Date Received: 2024-01-10
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: For years scammers have mess up my credit accont.they even clean out my bank account and open accounts in my name.i have written & call the credit Bureas for help but they refuse to help me.so me trying to get a home for me and my family seems impossible.becuse the Bureas refuse to help me plus i had XXXX ( 4 ) times.i was told to sue them but am asking for help one more time
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33023
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: XXXX doesnt belong to me XXXX XXXX doesnt belong to me XXXX XXXX doesnt belong to me XXXX doesnt belong to me XXXX I was XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30014
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: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Someone opened a credit card I my name with XXXX. I only found out because I started receiving collection calls and mail from the collection agency. This is not my account and I need help getting the collection canceled and the card taken out of my name. I do not owe this money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80123
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Although I appreciate your efforts to correct certain errors in my credit reports, one account still has to be fixed. The Experian and XXXX Credit Bureaus are required to verify this account ( A ) by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). This disputed account has to be corrected. XXXX XXXX XXXX Balance : {$0.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94087
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: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60637
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: 2024-01-09
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, I would like to file a complaint agent XXXX, Experian and XXXX for violation of my consumer rights. These agencies are violating my rights under the Privacy Act of XX/XX/1974, XXXX, and other laws that protect my consumer rights. Im being violated on purpose! Per the FCRA as a federally protected consumer I have requested to opt out any and all authorizations that may have been given either verbal or non-verbal written or otherwise expressed per 15 USC 6802, Obligations with respect to disclosures of personal information. this Title it is outlined that a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information. These companies listed in this letter state they do not disclose information to third parties of which they wrongfully lied and have violated my rights as a consumer. The proof is the information found in my consumer credit reports. 15 USC 1681 ( 2 ) states, In accordance with the written instructions of the consumer to whom it relates. The consumer reporting agency must have my written consent. I have never provided them written consent and when I requested they produce this information it was not furnished as it was never given. This is no my third attempt seeking remedy and enforcement of my consumer rights. I have reported to all the agencies my correct information including verifying my identify, and unfortunately they still are reporting inaccurate information. The only address is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX TX XXXX. All other addresses listed are non-mailable addresses. These agencies and companies are also violating my consumer rights protected under the FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) in which the federal law protects the privacy of my student education records. This is also in accordance to violations of my rights under 15 USC 1666 ( a ) and ( b ) Regulation of credit reports and Timing of payments. Under these section it states that a creditor can not directly or indirectly threaten to report or take any adverse action, it also states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These agencies have also failed to safety secure my personal information. Each agency has confirmed that my information was subjected to theft due to their data breach within their systems. They failed to protect PI and have yet to offer a remedy. Im requesting that my credit report be reflected correctly within all Agencies and again be investigated thoroughly and correctly. A. Address as mentioned above is the only mailable address. The addresses below are not mailable Not Mailable address that are inaccurately reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Dept of ED/XXXX this reporting is a violation of the FERPA ACT and Privacy Act of 1974 This should be updated as paid as agreed. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXIn violation of 15 USC 1681 ( 2 ) and the Privacy Act and 15 USC 1666 ( a ) and ( b ) D. Hard Inquiries- There are 4 inquiries on my report of which should not be there and are unauthorized. I did not acquire any goods, services or property from these companies E. Incorrect Names are not removed from the credit report despite sending my verifying information. a. The following names should be removed as my Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer name is incorrect, the correct name is i. XXXX XXXX XXXX. XXXX XXXX XXXX is wrong XXXX. XXXX XXXX is wrong, I did not approve of this and dont recognize this information its inaccurate. G. Dispute for XXXX XXXX XXXX they say they disagree yet are willfully violating my consumer rights. The Agencies did not due their full due diligence to hold them or themselves accountable under the investigation. They are in violation of Privacy Act and 15 USC 1666 ( a ) and ( b ) XXXX XXXX should be paid as agreed Please see attached report as they are reporting violating my consumer rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76063
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX Balance : {$6500.00} ; XXXX XXXXXXXX Balance : {$4300.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXXXXXX Balance : {$0.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33162
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Here is the account that is not reporting accurately : ( XXXX XXXX XXXX account number XXXX ), XXXX XXXX reported a late payment in XX/XX/2022. Please correct this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii, and 15 USC 1681e ( b ). I have proof that i paid my account on time XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX 2022 for the amount of {$400.00}. I will include my bank statements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19152
Submitted Via: Web
Date Sent: 2024-01-09
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 is missing that should be on the report
Consumer Complaint: today was my third attempt to resolve this issue XX/XX/2024 I signed up for a class action and XXXX XXXX took it upon themselves to change my mailing address to the lawfirm that represents this classaction I never gave them ( XXXXXXXX XXXX ) permission or the Law firm XXXX XXXX XXXX XXXX ) permission to make these changes. I called the law firm also by XXXX their information they have no reason to change my address nor was this requesred by this firm as well as myself. Now i have this law firm address reporting on all three of my credit bureaus as a known new address??? I am so upset XXXX XXXX XXXX gave me the run around as well as all three credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92557
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: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19082
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A