Date Received: 2024-01-10
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 a victim of identity theft through XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have recently learned that my personal information was used and compromised in several different ways. I did not authorize charges and or information given to financial institutions and credit card issuers. I have submitted an FTC report and Documents showing my information was breeched. I have also requested the original document used to confirm this debt, original contact with my signature. I have not been provided with any documents that I have requested. XXXX XXXX XXXX XXXXXXXX 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: PA
Zip: 15235
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2024, I submitted a letter to Experian declaring that they had violated my federally protected consumer rights on multiple occasions by publicly disclosing my personal information regarding multiple accounts to my credit report without my written instruction. Both 5 U.S.C. 552a ( b ) and 15 USC 1681b ( a ) ( 2 ) clearly state that a credit reporting agency may only furnish and report personal information to a credit report with the written instruction of the individual as to whom the report relates. Experian has yet to take any action on the removal of these accounts from being publicly disclosed. It is Experians duty to abide by the laws that allow for consumers rights to be protected, however they are NOT. The public disclosure of my personal information is damaging my reputation and causing me unnecessary emotional and mental stress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92064
Submitted Via: Web
Date Sent: 2024-01-10
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: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft please remove this fraud inquiry from my credit report.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: In progress
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation XXXX Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43219
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Withholding of documentation, misinformation, untimely responses, negative credit reporting : All during time working with XXXX. Unclear about status of mortgage. For example, even today my loan account has been current since XXXX and is still in Loss Mitigation. The reason for this is still unknown. XXXX XXXX is my second mortgage and first is XXXX XXXX XXXX. While working with XXXX for same time period, my primary mortgage ( XXXX ) was responsive, clear, ethical and did not submit negative reports to the credit bureau. However, XXXX failed to respond appropriately or timely to XXXX requests for documentation causing significant funding delays, communication throughout was poor and misleading. Loss Mitigation representatives were either unclear about procedures when working with XXXX and in loan mitigation or were intentionally misleading. Negative reporting has ruined credit that was 800+. Below is most recent correspondence outlining issues. This is second time I am asking for escalation. First time they only corrected some of the negative reporting. XX/XX/XXXX To whom it may concern, Prior to the XXXX pandemic my credit was fully in tact and now it is seriously damaged and affecting my ability to move forward with my personal economic recovery. For these reasons, I am again kindly requesting that the negative reporting to the credit bureaus be corrected as I had been consistently working with XXXX since ( on or about ) XXXX, XXXX. I was also in forbearance with XXXX since XX/XX/XXXX and notified XXXX numerous time that my application for XXXX funding was approved. I even uploaded a copy of the approval to the portal link provided by XXXX of the customer service representatives. The specific periods reported as negative are as follows : XXXX : XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Throughout the periods above I kept in contact with XXXX loss mitigation and was advised that as long as I was working with XXXX any negative credit reporting would be corrected at the time the account became current and not to worry. While corrections for other months were issued the negative marks for the periods stated above remain. I took the information provided to me by XXXX to be true as my primary mortgage holder, XXXX XXXX XXXX, advised me of the same exact thing during the same period and my account with them is current with no history of negative credit reporting. Also, with specific reference to the XXXX and XXXX, XXXX, payments due to XXXX, when I called XXXX in XXXX to inquire about XXXX payments being applied and going forward. I was told that the XXXX payments took a while to apply and once fully applied the amount would likely carry me through XXXX of XXXX ; however, I could make a couple of payment just in case which is what I did in XXXX and XXXX. I thought if anything, I was 2 months ahead. To my understanding this meant that once all XXXX funds were applied I would probably be paid up through the end of XXXX. Since I no longer had access to my online account because I remained in mitigation, each time I wanted to make a payment I had to call XXXX Loss Mitigation. Every time I spoke to a customer service representative I was told my account was still in the process of being updated. In XXXX I was told that XXXX was definitely in receipt of the XXXX money and to give it another 30 days or so for my account to be fully adjusted and out of loss mitigation. On XX/XX/XXXX, I was surprised to receive a call from XXXX that my XXXX and XXXX payments were overdue. I asked her what had happened and she confirmed that while my loan was still in loss mitigation and under review, her computer showed that I missed payments for XXXX and XXXX. Since I did not want any further issues I paid {$2800.00} to bring my account current. As I stated before I have had no access to my online account. During the period I was working with HAF whenever I called with a bill in hand, I was told to disregard the bill because it was not accurate. For example, because I was working with XXXX things like late charges would need to be reversed/fixed and the account wouldnt be correct until all funds were fully applied. I had no way of knowing where I stood and communication was seriously flawed. Even today my loan has been current since XXXX and I am still in Loss Mitigation. How could I not be confused? In conclusion, I worked hard for many years to earn a very high credit score. Therefore, I am pleading one last time with XXXX XXXX XXXX to restore my credit by reversing the negative reporting for the time period ( XXXX ) noted above. Thank you in advance for your help. