Date Received: 2024-01-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to express my deep concern and frustration regarding the numerous unsuccessful attempts to remove fraudulent items from my account with Credit Bureaus. Despite my persistent efforts to report and rectify these unauthorized transactions, the issue persists, causing severe distress and financial hardship. I identified unauthorized transactions on my account, indicative of fraudulent activity. Since then, I have diligently contacted your customer service department on multiple occasions, submitted written requests, and provided all necessary documentation to support the investigation and removal of the fraudulent items. Unfortunately, despite these concerted efforts, the unauthorized transactions persist, significantly impacting my account. Enclosed, please find a detailed timeline of my interactions with your institution, complete with reference numbers and specifics of each attempt made to address this matter. I urge you to thoroughly review this information and take immediate action to rectify the situation. The ongoing lack of resolution has left me in a precarious financial situation and emotional distress. As a victim of fraud, I expected a more expedited and efficient response from your institution to safeguard my account and address the unauthorized transactions promptly. I urgently request that your institution conducts a thorough investigation into the matter, removes the fraudulent items from my account, and implements measures to prevent any further unauthorized activity. Additionally, I seek clear communication on the progress of the investigation and the steps being taken to resolve this issue. If my concerns are not addressed within the exact timeframe from the date of this letter, I will have no choice but to escalate this matter to regulatory authorities and consider legal action to protect my rights as a customer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXXXXXX XXXX Balance : {$530.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXI XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXXXXXX XXXX Balance : {$530.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: In progress
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
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 attention a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there are late payments inaccurately reported for the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX These late payments are inaccurately reflected in my credit report, and I request that you correct this information immediately. I have attached supporting documents, including bank statements and payment records, to verify that the payments were made on time for the specified accounts. I understand the importance of accurate credit reporting and how it can impact my creditworthiness. I am confident that the correction of this misinformation will contribute to a more precise representation of my credit history. Please conduct a thorough investigation into the matter and update my credit report accordingly. I kindly request that you provide written confirmation of the corrections made within 30 days from the date of receipt of this letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94544
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
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: 2024-01-09
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: Information belongs to someone else
Consumer Complaint: It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX 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: NC
Zip: 28278
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
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 attention a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there are late payments inaccurately reported for the following accounts : XXXX XXXX These late payments are inaccurately reflected in my credit report, and I request that you correct this information immediately. I have attached supporting documents, including bank statements and payment records, to verify that the payments were made on time for the specified accounts. I understand the importance of accurate credit reporting and how it can impact my creditworthiness. I am confident that the correction of this misinformation will contribute to a more precise representation of my credit history. Please conduct a thorough investigation into the matter and update my credit report accordingly. I kindly request that you provide written confirmation of the corrections made within 30 days from the date of receipt of this letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94544
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently sent in report expressing to the XXXX major private credit bureaus that the following accounts are not mines, nor did I give any agency permission to report any account on my behalf to any third party or private agency .There are many consumer laws to protect the privacy of individuals like myself. I'm demanding that the following unauthorized accounts be removed from my consumer / credit report. 1. XXXX XXXX, a duplicate double account reporting and both needs to be removed immediately. 2. XXXX XXXX XXXX XXXX. The XXXX XXXX 4. XXXX XXXX 5.XXXX 6. XXXXXXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX These accounts should be removed and blocked from my consumer report immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I have sent another letter stating what needs to be remove its causing me to lose employment and housing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55378
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$610.00} XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$0.00} 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: CA
Zip: 95380
Submitted Via: Web
Date Sent: 2024-01-09
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: This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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: 33625
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A