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 XXXX, please be advised that you are attempting to collect on an expired debt. I am invoking my right to cease you, based on factual law that this debt in question is legally expired under the Statute of Limitations. The statute of limitations in the state of Texas is 4 years. This account was opened in XXXX XXXX XXXX. This account and debt should have been ceased as of XXXX XXXX XXXX. Accordingly, I am requesting that you do not attempt to collect this expired debt, and should you seek legal recourse I will invoke my right of the expired statute as a valid defense. Additionally, any attempts to harm my credit rating by updating or changing dates after you have been informed that the debt is expired, are a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me. I am aware of how long items may remain on my credit reports and any attempt to extend the reporting time will be investigated by me and reported to the XXXX XXXX XXXX and my State Attorney General. I am completely aware of how long the debt is legally collectable and how long it is legally reportable. I realize a debt is allowed to be reported to my credit for 7 years, and my research has shown me that often a collection agency will reset the date of original charge off to the date they purchased it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I noticed that the date of last payment and date last active says XXXX, which is incorrect, and I have all documents to prove otherwise. The account is due to be removed from my credit report in XXXX. I am informing you of this knowledge so that you XXXX do the right thing. I have no intention of renewing the expired statute of limitations, and I expect the following account to be deleted from my credit report within 7 days : 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: TX
Zip: 761XX
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I recently checked my credit report & saw accounts reporting that I do not recognize.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89106
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: I have a XXXX account that is through XXXXXXXX XXXX XXXX company. There was a balance on my account that I reported as fraud ( identity theft ) for a purchase that I did not make. I contacted the company ( XXXX ) and also XXXX. They said they would look into it for me. XXXX determined I did not make the purchase because I've always paid for whatever I ordered through them in a timely manner and my account balance is XXXX. XXXX shows on my Experian report as saying the charge was accurate ( which is not true ) and they have refused to delete the charge which is killing my credit score. I have uploaded my XXXX account to them but I do not trust them anymore. I have been a victim of identity theft in the past and it's not good and it's really hard to recover from that. I've been working so hard to get my credit back up and I try to make all my payments on time and pay things off as quickly as I can. I want my credit report score to be back over XXXX which it was prior to this fraudulent charge showing up on my name. XXXX is not doing a diligent job of accurately finding out what happened. I have not been given any proof that I made a purchase and have not seen a product for the price. I did not purchase any type of Internet service from XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: XXXXX
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: 2024-01-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I pulled my credit report and notice inaccurate information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89106
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: Account status incorrect
Consumer Complaint: XXXX XXXX put me on a payment plan option to help make payments without late fees. I made 3 payments between XXXX and XXXX. They reported me as 30 days past due.
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: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
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: Company incorrectly reported account 30 days past due in XX/XX/. My account was in forbearance. I submitted a request for correction along with proof my account was in forbearance, and the little snakes are claiming it was past due. Another agent I spoke with said it didn't matter, once they make a report they won't correct it, even though my account wasn't past due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 018XX
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear Sir/Maam I am writing to formally request the removal of my credit account information from your records, in accordance with permissible purposes as outlined in relevant privacy regulations. *XXXX XXXX XXXX XXXX Permissible Purpose Justification : I am invoking my right to request the removal of my credit account information based on permissible purposes, as provided for in [ relevant privacy regulation or law, e.g., Fair Credit Reporting Act ( FCRA ) ]. The grounds for this request are [ briefly describe the specific permissible purpose, such as the closure of the account, completion of the credit reporting purpose, or other relevant justification ]. Please find attached any necessary identification or documentation to facilitate the efficient processing of this request. I anticipate that the removal of my credit account information will be completed within the timeframe specified by the applicable regulations. I appreciate your prompt attention to this matter and trust that the removal of my credit account information will be conducted in accordance with the relevant privacy laws.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
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: 2024-01-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have an inaccurate account on my credit report and i used the experian credit agency to right the wrong and provide me with proof of said account or have it removed and neither was done. Please provide me with all proof of accounts. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32609
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: My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07108
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: ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 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 of 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: CA
Zip: 92054
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A