Date Received: 2024-01-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08723
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Updated dispute : I have pulled my report and the agency states that they do not have any inquiries on their side of things yet the items are still reflecting the inquiries on my side to date! During the time of my freeze and beyond, i was under a credit lock under all three consumer reporting agencies during which in order to authorize a credit check my permission was required to check my credit with written or verbal consent prior to an authorization. However, i discovered that despite having had an active alert on, y credit for fraud, there are inquiries that I do not recognize on my credit report. I did not give any of these following agencies and parties the authorization to make an inquiry on my credit. Especially with an active note of fraud alert that was on my account prior to the inquiries that were made against my credit report. All of the credit bureaus did not honor this request and none of the parties on my credit report consulted me about my credit being checked before running my credit whatsoever. Additionally I did not authorize any checks in relation to the parties involved with my consumer reports. Notably, XXXXXXXX XXXX XXXX checked my credit on a date that i did not recall and i spoke to them on XXXX XXXX XXXX XXXX XXXX to confirm the inquiry made. They denied any participation in an unauthorized check on my credit. Under such provisions, my rights were violated. On Grounds : [ 15 USC 1681a ss 603 ( m ) ( 1-3 ) ; use of information was abused during the period which the fraud alert was active and the disposition of the circumstances within my rights were breeched by all the parties involved since there was no notable communication on my behalf ( reserved ), FCRA/FCR Title 12 X 1016.13 ; Contrary to rule, sustains the provision where information was misused and justifies prior law under my rights as a consumer, there was again, misuse and failure to provide supplemental notice and information to me and upholding my rights as the consumer, FCRA/FCR Title 12 X 1016.15 ; Relative to other violations in terms of practices ( Reserved ), 15 USC 1681 ss 602 ( a ) ( 1-4 ) & 15 USC 1681 ss 602 ( b ) ; ( As Defined ) Moreover, the entities, parties, affiliates, and agencies failed to adhere to policies and laws as outlined in this statute with careful consideration for myself and what has happened with the misuse of my consumer reports recording and authorizing information to be pulled without subsequent notice, especially when my consumer reports have a notable fraud alert notice and in requirements states that all authorization needed to run my consumer reports requires authorization from me, the consumer in advance whether it be verbally or written. 15 USC 1681b ss 604 ( b ) ( 1-2 ) & 15 USC 1681b ss 604 ( c ) ( 1-3 ) ; ( Sustained ) There was no disclosure of the usage of information from any and all parties involved with the initial inquiry made on my consumer reports at any point during the time and peaks that credit checks were authorized without my consent. Notably, this is also in justification and in protection of other laws as mentioned in my explanation and where violations have been made thus far. 15 USC 1681q ss 619 ; ( Reserved ) Under the relations and laws as mentioned, it is showcases and implies that my information was obtained and used under false pretenses which violates my rights as a consumer notably and support my stake in my complaint. 15 USC 1681o ss 617 ; ( Reserved ) Supports and justifies position with ss 619, ]
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: 82009
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I sincerely urge you to remove this item from my credit report as it's not associated with me and is completely fraudulent. I kindly ask that you swiftly investigate and correct this inaccuracy on my credit history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have the right to make sure my private information isn't shared. " It is the policy of 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. The furnisher of information to credit agencies is a financial institution by definition under title 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher if information to credit agencies ) the financial institution and the consumer reporting agency/agents of XXXX, Experian & XXXX do not have my consent to furnish this information and surely do not have my written consent, whether is verbal, non-verbal, implied, or otherwise revoked. Any/all agents of XXXX, Experian & XXXX have been assuming the roles of holding my information without my permission while reporting inaccurate information and making money off my information. They have refused time and time again to investigate disputed information and failed to delete or correct incorrect information which violates federal law. After filing disputes with any/all agents of XXXX, Experian & XXXX XXXX they have made their own decision, on purpose, to drop my credit score either by the XXXX or XXXX points without notifying me, verifying, and completing a full investigation for inaccuracy. I have attempted to resolve this matter with any/all agents of XXXX, Experian & XXXX XXXX XX/XX/XXXX. They all have refused and continued to violate the following ; 15 U.S. Code 45 Privacy Act of 1974, Education Privacy Act of 1974 Fair Credit Reporting Act, 15 USC 1681, section 602 621 of the FCRA, 15 U.S.C. 1681s, 12 CFR 1022- Fair Credit Reporting Act 12 CFR 1016.4 16 CFR 433.2 15 USC 16802 ( b ) ( c ) 15 U.S. Code 1681e to avoid violations of section 1681c-15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S.C. 1681a ( f ). 15 USC 1681s-2 ( A ) ( 1 ) ( A ) 15 U.S. Code 1692e
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
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: AZ
Zip: 85255
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30224
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48207
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
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 XXXX XXXX has a negative account reporting on my credit report, per the XXXX XXXX XXXX XXXX is not authorized to report in the boundaries of my state of North Carolina and the documentation is attached as well as I have sent National credit systems a letter requesting debt validation back on XX/XX/2023 and they just like the credit agencies have failed to verify the method of verification of all disputes as requested as well as XXXX XXXX XXXX has failed to validate the debt. XXXX, XXXX and Experian are in violation of US USC 1681i ( 6 ) ( b ) ( iii ) and 15 usc 1681i ( 7 ) not providing the method of verification is a willful neglect of non-compliance of 15 USC 1681N. I have requested the method of verification several times from these agencies and they only reopen the investigation and send back a verified generic message. the companies have caused credit defamation by reporting thee inaccurate accounts and have failed to perform their due diligence to ensure they are reporting accurate information, had they performed their research they would of known national credit systems is not authorized in the state of NC to collect a debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Experian has furnished multiple hard inquiries to my credit without my express written consent ranging from the date of XX/XX/XXXX through XX/XX/XXXX. I don't recognize any of these inquiries and want them removed immediately from my reports. Enclosed is documentation from my XX/XX/XXXX Experian credit report showing the inquiries in question, circled in orange. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21771
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Experian Information Solutions , Inc. ( EXPERIAN ) regarding inaccurate information reported on my consumer report. This complaint is grounded in the violation of a crucial CFPB rule concerning human trafficking. The CFPB, under 12 CFR 1022.142, prohibits the inclusion of adverse information in consumer reporting for cases of XXXX XXXXXXXX XXXX XXXX is a severe federal crime, also known as XXXX XXXX XXXX XXXX XXXX XXXX, involving the unlawful trade of human beings against their will for commercial XXXX XXXX or forced labor. In my XXXX CFPB Complaint ID Number, I explicitly communicated to the Consumer Reporting Agencies ( CRAs ) that they lack my lawful consent to report the mentioned accounts, as indicated in the attached notices. Regrettably, the CRAs negligently failed to comply, disregarding my will and violating my human rights. Human rights, as outlined in Article 4 of the Declaration of Human Rights, prohibit slavery and servitude in all forms. The CRAs have, in effect, subjected XXXX XXXX to both direct and indirect XXXX and debt bondages. Attached are notarized documents supporting my notices EXPERIAN ( collectively the " CRA '' ) have willfully and negligently failed to comply with multiple disputes, and I am now demanding compensation for damages, encompassing intentional infliction of emotional distress, humiliation, defamation, and other related harm. I hereby reserve all rights to sue, applying this to Experian Information Solutions , Inc., their parent companies, subsidiaries, affiliates, divisions, contractors, and all data sources and suppliers collectively referred to as the CRAs. This complaint is effective immediately. All Rights Reserved. Sincerely, 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: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A