Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 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 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: 33141
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 am writing to formally request the removal of a disputed item from my consumer file. Despite my efforts to have the inaccurate and incomplete reporting verified by the information furnisher, no resolution has been achieved. I respectfully urge you, as the credit bureau, to adhere to the legal obligations outlined in the Fair Credit Reporting Act ( FCRA ) and promptly eliminate the contested account listing from my credit report. The accounts in questionDEPT OF EDUCATIONXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9900.00}, DEPT OF EDUCATION/XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$9200.00}, DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$9200.00}, and DEPT OF EDUCATIONXXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : $ XXXX a notice of dispute from me, prompting your credit bureau to confirm the account 's verification. However, knowing that the information was unverifiable, I proceeded to dispute it directly with the furnisher of information, as allowed by the FCRA. Regrettably, the furnisher has failed to provide any substantiating evidence or respond in any manner. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 276XX
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: There is information that on my consumer report that is a result of identity theft. I did not provide written permission of instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under XXXX XXXX XXXX ( XXXX ) removal of XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) ( b ) Compliance procedures maximum possible accuracy & section XXXX XXXX XXXX code XXXX B. The identified transactions are not information related to any transaction by me as the consumer ( see attached )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31419
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: The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. XXXX XXXX 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 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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33991
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 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: 33991
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: A mortgage broker pulled my credit. They pointed out that i had a couple negative items on my credit report. I contacted the creditors and it turns out, they are fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 945XX
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 information incorrect
Consumer Complaint: After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report does not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. The companies below are reporting payments on multiple accounts ( accounts listed below ) and/ or utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave the companies below written instructions to report anything to my consumer report, let alone these payments/utilizations. I sent a letter letting them know that I opted out of their reporting. Also, according to 15 USC 1681 602 congressional findings and statement of purpose states, there is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continuous function of the banking system. The reporting of these payments to my consumer report are not accurate and my privacy has been violated due to the companies listed below. XXXX XXXX XXXX XXXX is a witness to multiple violations of 15 USC 1681. They have a report of every transaction from every bank since opening a bank account. I opted out of all consent to disclose my personal information to all of the users who supplied it to their affiliates. I will attach a copy of one of the letters sent to all of my credit users. The terms and conditions of the banks that I have banked with show on their 10k form at the SEC that they are in compliance to 15 USC 6805 and my ability to opt out of them sharing my information. I have reached out and exclaimed this over the years with little to no results. For the collection agencies that claim that I owe them a debt that has been sold to them is also invalid because its considered a charge off which is defined as income according to the IRS. The original contract with the agency that sold the debt charged off the debt with the IRS and now that debt is considered income. The Privacy Act of 1974 says : 1. 5 U.S.C. 552a ( b ) ( 1 ) - Need to Know within Agency No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains unless the disclosure would be The Inquiries listed on my credit profile are also a violation to the privacy act of 1974 and 15 USC1681 ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681 of this title ; All of the inquiries and any reports stating payments were late should be removed. All payments were made on time using securities. A Forensic Financial audit would clearly show none of the payments were late, therefore ; All of my accounts should show positive payment history. By my opting out of all credit reporting per 16 USC 6802 my transaction history should not have been reported and demand that the law is obeyed and show my credit utilization to be 0 %. I'm reporting this to CPFB because of 15 USC 6805 says : Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State Insurance Authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. Accounts on my credit report that need adjusting and compensation administered are as follows : XXXX from XXXX XXXX opened XX/XX/XXXX which shows a balance of {$87000.00} and 10 months of payment history, XXXX from XXXX XXXX XXXX XXXX opened XX/XX/XXXX shows a balance of {$1600.00} and 12 months of payment history, XXXX from XXXX XXXX XXXX XXXX opened XX/XX/XXXX which shows a balance of {$3900.00} and 18 months of payment history, XXXX from XXXX XXXX opened XX/XX/XXXX which shows a balance of {$1500.00} and 13 months of payment history, XXXX from XXXX XXXX opened XX/XX/XXXX which shows a balance of {$110000.00} and 10 months of payment history, XXXX from XXXX XXXX XXXX XXXX XXXX XXXX ) opened XX/XX/XXXX which shows a balance of {$100000.00} and 51 months of payment history. XXXX from XXXX XXXX opened XX/XX/XXXX which shows a balance of {$3100.00} and 7 months of payment history is listed as a chargeoff which is considered income and can't be listed as a debt. XXXX from XXXX XXXX XXXX opened XXXX XXXX, XXXX shows a {$0.00} balance and 0 months of payment history should be removed as details of this account are listed as unknown and status shows pays as agreed. XXXX from XXXX opened XX/XX/XXXX shows a {$0.00} balance and 10 months of payment history and is shown as a chargeoff which is considered income and can't be listed as a debt. XXXX XXXX XXXX XXXX opened XX/XX/XXXX shows as a chargeoff which is considered income and cant be listed as debt. XXXX from XXXX XXXX opened XX/XX/XXXX shows a balance of {$480.00} and is shown as a chargeoff which is considered income and can't be listed as a debt. XXXX from XXXX XXXX opened XX/XX/XXXX shows a balance of {$0.00} and 31 months of payment history. XXXX from XXXX opened XX/XX/XXXX shows as a chargeoff which is considered income and cant be listed as debt. XXXX from XXXX XXXX opened XX/XX/XXXX shows a balance of {$0.00} and 48 months of payment history. XXXX from XXXX XXXX opened XX/XX/XXXX shows a balance of {$0.00} and 24 months of payment history. XXXX from XXXX XXXX opened XX/XX/XXXX shows a balance of {$0.00} and 24 months of payment history. XXXX from XXXX XXXX XXXX opened XX/XX/XXXX which shows a balance of {$16000.00} is listed as a collection account showing twice on my credit report, this debt is invalid because it was sold to XXXX XXXX and is considered a charge off which is defined as income according to the IRS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30127
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: Me and my husband went to a mortgage broker to see if we qualified for a mortgage and we where told we had negative items on our credit reports. After investigation, we found out that we had fraudulent items on our credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 945XX
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, along with the Privacy Act of 1974, the accounts listed below have violated my federally protected consumer rights to privacy, confidentiality, and accuracy of reported information under 15 U.S.C. 1681 and 15 U.S.C. 1681b. Accounts ( 4 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never expressed a written or verbal consensus authorizing Experian Credit Reporting XXXX to publicly report my personal information per 15 U.S.C. 1681b and 15 U.S.C. 1681 nor did I receive a request to confirm that the data shown on my credit report is accurate per 15 U.S.C. 1681. This is an infringement upon my identity, privacy, protection, and rights. The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
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: There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block been made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transaction by me as the consumer. 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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32960
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A