Date Received: 2024-01-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Im begging you please remove this to the credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98122
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33411
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX I opened a credit card with XXXX. The card was almost immediately stolen and maxed out with fraudulent charges. It was initially removed from my account, and then was subsequently re-added. The reason I was given was that I didn't have enough history with XXXX to show that the activity was irregular, so I was going to have to prove it. After a lengthy appeal process, I eventually used time stamped transactions from my bank and timecard data from work to prove that I could not possibly have made the XXXX transactions in question. My bank statements/timecards showed that I was in XXXX, XXXX at the time of the fraudulent charges, which took place in New Jersey at locations I could not possibly have been at. I even included maps with estimated travel time between the locations in question. XXXX ruled in my favor in XXXX of XXXX, and I subsequently closed the account. During the appeal process, I did not pay the outstanding fraudulent bill, because I was living paycheck-to-paycheck in XXXX XXXX XXXXXXXX at XXXX XXXX XXXX and could not afford to pay hundreds of dollars for fraud. Throughout that process, I confirmed repeatedly with XXXX that, should it be ruled in my favor, all of the late activity on my account would be erased. They assured me it would be. After it was settled, I again confirmed this with them. They again told me all record of the charges and late balances would be completely removed from my account history and updated with the reporting agencies. I accepted this answer, not thinking there was any reason for it not to be true. In the ensuing years, I went on thinking that XXXX had accurately updated my account. I spoke with them a couple of times since then, but I am not sure exactly when. Every time I have spoken to them since the fraud dispute, they have assured me there is no late activity on my account. It wasn't until recently, when I began considering home ownership and began closely monitoring my credit, that I noticed XXXX had failed to make this update. I am not exactly sure when I became aware of this, but I began again taking action about it in XX/XX/XXXX. I believe on XX/XX/XXXX I spoke with someone at XXXX who once again assured me that this would be fixed. She looked at the account, confirmed that somehow they had failed to originally send the update to the reporting agencies, and told me she would fix it. She said that she sent a new update, and that it might take up to a week to process, and 30 days to show up in credit reports. I asked for it to be expedited if possible, but she was not able. A supervisor later told me in a different conversation that the update she promised was sent out to the credit reporting agencies was sent out on XX/XX/XXXX. The 30 day window passed, and the only agency that seemed to have updated my account information was XXXX. XXXX shows me as having XXXX late payment history and a score of XXXX. Experian, for example, still shows me as having major delinquencies from the XXXX account closed in XXXX, and a score of XXXX. I filed disputes with Experian in XX/XX/XXXX, and they told me conflicting stories about this. XXXX representative at Experian told me that they never received an update from XXXX, or a response to my dispute. A supervisor told me on XX/XX/XXXX that XXXX " confirmed my account was up to date '', and nothing has changed for Experian. After I repeatedly asked to escalate this on a recorded line in which I told the full story, tried to be patient, and used no abusive language, the supervisor told me all they could do was file another dispute, a process that had already failed, and eventually hung up on me after I asked their name. I had a similar experience with a XXXX supervisor earlier in XXXX, although that person did not hang up on me. He again confirmed that XXXX shows no late activity on my account, claimed that bureaus had been accurately updated, and refused to do anything else. As of today, XX/XX/XXXX, both XXXX and Experian claim that they have done everything they can or are willing to do, and my credit is still being inaccurately reported. I have said repeatedly that I believe this matter could be quickly resolved with a direct phone call or email between the companies, but they refuse to do anything outside of their typical dispute process, and I am powerless to get the results I need. XXXX is also inaccurately showing my information, and I have also filed a dispute with them to no avail, but I haven't had as lengthy of customer service contact with them. I seem to be out of options, and then someone told me about CFPB. I do not have any supporting documentation from my ongoing issues with these organizations, as it has happened almost entirely over the phone, but they have all assured me that it is all reflected in my account history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 026XX
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: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I wrote Experian a dispute lettter and they are refusing to re investigate the disputed information. They were provided with the proper proof of Identity, so there was no cause to send me an email asking to verify myself again. Experian is refusing to abide by the law. Below is the attached email stating their frivolous stall tactics. I hereby am putting them on notice to arbitrate if they do not resolve my dispute. They are 2 abide by metro 2 compliance which they are not even abiding by. This is illegal and against the law to refuse to re investigate my dispute. They have 5 days to remove the information off of my report. I have the right to hire a 3rd party if choose to. There is no law stating I can not hire a 3rd party or lawyer to repair my credit. Your letter is a stall tactic and its computer generated and you are breaking the law by refusing to investigate my disputed information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92201
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: It's impossible to close a complaint while working on the complaint but those fraudulent company dose ot everyday
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65202
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 inquiry was made by the creditor without my consent
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60506
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 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: TN
Zip: 38016
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77077
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: Investigation took more than 30 days
Consumer Complaint: On XX/XX/year> you received my dispute regarding some transactions and late payments that you and Experian furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you Experian stating that the account was verified!!! I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment? Further more lets take a look at 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that you have adopted designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date. The only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Furthermore this process must be certified by an agent that the information 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 non-monetary relief
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: Hello I pulled my credit report on XXXX XXXX I have numerus number of unauthorized inquires on my report. I did not authorize these inquires below that are reporting on my Experian credit report : XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXXXXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXXXXXX XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX on XX/XX/XXXX Also I have numerus number of unauthorized inquires on my XXXX report. I did not authorize these inquires below that are reporting on my XXXX credit report : XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XX/XX/XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX on XXXX XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX on XX/XX/XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 436XX
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A