Date Received: 2024-01-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76119
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I have incorrect addresses on my experian, XXXX, and XXXX report that i have never been associated with i would like all of them removed from my credit report immediately due to FCRA all information must be true and accurate they are all listed Below 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: OH
Zip: 43211
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE ACCOUNT IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, ACCOUNT : XXXX XXXX XXXX XXXX XX/XX/year>
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33178
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
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 of 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: MD
Zip: 21075
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Subject : Urgent Resolution Request for Extended Dispute Timeline and Inconsistencies in Communication Dear CFPB, I am troubled to inform you that Experian has not adhered to the Fair Credit Reporting Act ( FCRA ) stipulated XXXX timeline for responding to disputes. Instead, I received a stall letter from Experian dated XX/XX/year>, well beyond the legally mandated timeframe. This extended delay is causing significant distress and hindering my ability to pursue important financial goals, such as purchasing a home. As a single mother striving to provide stability for my family, this delay has far-reaching consequences. Experian 's failure to respond within the XXXX timeframe mandated by federal law is a clear violation of the FCRA. If the inaccurately reported bankruptcy is not promptly deleted from my credit file, I will have no choice but to seek legal representation and pursue federal remedies for defamation of character. This action is impeding my ability to achieve homeownership, and I am prepared to take legal action to rectify this situation. My dispute, initiated on [ XX/XX/year> ], relates to BANKRUPTCY DOCKET # XXXX my credit report, specifically concerning [ SENDING ME EMAIL THAT SAY RESULTS ARE AVAILABLE ONLINE WHEN I GOT TO DISPUTES IN THE EXPERIAN XXXX XXXX STATES THE COMPLETE OPPOSITE THAT RESULTS ARE NOT AVAILABLE ]. I have encountered several issues that are causing undue stress and uncertainty in this process. Extended Dispute XXXX : Experian has consistently extended the dispute timeline beyond the initial 30 days, pushing it to 60 days without providing a clear explanation for the delay. This prolonged timeline is causing unnecessary hardship and anxiety. Inconsistencies in XXXX : I have received multiple emails from Experian notifying me that the results of my dispute are available online. However, upon logging into the Experian portal, the system indicates that the results are not available online. This inconsistency in communication is both confusing and disconcerting. I understand that resolving disputes can be complex, but the repeated extensions and conflicting messages have eroded my confidence in the dispute resolution process. I am writing to request an urgent and transparent resolution to this matter. : Urgent Request for Resolution and Warning of Legal Action I am troubled to inform you that Experian has surpassed the XXXX timeline stipulated by the Fair Credit Reporting Act ( FCRA ) for responding to disputes. This extended delay is causing significant distress and hindering my ability to pursue important financial goals, such as purchasing a home. As a single mother striving to provide stability for my family, this delay has far-reaching consequences. XXXX has taken prompt action by removing the same bankruptcy record from my credit file last month. It is essential that Experian follows suit, especially considering the evidence provided by the courts that they did not furnish or validate this information with the credit bureau. XXXX XXXX Required : I request that Experian immediately concludes the dispute process and removes the inaccurately reported bankruptcy from my credit file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given the opportunity to agree or rescind this information be reported to a credit reporting agencies ; nor was I given the opportunity to deny. Again, I have the right to privacy, and what goes on my credit report. Please update all information to reflect paid as agreed and refrain from any such actions in the future.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33030
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I've never faltered in my commitment to timely payments. 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: GA
Zip: 30260
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : Inquiry from 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 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 XXXX XXXX XXXXXX/XX/XXXX, I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Please reinvestigate these matters and delete or correct the disputed information as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to express my deep concern and dissatisfaction regarding the recent unauthorized reporting of my personal information and transactional history by your agency. This correspondence aims to bring to your attention the serious legal implications associated with this unwarranted intrusion into my financial privacy. It has come to my attention that your agency has reported information related to my credit history, including details of late payments ( 30, 60, 90, 120, and 150 days late ), charged-off status, hard inquiries, and false aliases that do not accurately match my credentials. The information in question includes my name, phone number, residential address, and purported employment. '' I must emphasize that no prior written consent has been obtained from either myself or a judge, rendering this act a blatant violation of my rights to privacy. Furthermore, this unauthorized reporting is in direct contravention of Consumer Financial Protection Bureau ( CFPB ) guidelines, as well as various other laws pertaining to fraud, defamation of character, and identity theft. This egregious breach of confidentiality not only jeopardizes my financial standing but also exposes me to potential harm and damages. As a consumer, I am entitled to the utmost protection of my personal and financial information, and your agency 's actions have fallen egregiously short of meeting these standards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11355
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A