Date Received: 2024-01-06
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 XXXX XXXX XX/XX/XXXX XXXX CORSAIR XXXX XXXX XXXX, GA XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Dear XXXX XXXX I am writing to dispute the following information that appears on my XXXX Credit report. According to the Fair Credit Reporting Act, I have the right to dispute incomplete or inaccurate information if I identify information in my file that is incomplete or inaccurate, and report it to your consumer reporting agency. Your agency must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. On or about XXXX XX/XX/XXXX I asked that all previous inaccurate or unverifiable address be removed from my credit file. These addresses are no longer valid and I can not receive mail at these addresses. All valid creditors have my correct address which is XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX. According to your response to your to my investigation request dated XXXX XX/XX/XXXX, I was informed these inaccurate addresses would remain on my credit file. According to 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. According to the FCRA and congress your response of reporting old outdated addresses used for billing and/or application purposes will appear and remain on my credit file is not sufficient reason according to law. These outdated address put me and my credit worthiness at risk as I have had numerous pieces of mail sent to these addresses with personal identifiable information contained on them which is a violation of the FCRA as well as a violation of the Privacy Act. In view of these clear violations of the FCRA and Privacy Act please delete the following addresses from my credit file. XXXX XXXX XXXX, XXXX XXXX TN XXXX listed as residence since XX/XX/XXXX. This is inaccurate information as proven by my current attached Drivers License showing me as a resident of Georgia with my true accurate mailing address listed. XXXX XXXX XXXX, XXXX GA XXXX listed as my residence since XX/XX/XXXX. This is inaccurate information as there is no such address as XXXX XXXX XXXX. This seems to be an attempt to obtain credit utilizing promotional information mailed utilizing inaccurate information obtained from my credit file utilizing XXXX XXXX XXXX, and XXXX XXXX XXXX This is why it is imperative that all inaccurate and outdated addresses are removed from my credit file. XXXX XXXX XXXX, XXXX GA XXXX listed as my residence since XX/XX/XXXX. This is a fraudulent address and was never my mailing address. Please delete this information from my credit file. I would also like the name listed on my credit file to show only XXXX XXXX XXXX as listed on my current Drivers License and my only employer listed to reflect XXXX XXXX XXXX and my position listed as XXXX XXXX All other job titles and employers should be immediately removed from my credit file per the aforementioned FCRA law. Please delete this inaccurate disputed information as soon as possible. Thank you for your assistance. I personally signed and sent this letter. Sincerely, 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: 314XX
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: ( UTILIZATION ) I am writing to dispute the inclusion of utilization information on my consumer report for the accounts listed below. The utilization information reported is in violation of the Fair Credit Reporting Act ( FCRA ) as outlined in 15 U.S.C. 1681a-2 ( a ) ( 1 ). Congress explicitly states that the reporting of transactions or experiences between the consumer and the reporting entity is not to be included in consumer reports. List of Accounts : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX - Account # XXXX XXXX XXXXXXXX Account # XXXX The utilization information reported in connection with the above accounts is considered an experience, falling within the scope of the transactions or experiences that Congress has excluded from consumer reports. As per the FCRA, you are required to update my utilization to 5 % or below within 10 calendar days or delete the utilization information from the accounts mentioned. ( LATE PAYMENTS ) I am writing to dispute certain information regarding late payments on my Experian consumer report, as reported by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), I demand an immediate investigation and removal of these inaccurately reported late payments associated with my account. The late payments in question violate the FCRA, particularly Section XXXX, which mandates the maximum possible accuracy of information in a consumer 's file. These inaccuracies also constitute a violation of my rights under the FCRA, which explicitly requires that information reported to credit bureaus must be accurate, verifiable, and reported with the consumer 's permission. Moreover, I draw your attention to 603 ( 2 ) of the FCRA, which excludes from the definition of " consumer report '' any report containing information solely as to transactions or experiences between the consumer and the person making the report. A late payment is considered a transaction or experience, falling under this exclusion, as defined by 15 U.S.C. 1681a. The late payment information reported in connection with the above accounts is considered an experience, falling within the scope of the transactions or experiences that Congress has excluded from consumer reports. As per the FCRA, you are required to delete the late payments information from the accounts mentioned. Section 604 ( a ) ( 3 ) of the FCRA further stipulates that credit reporting agencies may only furnish consumer reports for legitimate purposes, such as credit transactions, employment purposes, or insurance underwriting. I am not aware of any legitimate purpose for reporting these late payments, and I affirm that I did not authorize the reporting of such information to your agency by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt. Additionally, I bring to your attention the specific provisions in 15 U.S. Code 1666b, which mandates that creditors may not treat a payment on a credit card account as late unless reasonable procedures ensure the delivery of each periodic statement, including required information, to the consumer at least 21 days before the payment due date. Your prompt attention to this matter is imperative. In accordance with Section 607 of the FCRA, I demand a thorough investigation into these disputed late payments. I expect written confirmation of the investigation 's completion and details of any actions taken to rectify this matter within 10 calendar days. Failure to respond satisfactorily within the stipulated timeframe will leave me with no option but to take legal action against your company. I will seek damages of {$1000.00} per violation, including but not limited to defamation of character, negligent noncompliance, civil liability, mental anguish, and the FCRA 15 U.S.C. 1681 for violations under willful noncompliance ( Section 616 Civil Liability for Willful Noncompliance 15 USC 1681n )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
