Date Received: 2024-01-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX, EXPERIAN, and XXXX is reporting account information without proper consent or authority. The account information is associated with identity theft and other criminal activity. The XXXX credit reporting agencies also failed to take reasonable measures to prevent my identifying information from being used, shared, and sold, after having knowledge of the identity theft and criminal activity. I have discovered more criminal activity on the credit report and have filed another identity theft report to have the account information block and permanently deleted.
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: 2024-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have been trying to get into my credit report accounts to try and dispute inaccurate information and I put an identity theft alert on my account that has not been honored. I noticed a few discrepancies that needs my attention and I cant access any of my accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29687
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX violated my rights. 15USC 1681 section602 States I have the right to privacy. 15USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: In progress
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I am victim of identity theft and XXXX XXXX still ask me for responsibility to pay no matter what
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 99223
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
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: I requested a copy of my credit report and seen that I was a victim of identity theft so I contacted my bank and had them to freeze all my accounts until further notice
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74011
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: Information belongs to someone else
Consumer Complaint: I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous of accounts on my credit report they were not open by me. This has been hurting me as I am in the process of buying a home foe my family. Please remove from credit report as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79928
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: Problem with product or service terms changing
Consumer Complaint: In accordance with the Fair Credit Reporting Act, along with the Privacy Act, the listed account below has violated my federally protected consumer rights to privacy, confidentiality, and accuracy of information under XXXX U.S.C. XXXX, XXXX XXXX. XXXX, and XXXX XXXX. XXXX. Account Name & Number : XXXX XXXX XXXX XXXX The Privacy Act of 1974 provides protections to individuals in XXXX 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. I never expressed a written or verbal consensus authorizing Experian Credit Reporting Agency to publicly report my personal and financial information per XXXX U.S.C. XXXX nor did I receive a request to confirm that the data shown on my credit report is accurate per XXXX U.S.C. XXXX and XXXX XXXX. XXXX. XXXX XXXX XXXX is not the original creditor I conducted business with, nor did I ever share my personal information with that company. This is an infringement upon my identity, privacy, protection, and rights.
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: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been trying to purchase a house over the pass year so I have been monitoring my credit report. I disputed a lot of accounts off my report due to inaccurate reporting. Unfortunately I have a few accounts still reporting because the creditor is stating they verified the account which I don't understand because the account is not mine. The accounts are 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: XXXXX
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX XXXX has violated my rights. 15USC 1681 section602 States I have the right to privacy. 15USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: EXPERIAN XXXX XXXX XXXX OF XXXX is breaking the consumer law pertaining to Acct # XXXX and any other accounts. I've uploaded documents thats confirming and the law their VIOLATIONING XXXX DEMANDING this ACCOUNT corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE 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: 75093
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A