Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I have already reported to Experian that some of my personal information is incorrect. If you would kindly delete this inaccurate information from my credit profile within the next 15 days, I would greatly appreciate it. I have listed the details of my personal information once again, which you are inaccurately reporting and must remove immediately. Please see below : - Name : XXXX XXXX. I do NOT have any other names or aliases, and I do NOT want any other names or aliases to be retained or reported. - Address : My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX. I do NOT have any other current addresses, and I do NOT want any other addresses to be retained or reported. You are infringing on my consumer rights. - Social Security Number : You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security XXXX to any company. Reporting my Social Security Number on my credit report poses a safety issue and exposes me to potential identity theft. I have already informed you about this issue, and it still remains inaccurate. - Date of Birth : XX/XX/1988. I do NOT have any other dates of birth, and I do NOT want any other dates of birth to be retained or reported. - Contact Information : My cell phone number is XXXX, and my residential number is XXXX. My employer is XXXX XXXX XXXX - Spouses, Roommates, and Co-applicants : I do NOT have any spouses, roommates, or co-applicants, and I do NOT want any spouses, roommates, or co-applicants to be retained or reported. If there are any, please delete them immediately or provide proof of your legitimate authority to retain or report without infringing on my consumer rights. Once you have removed the inaccurate information, I would like my fully completed and corrected credit report, reflecting these changes, to be mailed to XXXX XXXX. Due to these clear violations of 15 USC 1611, USC 1681n, and USC 1640, I need to be compensated {$6000.00} for each violation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11433
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: I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : 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: 338XX
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 status incorrect
Consumer Complaint: . Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. The incorrect status of your credit reporting agency records is unacceptable and is impeding my ability to secure necessary financing. In accordance with Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence related to my account : 1 ) A summary of all account activities, including payments made, late charges, interest, dates of payments received and posted, as well as charges made and dates of charges posted. 2 ) Copies of all documents and financial instruments utilized for the disputed late payments. 3 ) Copies of all charge slips, invoices, promissory notes, and any other documents verifying the existence of debt. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and update ALL TO PAID ON TIME or remove them from my credit report. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this investigation within 30 days of receiving this letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10475
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: This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block the accounts which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$590.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 338XX
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 have identified the reporting information on my report that are a result of identity theft. these information are not related to any transactions by me. PLEASE DELETE following INQUIRIES XXXX XXXX XX/XX/23, XXXX XXXX XX/XX/23XXXX 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: NY
Zip: 10475
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: Personal information incorrect
Consumer Complaint: Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75070
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: 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: TX
Zip: 75070
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: 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 address a concern regarding my credit report and request the immediate correction of inaccuracies related to late payments. Upon reviewing my credit report, I have observed discrepancies that I believe require your attention and correction. The late payments in question are associated with the following accounts : XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative. XXXX XXXX- I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE XXXX XXXX XXXX XXXX XXXX- I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE XXXX XXXX XXXX XXXX- I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative. I understand the importance of accurate credit reporting, and I am committed to maintaining a positive credit history. However, the late payments mentioned above are not reflective of my actual payment history with these creditors. I kindly request that you investigate and correct these inaccuracies promptly. To assist in your investigation, I am enclosing copies of relevant documents, such as bank statements or payment receipts, which substantiate that the payments were made on time. I believe that a thorough review of these documents will support my request for the removal of the late payment notations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90046
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: 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 dispute and request the immediate removal of fraudulent accounts from my credit report. I have recently become aware of unauthorized accounts on my credit report, and I insist on the aggressive deletion of these accounts without any further delay. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. The fraudulent accounts in question are as follows : XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! XXXX XXXX FRAUD, PLEASE DELETE!!!! XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. The presence of these fraudulent accounts is not only damaging my creditworthiness but also causing undue stress and hardship. Therefore, I demand the immediate removal of these items from my credit report. I expect the credit bureau to conduct a thorough investigation into this matter and provide me with a prompt response. As the victim of identity theft, I urge you to take aggressive action to rectify this situation at the earliest possible date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90046
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: On XX/XX/XXXX I sent 1st dispute letter to verify 2 Accounts ( Attached pictures below ) Came back Verified without proper investigation. On XX/XX/XXXX I sent out 2nd dispute letter via certified mail again for those 2 same accounts ( Letter attached below ) They both came back verified. Today on XX/XX/XXXX I went back to check my credit report on Experian & I'm seeing no changes Experian is showing different reports on the 2 accounts ( Photos Attached below ) from XXXX XXXX XXXX. That lets you know that they didn't DO A PROPER INVESTIGATION TWICE. This is affecting me from getting new loans due to Experian false Investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A