Date Received: 2024-01-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to file a complaint against XXXX for consistent violations of my privacy rights, as protected by the Privacy Act of 1974 and the Family Educational Rights and Privacy Act ( FERPA ). XXXX, identified as a financial institution, has engaged in unauthorized disclosure of my student loan information to consumer reporting agencies without my explicit consent. 1. Violations of Privacy Act of 1974 and Fair Credit Reporting Act ( FCRA ) XXXX, recognized as a financial institution, has reported negative information on my credit report without my authorization, contravening the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681 section 602a. This section emphasizes the importance of consumer reporting agencies, XXXX, XXXX, and Experian, discharging their responsibilities with fairness, impartiality, and due regard for consumer privacy. 2. Right to Control Information Disclosure ( 15 USC 6801 ) and Opting Out ( 15 USC 6802-6805 ) Pursuant to 15 USC 6801 , as the consumer, I retain the right to ensure that my private information is not disseminated without explicit consent. XXXX, as a financial institution, is subject to 15 USC 1681 section 604a section 2, which explicitly states that consumer reporting agencies, XXXX, XXXX, and Experian, may furnish a consumer report only in accordance with the written instructions of the consumer. Additionally, 15 USC 6802-6805 provides me with the right to opt out of reporting, allowing me to control the disclosure of my information. 3. Revocation of Consent and Non-Disclosure Option I hereby unequivocally revoke any and all consent previously granted to XXXX and XXXX, XXXX, and Experian. XXXX and the mentioned consumer reporting agencies neglected to inform me of my right to exercise the nondisclosure option, further exacerbating their non-compliance with relevant laws. In light of the aforementioned violations, I demand that any and all accounts listed as XXXX ' be promptly removed from my credit report. These demands are based on the following grounds : 1. Violations of Privacy Act of 1974 and FCRA : XXXX has reported negative information on my credit report without my authorization, a clear contravention of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974 ( 15 USC 1681 section 602a ). This unauthorized disclosure compromises the fairness, impartiality, and due regard for consumer privacy mandated by these acts. 2. Right to Control Information Disclosure ( 15 USC 6801 ) : As the consumer, I retain the right to ensure that my private information is not disseminated without explicit consent. XXXX, by failing to obtain my written consent for information disclosure, has violated my rights under 15 USC 1681 section 604a section 2. 3. Revocation of Consent and Non-Disclosure Option : I hereby revoke any and all consent previously granted to XXXX and the consumer reporting agencies ( XXXX, XXXX, Experian ). XXXX 's and the mentioned agencies ' neglect to inform me of my right to exercise the nondisclosure option further underscores their non-compliance with relevant laws. 4. Given the severity of these breaches and the legal violations involved, I insist on the immediate removal of any and all accounts associated with XXXX XXXX from my credit report. Failure to do so will be considered a continuation of the violations, without my consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34639
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19023
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 just looked at a copy of my credit report. It stated that the credit inquiry mentioned below was the source of the credit request. On the other hand, I did not authorize this inquiry. I'm sending this to dispute this inquiry and request that it be taken off my credit report as a result. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77494
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 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 XXXXXXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77072
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'm sending this complaint to inform credit bureaus that the listed company made an unauthorized inquiry on my credit report. I have listed the name of the company below, and the date the inquiry was made. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33016
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: This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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: WI
Zip: 537XX
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33881
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: Account status incorrect
Consumer Complaint: This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15212
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: Reporting company used your report improperly
Consumer Complaint: i reviewed my consumer reports and noticed i had a late payment on an account that 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. I have never been late on payments for the accounts that i have included in the screen shot in side this compliant in on the dates of XX/XX/2022 & XX/XX/2022. please investigate and provide proof with statements showing that these payments were late. if proof cant be provided i demand theses payments be updated to paid as agreed on time as they should due to the fact i was never late thanks! please see screen shots attached
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: 2024-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX FINGERHUT/WEBBANK 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: MD
Zip: 20852
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A