Date Received: 2024-01-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Great evening, Seeking assistance regarding removing all addresses, phone numbers, charge offs, closed accounts. Ive attempted prior by mail and this portal, yet the 30 days has just occurred, and the bureaus have yet to respond. Would be greatly appreciated upon satisfaction results. Please see attachments. Thanks in advance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33463
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 have recently examined my consumer report and observed several instances of late payments on an account for which I have never been overdue. Consumer reporting agencies play a crucial role and are obligated to accurately report consumer information to the best of their ability. I have consistently made on-time payments for the account XXXX XXXX with the account numbers XXXX and XXXX. I request a thorough investigation into this matter and urge you to furnish evidence, such as statements, demonstrating the alleged late payments. If substantiating proof can not be provided, I insist that these payments be corrected to reflect their accurate status as 'on time, ' as I have ALWAYS maintained timely payments. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10467
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to convey my deep distress and growing frustration regarding the persistent denial of my identity theft claim by your bureau, despite diligently following the steps and procedures you have instructed. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity theft is a crime that wreaks havoc on the lives of its victims. It not only jeopardizes financial security but also causes immense emotional distress. To have my identity theft claims repeatedly denied, despite my compliance with your requirements, adds an extra layer of anguish to an already difficult situation. I want to remind your bureau that the processes you have established are meant to protect consumers like me from the devastating consequences of identity theft. Continuously refusing to acknowledge my claim contradicts the very purpose of these processes. I implore your bureau to recognize the urgency of this matter and the severe emotional distress it has caused. I have followed your instructions diligently and have submitted all necessary documentation. I have a right to a thorough and fair investigation of my identity theft claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08701
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'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 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: FL
Zip: 33024
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to formally dispute and request the removal of inaccurate information on my credit report pertaining to late payments. I insist that these accounts be updated to accurately reflect the payments made and that any negative information be rectified accordingly. The late payments in question are as follows : 1. Creditor Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Inaccuracy : XXXX XXXX XXXX XXXX I want to bring to your attention that the payments for the mentioned accounts were made in a timely manner, and there is no basis for the reported late payments. I request that you investigate and update the information to accurately reflect that the payments were made on time. Furthermore, there is no remaining balance on these accounts that would suggest a missed payment. I have diligently met my financial obligations, and it is crucial that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11219
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I hope this letter finds you well. I am writing to bring to your immediate attention the presence of fraudulent accounts on my credit report. I recently obtained a copy of my credit report from your agency and was shocked to discover inaccurate and unauthorized information that is severely impacting my creditworthiness. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. Upon thorough examination, I have identified the following fraudulent accounts : 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 I categorically deny any association with the aforementioned accounts, and I request an immediate and aggressive investigation into the matter. I understand that the Fair Credit Reporting Act ( FCRA ) mandates the timely correction of inaccuracies on consumer credit reports, and I expect your bureau to adhere to these regulations with utmost urgency. I am fully aware of my rights as a consumer, and I am prepared to take further legal action if my concerns are not addressed promptly. Please treat this matter with the utmost urgency to prevent any further damage to my creditworthiness.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08701
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: 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. 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.
Company Response:
State: TX
Zip: 78043
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: In progress
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a XXXX XXXX XXXXXXXX XXXX XXXX and back in XXXX of 2022 I bought a table set for XXXX XXXX It was still during the heart of the pandemic and we all were trying to slowly build our life back up to normal. I had 1 payment that I missed due to the covid crisis as I was struggling to save money and keep my job. I didn't sent in 1 minimum due payment and I got a late payment on my credit report. I only saw that few days ago when i pulled my credit report. I paid the {$400.00} after back in XXXX of 2022 when i was able to borrow some money but I didn't not know I had a bad mark on my report. Now I am having a hard time due to the late payment showing on my report getting a loan. I ask you please take that negative mark off as I did pay it fully and I don't have any other bad marks on my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19006
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: The accounts listed below are not mine and could not be mine because I was incarcerated on the dates they were open in prison. I have shared this with all 3 bureaus and sent proof of everything and asked them under 15 U.S. Code 1681c2 that the items be taken off and they only removed one and never responded about the others. So I asked them under 15 U.S. Code 1681d to prove they are mine which I know they cant because they are not and was never responded to. The accounts are XXXX XXXX XXXX Opened XXXX {$130.00} XXXX Opened XXXX {$580.00} XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX And the following inquiries XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX My Identity Theft Report reference number is XXXX and my police report number is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32209
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 am writing to express my frustration and disappointment regarding the numerous attempts and disputes I have made to remove a charge-off from my credit report. Despite multiple efforts to address this matter, the inaccurate entry persists, adversely affecting my creditworthiness and financial standing. I have diligently followed the dispute process by submitting multiple requests for correction through your online dispute resolution system. Additionally, I have provided supporting documentation, including proof of resolution or any agreements made with the creditor. Despite these persistent efforts, the charge-off remains on my credit report, causing potential harm to my XXXX XXXX and overall financial health. I am formally requesting a thorough investigation into the charge-off mentioned above and the immediate removal of this inaccurate entry from my credit report. It is crucial that my credit report accurately reflects my financial history. Enclosed with this letter are copies of the supporting documents previously submitted, including proof of resolution and any correspondence with the creditor. I trust that this information will assist in the swift resolution of this matter. I kindly request a written response detailing the results of your investigation, the actions taken to correct the inaccuracies, and an updated version of my credit report reflecting the accurate account information. I am asking for your assistance to remove charge of account in my credit file : XXXX XXXX XXXX XXXX Balance : {$7700.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
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 explanation
Timely Response: Yes
Consumer Disputed: N/A