Date Received: 2024-01-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance to the Fair Credit Reporting XXXX XXXX Account # XXXX balance {$640.00}, XXXX XXXX # XXXX Balance {$170.00}, XXXX XXXX XXXX Balance {$7600.00}, XXXX XXXX XXXXXXXX XXXX XXXX # Balance {$4000.00} XXXX XXXX # XXXXBalance {$3500.00} XXXXXXXX XXXX XXXX XXXX Balance {$11000.00} has violated my rights. XXXX - XXXXXXXX XXXX XXXX XXXX Balance {$5500.00} XXXX XXXX XXXX Balance {$8200.00} 15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. I told Experian, XXXX, and XXXX to reinvestigate the above listed accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. According to 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: CA
Zip: 90620
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: Dear CFPB Agency, It's quite a funny and frustrating experience that I have with the consumer reporting agencies ( XXXX, Experian XXXX XXXX ), because when I first reported these inaccurate accounts to them, the three ( 3 ) of them bureaus have different reports and definitions of each account. The other one will declare that the account is current and the other will declare it Late or Missed payments. I disputed their reports because I did not remember having that account in the past and now, XXXX has changed their information to XXXX XXXX, from being current in XXXX switching to Late status in XXXX. If they claimed that they're reporting accuracy on my files, why do they have to switch and change information after I provided them the corrections and disputed the item? They seemed not to be communicating with one another and not getting the correct information to one creditor, because they are reportingdifferent information. There also reported Collection accounts that I did not remember acquiring such alleged debts. They can't even validate the accuracy of it. I have never signed to this company either. So, I'm pondering on how they obtained this data and where did they get this. Sometimes I'm receiving notification that someone has run an inquiry on my account without my approval. This unfair practice makes me feel frustrated and upset. please help me delete these inaccuracies they are reporting. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19122
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: Personal information incorrect
Consumer Complaint: i needed a loan and just applied for one, unfortunately it was denied from the bank. so i pulled my credit report to see if i could see what the problem was. i noticed a lot of items in my report were not correct, but somehow ended up o my report this doesn't make sense to me as they aren't accurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 322XX
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: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Morning of Thursday, XX/XX/2024 I entered web domain XXXX entered family surname credentials access number, and entered the web portal containing profile information for checking account to notice a name error attached to family surname that is incorrect.I am writing to correct name error attached to family name on checking account. The initials displayed are incorrect! The intials displayed are XXXX. where as my family gave me intials XXXX for banking credit purposes, such as acquiring a fire-arm and the full name is hidden which would be a denial of a fire-arm. I own a XXXX XXXX XXXX XXXX XXXX XXXX that is attached to propper initials as a XXXX XXXX XXXXXXXX This complaint is for a more clear solution to an issue addressed without a response as of this morning.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89183
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: The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75243
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The company has reported that there was a missed payment for the month of XXXX. But the due date for payments on the account is XX/XX/XXXX. It is XX/XX/XXXX and there is even a payment scheduled for XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33712
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: Investigation took more than 30 days
Consumer Complaint: I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 894XX
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: Unable to get your credit report or credit score
Subissue: Problem getting your free annual credit report
Consumer Complaint: I understand that it is my right to obtain a copy of my rental report, under the Fair Credit Reporting Act. I am requesting a copy of my Experian RentBureau report sent to me via mail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77014
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S Code 1681e ( b ) Compliance procedures maximum possible accuracy. To Experian Recently I did an investigation on my credit report which caused my XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under U.S Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I Know that Under 15 U.U Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within XXXX days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter 1. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 2. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 3. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 4. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 5. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 6. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX BXXXX XXXX XXXX, VA XXXX XX/XX/2019 Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 201XX
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: This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75243
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A