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: This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06705
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 following student loan accounts were disputed for reporting inaccurately 90 day late payment for XX/XX/XXXX with Experian, XXXX and XXXX in XX/XX/XXXX. All XXXX accounts were investigated, corrected and reporting pays as agreed/never late account status on these student loans. On XXXX XXXX I received credit report alerts and email from Experian stating that " my reinvestigation request '' was complete, and that the accounts were added back to my consumer report and reporting the 90 days late XXXX called all XXXX credit agencies to have accounts corrected and updated once again. I explained that the accounts had been previously disputed and updated and that I, in fact, DID NOT request a reinvestigation as the email stated, nor was the information correct. I called the student loan servicer, XXXX, as well as logged into the portal to request the account history and to obtain any additional documentation that I could present to the credit agencies so that this can deleted from my consumer report immediately. The student loan servicer stated that they do not show the negative accounts being reported and my accounts were transferred to them in XXXX, and no negative account status reporting on their end ; nor do they show the accounts numbers that Experian reports on my consumer report. Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$3900.00} 90 days late XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$5100.00} 90 days late XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$4800.00} 90 days late XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$7800.00} 90 days late XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$1500.00} 90 days late XX/XX/XXXX I also declined the offer to put a security lock and statement of fraud alert on my consumer report. I was given a confirmation Number from XXXX and that this fraud alert statement and lock would be removed from all XXXX credit bureaus on XX/XX/XXXX, but it was not removed and still reporting on my consumer report. Numerous calls, reports and FTC report and letters to XXXX to remove unknown and unauthorized inquiries from report. They continue to state that they have not received reports, etc. Keeps providing different mailing addresses to send disputes and documents, then when i call to follow up, a different agent gives me different information. This has went on since XX/XX/XXXX. XXXX is reporting inaccurate information and only XXXX account showing on the online portal, my credit score is showing over XXXX point difference due to inaccuracy and also has been reported to an entity that my score was much lower than the score I paid online to obtain ( which was still incorrect ). I can not access my credit file from XXXX XXXX and constantly being told that I have to wait for my credit report and score to come via mail for accuracy ... .in which I never receive the score and the credit report is still inaccurate after waiting over XXXX week to receive each report via mail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39157
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: Information belongs to someone else
Consumer Complaint: I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77042
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: Information belongs to someone else
Consumer Complaint: I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07307
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: Was not notified of investigation status or results
Consumer Complaint: To whom it may concern, after going over my credit reports I found several issues. I have listed them below and asked that you please help me remove these inaccurate accounts. I have included my ID and social and an FTC report. Account name : XXXX XXXX XXXX XXXX Account number : XXXX Amount : {$25000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33056
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've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : 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: 24017
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: Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15001
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'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: 15001
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: This is XXXX 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: 15001
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX, XXXX XXXX unit XXXX 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 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 has violated my rights. 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. CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU XXXX DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). ANOTHER METHOD PEOPLE DO IS JUST FILE AN FTC REPORT WITH ALL THE ACCOUNTS LISTED
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A