Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I sent a letter last XX/XX/XXXX to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days but until now their is no any responses I received. Ive already included this in my previous complaint & I am including it again., 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 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: GA
Zip: 30064
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX, XXXX XXXX, and Experian has reported a XXXX XXXX with a balance that does not belong to me. This is a case of identity theft and a data breach. XXXX XXXX has also reported a XXXX XXXX credit card with a balance that does not belong to me. This is also a case of identity theft and a data breach, and I have reported it. I have already written, called, and emailed XXXX XXXX about this issue, but they have failed to follow the proper guidelines and protocol for identity theft and dispute processing. I request that these accounts be removed immediately from my name, records, and all credit files.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I contacted XXXX XXXX XXXX after I acquired a credit report for XXXX XXXX, I request all documentation pertaining to this account along with the contract signed by myself that initiated the dispute. Weeks later I received a response, but not documents pertaining to me. I requested no further contact and filed dispute with Experian consumer credit reporting company, I later checked and found a collection on my account which I disputed again but had no affect. The account was settled and closed and sold after the fact, I reported this to Experian and XXXX XXXX XXXX but received no response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89406
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: ALL OF OUR MAJOR ACCOUNTS PAID OFF OR DOWN XXXX ARE STILL NOT REFLECTED ON REPORTS! OUR SCORE ACTIALLY WENT DOWN. O F course I expect nothing from you or them. In my opinion by nature of hundreds of experiences - A SHAM consumer protection
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: In early 2022 ( 2 years ago ) I had a wallet stolen with cards and IDs. I called up a company in XXXX, XXXX, XXXX, and XXXX to not only cancel the card, but also close out of my account completely since the company has awful customer service and support. The company ( XXXX ) did not cancel the stolen card, nor close my account. There inaction led to stolen identity and fraudulent charges on my card. For many more months through XXXX, XXXX, XXXX, XXXX of 2022 I continued to contact the company, and eventually their legal director told me that all the charges were reversed, the card and account was closed with no balance due. However, this was also a lie as charges continued to be made on the card. They now refuse to answer any calls or emails with my continued request to remove the account from my credit report since it was due to fraud. The next step I have taken involves CFPB, FTC, Federal Reserve, and other state and federal banking and financial regulators. They have reviewed the evidence and came to the clear conclusion that this was identity theft. I have provided all of this to Experian over the last year or more, via online report disputes and formal complaints, since this is a violation of the FCRA. They need to remove the account that was the result of fraud and identity theft according to that federal regulation, and have failed to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80207
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I XXXX XXXX, have recently been denied credit. I'm looking on my credit report and see some inaccurate information regarding late payments and an open credit card that are closed. with inflated balances. I wish for these tradelines to be investigated and removed from file if found inaccurate or incomplete. 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 Also there's a consumer statement that I would like removed. Inquiries I do not have an open account nor have I've done business with these individuals, person or corporations. 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: AZ
Zip: 85037
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/XXXX, I utilized my rights under various federal laws ( including 5 USC 6802 ) to send an opt-out request to the major credit reporting agency : Experian. The purpose of this request was to withdraw any consent, previously given in any form ( written, unwritten, verbal, and nonverbal ), for using and sharing my personal and financial information in relation to specific accounts on my consumer report. The accounts are as followed : XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX. ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX original creditor XXXX XXXX XXXX XXXX ) ACCT # XXXX XXXX XXXX ( XXXX creditor : XXXX XXXX XXXX XXXX XXXX ) ACCT # XXXX XXXX ( original creditor : XXXX THE XXXX XXXX ) ACCT XXXX XXXX Detailed Legal Framework : 1. 15 USC 6802 ( XXXXXXXX Act ) : This statute is a key provision of the Financial Services Modernization Act, which requires financial institutions to provide customers with a privacy notice that explains the information collected, where it is shared, and how it is used. Importantly, it provides consumers the right to opt-out of their information being shared with nonaffiliated third parties. My request to XXXX, Experian, and XXXX was based on this right. 2. Privacy Act of 1974 : This act establishes a code of fair information practices that govern the collection, maintenance, use, and dissemination of personal information about individuals that is maintained in systems of records by federal agencies. While primarily applicable to federal agencies, its principles are echoed in the consumer rights afforded under the FCRA, particularly regarding individuals ' control over their own personal information. 3. 16 CFR 313.7 ( Regulation P - Privacy of Consumer Financial Information ) : This part of the Code of Federal Regulations requires financial institutions to provide clear and conspicuous notice to consumers about their privacy policies and practices, describe the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties, and provide a method for consumers to prevent such disclosures by " opting out. '' 4. 15 USC 1605 ( Consumer Financial Protection Bureau portion of the Truth in Lending Act, also known as Regulation Z ) : This section of the Truth in Lending Act is enforced by the CFPB and governs the transparency of consumer credit transactions. The CFPB 's portion includes rules for fair handling of credit reports and ensuring accurate and fair credit billing and credit card practices. It also includes the enforcement of penalties for non-compliance with these provisions. My complaint relates to this law 's provision for enforcing fair and accurate credit reporting practices. Issues Encountered : Despite referencing these legal provisions in my opt-out letter and the ample time provided for the credit reporting agencies to respond and comply with my request, there has been no satisfactory acknowledgment or action. My personal and financial information continues to be handled in a manner that I believe is inconsistent with these legal provisions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
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 WAS TOLD THIS WAS REMOVED, YET AS OF TODAY, XXXX XXXX, 2024, THIS MARK STILL SHOWS AN INACCURATE LATE MARK. Several formal letters have been sent to all THREE CREDIT BUREAUS from the President of XXXX XXXX regarding reporting an INACCURATE past due payment that NEVER WAS PAST DUE. Yet, the credit bureaus and CREDIT KARMA show the amount is STILL LATE. XXXX XXXX XXXX has gone above and beyond, providing each letter and copy of the AUD submitted from FCU to credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 121XX
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX has a closed credit card account on my credit report. The account was not created by me. The account was opened due to identity theft. I have asked XXXX to remove the account from my credit report with all XXXX credit buraeus due to identity theft however XXXX has not removed the account. The balance is over XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75204
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: XX/XX/23 to XX/XX/23 Ive sent out documentation to Dispute. This hard inquiry with Experian. Experian has been giving me a hard time about this hard inquiry which I file for FTC about this inquiry and Experian refuse to remove along with the documentation
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08360
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A