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: my privacy is being violated and this company is not complying to my request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30342
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My credit report shows that there is a bankruptcy which was furnished without my knowledge or consent. I have in return received multiple adverse actions due to all credit reporting agencies. It has affected my family, my lifestyle and most of all has caused so much public humiliation. I have reached out to all credit reporting agencies and each and every single one of them denied the request to remove. You have already caused unreputable damage. Remove the Bankruptcy immediately I want all charge off accounts updated to PAID AS AGREED And all hard/negative inquires REMOVED COMPLETELY You have reported over 25 transactions through negatively reporting my non public personal payment history. I also reached out to U.S. Bankruptcy Court Utah District who also says they are not affiliate with ANY credit reporting agency. 15 USC 1681g ( a ) ( 5 ) a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Per 15 U.S. Code 1681n ( b ) - Civil liability for willful noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/1977 from requirements of 433.2 ( a ). 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6809 ( 5 ) 15 U.S. Code 1681a ( q ) ( 3 ) Identity theft The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84044
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX To Whom It May Concern, Dear, Dear, Experian, / XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : [ dispute_item_and_explanation ] XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : Comments : Contact Info : XXXXXXXX XXXX XXXX - Debt Buyer XX/XX/XXXX Collection account. {$2300.00} past due as of XXXX XXXX XX/XX/XXXX {$2300.00} XX/XX/XXXX 0 % {$2300.00} {$2300.00} 1 Month Individual XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : Comments : Contact Info : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - Debt Buyer XX/XX/XXXX XXXX account. {$920.00} past due as of XXXX XXXX XX/XX/XXXX {$920.00} XX/XX/XXXX 0 % {$920.00} {$920.00} 1 Month Individual XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Balance Balance Updated Last Payment Date Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : Comments : Contact Info : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Utility XX/XX/XXXX Closed Collection account. {$95.00} past due as of XXXX XXXX XX/XX/XXXX {$95.00} XX/XX/XXXX XX/XX/XXXX {$95.00} - 1 Month Individual XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Comments : Credit card XX/XX/XXXX Closed Account charged off. {$760.00} written off. {$760.00} past due as of XXXX XXXX XXXX XXXX 127 % {$760.00} XX/XX/XXXX {$600.00} {$760.00} {$760.00} Individual XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Credit card XX/XX/XXXX Closed Account charged off. {$600.00} written off. {$600.00} past due as of XXXX XXXX XXXX XXXX 120 % {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} {$600.00} {$610.00} Individual
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07094
Submitted Via: Web
Date Sent: 2024-01-10
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: Personal information incorrect
Consumer Complaint: I have never lived at XXXX XXXX XXXX XXXX, XXXX, IL XXXX, and it has come to my attention that Experian is XXXX including this address in my credit report. I would like to bring this matter to your attention and request that appropriate action be taken to rectify this situation promptly. As per the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( C ), credit reporting agencies such as Experian are prohibited from reporting information that the consumer has informed them to be inaccurate. I have not resided at the address mentioned above, and it is imperative that Experian corrects this error immediately. I kindly request the Consumer Financial Protection Bureau 's intervention in ensuring that Experian complies with the FCRA and removes the inaccurate information from my credit report. This correction is essential to maintaining the accuracy and integrity of my credit history. Enclosed with this complaint, please find proof of my correct address, to assist in the resolution of this matter. I appreciate your attention to this issue and look forward to a swift and satisfactory resolution. Thank you for your prompt assistance in rectifying this matter. DO NOT RESPOND WITH ANOTHER XXXX WORD LIE!!! YOU PREVIOUSLY RESPONDED AND STATED THAT THE ISSUE WAS RESOLVED/REMOVED AND I HAVE PROOF THAT YOU DIDN'T!!! MY CURRENT CREDIT REPORT STILL HAS THE WRONG ADDRESS ON IT!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60607
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
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. 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 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: 33056
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A