Date Received: 2024-01-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I believe that my information is being misused and reported as inaccurate and I am filing this complaint to EXPERIAN. In my credit report from XX/XX/, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under USC 1681. Section 602 states I have the right to privacy and Section 604a prohibits furnishing an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23518
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
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 USC 1681. Section 602 states I have the right to privacy and Section 604a prohibits furnishing an account without my written instructions. Under USCS 1666b, a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23518
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
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: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: RE : Account Number : XXXX I hereby assert that the previous dispute between myself and XXXX XXXX XXXX was not subjected to a thorough and accurate investigation and took much longer than 30 days to complete. Consequently, I am initiating the reopening of said dispute, accompanied by the submission of additional information. It is pertinent to note that both my son, XXXX XXXX, and I held an auto loan account with XXXX XXXX XXXX, in which we both served as guarantors. During the months of XXXX and XX/XX/2022, while residing at our investment property in XXXX XXXX, Florida, we were confronted with the impact of Hurricane Ian and Hurricane Nicole. Prompted by the red evacuation zone designation, we were compelled to evacuate to higher ground, given the imminent danger posed by these severe hurricanes. Upon returning to our residence, we discovered that it had sustained substantial damage. Moreover, we endured weeks without power, internet, and cellular network coverage, as the cell towers in the area had been adversely affected by the hurricane. Due to the lack of cellular service, internet connectivity, and power, we were regrettably unable to effectuate a transfer of funds to the checking account designated by XXXX XXXX XXXX as the primary payment account. It is worth noting that an alternative checking account was available to XXXX XXXX XXXX for payment purposes, which, unfortunately, they neglected to utilize. Adding to the complexity of the matter, all three major credit bureaus have reported varying instances of late payments during three distinct months, further highlighting the inaccuracies in their reporting. I have diligently made multiple attempts to engage XXXX XXXX XXXX regarding this matter, both through written correspondence and telephone conversations. In these correspondences, I have provided the necessary loan statements and attached all pertinent information. Regrettably, their response thus far has been limited to requesting " more information, '' which I have already provided. Moreover, I have engaged in discussions with numerous XXXX XXXX XXXX representatives, all of whom have acknowledged the extenuating circumstances surrounding the hurricane, which qualifies as a natural disaster, and the subsequent state of emergency declared by Governor XXXX XXXX, as evidenced by the attached documentation. These representatives have concurred that the erroneous and incorrect late payment should be rectified, or alternatively, the account should be expunged entirely from both mine and my son 's credit reports. I am solely requesting that the late payment for XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( Experian ) be appropriately marked as " Paid/Never Late '' on all three Credit Bureaus, for both myself and my son. Alternatively, I request that the inaccurate account be expunged completely, given that the loan has been satisfactorily settled, and we have maintained a consistent track record of timely payments. Failure on the part of XXXX XXXX XXXX to rectify this erroneous information will leave me no choice but to pursue legal action, citing unethical practices, inaccurate credit reporting, and seeking punitive damages as a result of the negative impact caused by the inaccurate reporting on my personal credit report. Along with this CFPB complaint I will also be filing a complaint with the FTC against XXXX XXXX XXXX. It is essential to underscore that this inaccurate reporting has impeded the growth of my business and has hindered my ability to secure additional business funding, as evidenced by documentation from lenders who have explicitly cited the inaccurate late payment from XX/XX/2022 to XX/XX/2022 on the XXXX XXXX XXXX auto loan as the reason for denying my credit applications. I have also attached along with this letter images of damage from our residence in XXXX XXXX Florida post Hurricane Ian, as well as further proof from news publications, President Joe Biden, and Governor XXXX XXXX State of Emergency letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60439
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX {$2400.00} Requested removal of this fraudulent account listed on my credit report. XXXXXXXX XXXX failed to supply supporting documentation regarding their investigation. I requested a copy of the contractual agreement, account opening statement, information regarding the opening of this account name, address, phone number etc XXXX XXXX failed to supply this information & is still reporting false information currently negatively impacting my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 112XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT EXPERIAN AND XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS ON DATE XX/XX/2015 FOR BALANCED OWED {$0.00} 15 U.S.C. 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION SO THEREFORE I NEED THESE ACCOUNTS DELETED IMMEDIATELY
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33414
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The credit bureaus XXXX, XXXX, and Experian continue to share inconsistent and incorrect information on my consumer credit reports even a recent investigation and re-investigation of the same accounts. They said that everything was accurate and in fact it is not accurate. This is a clear violation of my rights and causing undue stress on myself and my family because we are being denied credit for essential products and services. The inaccurate information is noted by red arrows in the uploaded documents. 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: AR
Zip: 723XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX, Experian, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The Consumer reporting agencies XXXX, Experian, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The Furnisher of information to credit agencies Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44130
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A