Date Received: 2024-01-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: THIRD PARTY- EXPERIAN XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR- XXXX XXXX XXXX XXXX is breaking the consumer law pertaining to : ACCT # XXXX I've uploaded documents showing evidence I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation stress if this isnt resolved I will have no choice but to move forward with litigation. XXXX : XXXX CARD HOLDER!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77004
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: TX
Zip: 79707
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: Dear Consumer Financial Protection Bureau, I am writing to file a formal online complaint against Experian, XXXX, and XXXX regarding inaccurate credit reporting. I previously submitted a written complaint on XXXX XXXX XXXX, through mail but have yet to receive any response. I am distressed by the ongoing inaccuracies in reporting late payments on my credit reports by Experian, XXXX, and XXXX. Despite my initial attempt to address this issue through a written letter, I have not received any acknowledgment or resolution. The discrepancies pertain to late payments on my XXXX XXXX account ( account number : XXXX ) for the months of XXXX, XXXX, and XXXX. I demand a thorough investigation into these inaccuracies and request the provision of verifiable proof regarding the alleged late payments. In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), I insist that Experian, XXXX, and XXXX physically verify the original signed consumer contract for the mentioned account. The failure to positively verify these accounts has adversely affected my creditworthiness and has impeded my ability to obtain credit. I am now submitting this complaint through the Consumer Financial Protection Bureau 's online portal to seek a prompt and effective resolution to this matter. I demand that Experian, XXXX, and XXXX verify or remove the inaccurate information immediately. Furthermore, I request the removal of non-account holding inquiries over 30 days old and the addition of a promotional suppression to my credit file. I expect a thorough investigation and corrective action from Experian, XXXX, and XXXX. As stipulated by federal law, I request the completion of the investigation within thirty ( 30 ) days and the provision of a description of the procedure used to determine the accuracy and completeness of the information within fifteen ( 15 ) days of the completion of the investigation. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will assist in facilitating a prompt resolution to these inaccuracies in credit reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30341
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: FL
Zip: 33709
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 am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my account with Cewdit Bureaus. Despite my consistent efforts to report and rectify these unauthorized transactions, the issue persists, causing significant distress and inconvenience. I discovered unauthorized transactions on my account, indicating fraudulent activity. Immediately, I contacted your customer service department to report the issue and initiated the necessary procedures to resolve the matter. Since then, I have made numerous calls, submitted written requests, and provided all the required documentation to support the investigation and removal of the fraudulent items. Unfortunately, despite these efforts, the unauthorized transactions continue to impact my account. I have attached a detailed timeline of my interactions with your institution, including reference numbers and specifics of each attempt made to address this matter. I request that you thoroughly review this information and take immediate action to rectify the situation. The lack of resolution in this matter is causing financial strain 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 urge you to conduct a thorough investigation into the matter, remove the fraudulent items from my account, and take necessary measures to prevent any further unauthorized activity. Additionally, I request 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 be compelled 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 XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2200.00XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$240.00} XXXX XXXX XXXXXXXX XXXX Balance : {$680.00} XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX 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: TX
Zip: 76063
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: 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 605b 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, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX Balance : {$6600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30064
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 information incorrect
Consumer Complaint: I am concerned with what I am seeing on my credit report. I am not sure what is correct and would like all these items to be verified and to make sure they are 100 % accurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92606
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: Account status incorrect
Consumer Complaint: I was granted debt relief from the Biden_Harris administration effective XX/XX/22 and the 3 major credit bureaus have yet to update my information on my credit reports, which is continuing to cause me and my family an extended financial hardship.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37660
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: There are XXXX accounts that DO NOT BELONG TO ME. XXXX. XXXX XXXX Balance- {$650.00} This has been on my Consumer report for over XXXX months now. Everytime I submit a complaint I get ignored or told that the account is rightfully mine without any one demonstrating any proof as to how they came up with this information. I was never notified of this debt and it does not rightfully belong to me. There are other people locally that have the same name as me seeing as it is a very common First and Last XXXX name where I come from. XXXX XXXX XXXX XXXX ( XXXX XXXX ) Balance - XXXX This account never belonged to me, and when I called in and spoke to a representative they told me the easiest way to get this removed from my consumer report would be to pay the debt off in full which I was reluctant to do seeing as I never defaulted on an account with this company. I have many properties and would have known if that was the case. I paid this debt off and they promised it would be removed XXXX days after payment was processed which was a lie because it is still on my consumer report. I have the recording in my possession which can confirm what I was promised and how I was misled into paying off an account that never belonged to me which is ILLEGAL!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 067XX
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 submitted this complaint to update this suspicious information. The Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. XXXX XXXX XXXX XXXX XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A