wasted trying to find a solution to this problem, which to me sounds like a simple matter. I have worked in technology and customer service for over 10 years and I am appalled at the treatment and ignorance I have received at my urgent matter. I feel as though I have done my job as a consumer to keep my information private, pay my bills, build good credit, all to prepare me for the day that I will need to buy a home and now all of that is taken away from me by the ignorance and errors of others and no one is willing to step up and HELP ME. I am truly let down by these systems. This is supposed to be the land of opportunity and here I am- an educated and hard working mother who is going to end up without a home for my son if I can not find a solution to someone elses ignorance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14580
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term consumer means an individual. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history, late payment are experiences. Those are inaccuracy, Delete all transaction and experience from my consumers report immediately Pursuant to 15 U.S.C 1681 Section 604 A Section 2 : as stated a consumer reporting agency can not furnish an account without my written instructions. I DEMAND THAT YOU PROOVE THAT I GAVE YOU MY WRITTERN INSTRUCTIONS TO REPORT THE ATTACHED INACCURACIES ON MY CONSUMER REPORT. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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. You have been made aware that this information on my consumer report is 100 % inaccurate. Accordingly with the law I'm sending an invoice for damages. FAILURE TO PROVIDE THE REQUIRED DOCUMENTS AND/OR YOUR ACTIVE WILL TO CONTINUE TO INTENTIONALLY COMMIT FRAUD WILL RESULT IN LITIGATION TAKEN AGAINST YOU. Sincerely, Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40272
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I want to emphasize that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully urge you to prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
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 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: Problem with personal statement of dispute
Consumer Complaint: XXXX XXXX provided incomplete and improper information in their XXXX application which lead to to my account being put in default ( over a {$3.00} charge ) due to the fact that the application listed no balance on the account. What was not apparent ( and in no way visible using their XXXX application, which is the primary way I interacted with XXXX XXXX ) was that they were calculating interest AFTER the amount shown as the total amount due, but NEVER UPDATING the amount due on the app. So, the user would see a XXXX balance, even though they were calculating a small amount of interest ( XXXX XXXXXXXX {$3.00} ) and applying it to the account. How can you possibly pay an amount when you don't know what the amount is, and the amount due is shown as XXXX? This ( in my opinion borderline fraudulent ) practice, led my personal credit score to decrease by about XXXX points. Over {$2.00}!!! The bank was completely unapologetic regarding their application ( in fact their representative said during a presumably recorded phone call that the app does not provide the full information regarding the account status ) failure to provide complete information. I have since closed my accounts with XXXXXXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 057XX
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: 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. 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: NJ
Zip: 07307
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. 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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07522
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 am coming to you because I'm a victim of Identity theft. There are a lot of things on my credit report that are inaccurate due to fraudulent activity. Someone has stolen my identity and opened accounts using my personal information. I've been complaining with the credit bureaus to have these accounts removed but nothing has been done. I don't recognize the following accounts on my credit report : XXXX XXXX XXXX XXXX XXXX acct number XXXX for {$1200.00}, Credit XXXX XXXX ( XXXX ) acct number XXXX for {$100.00}, XXXX XXXX acct number XXXX {$14000.00}. I'm seeking your help to have this fraudulent information removed from my report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34787
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.
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
Date Received: 2024-01-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Please see attached file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 757XX
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: Credit monitoring or identity theft protection services
Subissue: Received unwanted marketing or advertising
Consumer Complaint: XXXX XXXX XXXX & Without Correction within 30 day period. The violators started threatening consumer without faithful correspondence to consumer 's concerns. Account ending in XXXX : {$4500.00} Account ending in XXXX : {$11000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92126
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A