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 am writing to urgently bring to your attention a serious violation of the Fair Credit Reporting Act ( FCRA ) by XXXX in reinserting an account on my credit report without providing the required notice within the stipulated timeframe. On XX/XX/2023, I initiated a dispute with XXXX regarding an account ( Account number : XXXX ) reported on my credit report, and as a result of the investigation, I was informed on XX/XX/XXXX that the account had been deleted from my credit report by XXXX and XXXX. However, to my dismay, I have recently discovered that this item has been reinserted on my credit report. In accordance with the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), XXXX is obligated to notify me of the reinsertion in writing within 5 business days. Quoting the relevant section of the FCRA : " ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer : If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. '' Regrettably, I received no such notification from XXXX, a clear violation of the FCRA. I must emphasize that this is a severe breach of consumer rights and a blatant disregard for the law. I reserve the right to pursue legal action to address this matter. I hereby demand that XXXX immediately deletes the reinserted item from my credit report to rectify this violation. I have also submitted this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX XXXX XXXX Enclosed with this letter are copies of the original dispute submitted to XXXX, supporting documentation, and the investigation results from XXXX and XXXX. I kindly request your prompt intervention and assistance in resolving this matter. Thank you for your attention to this urgent matter.
Company Response:
State: FL
Zip: 333XX
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I notice that you are reporting inaccurate information in my consumer report, and it has caused me great harm, Due to the inaccurate information I am unable to purchase my home for me and my new family. I am sure youre familiar with the following UCC codes. 15 U.S. Code 1681 ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING ( 1 ) 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 methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681 - ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates Please provide me the date I gave you permission to report my personal information to 3rd party. According to P.L 90-321 ( 82 State. 146 ) Any agency can only get my report in response to a request by the head or state or local child support enforcement agency ( or ) a state or local government official authorized by head of such a agency. 15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I have attached a copy of my report showing the inaccuracies. As I stated, the inaccurate information harmed me, and my family and I am requesting that you adhere to the LAW and update this information to paid as agreed immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: There is information on my credit report that is a result of identity theft that I did not provide information for or any written permission or instructions for the identified transactions to be reported on my consumer credit 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 is not being made on the basis of misrepresentation of fact by me relevant to the request to block the identified transactions are not information related to any any transactions by me as the consumer. You are required to do what I am asking and block these transactions from being reported to my consumer report within XXXX days from the date of receipt. I look forward to your response. Thanks
Company Response:
State: FL
Zip: 331XX
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I XXXX XXXX demand that all late payments be removed from my consumer report because the term consumer report does not contain information about transactions or experiences between i the consumer and the creditor, pursuant to 15usc 1681 ( 2 ) this is an improper use of my consumer report.
Company Response:
State: OH
Zip: XXXXX
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to formally complain about inaccurate and illegal reporting of transactions on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a. I have carefully reviewed my credit report, and I have identified several inaccuracies in the reporting of late payments and utilization of credit. As per 15 U.S. Code 1681a, The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. \n The term consumer means an individual. \n The term consumer report means any written, oral, or other communication of \nany information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. * ( 2 ) Exclusions \n ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; \n It is illegal to report inaccurate information that adversely affects a consumer 's creditworthiness. Below are the specific discrepancies that I have identified : * XXXX XXXX XXXX XXXX. Account number : XXXX. Account type : Home Equity. Date opened : XX/XX/XXXX. Late payments recognized on XXXX, XXXX, XXXX of XXXX. * XXXX XXXX XXXX XXXX . Account number : XXXX. Account type : Credit card. Date opened : XX/XX/XXXX. Late payments recognized on XXXX, XXXX, XXXX, XXXX of XXXX. * XXXX XXXX XXXX XXXX. Account number : XXXX. Account type : Auto Loan. Date opened : XX/XX/XXXX. Late payments recognized on XXXX of XXXX. * XXXX XXXX XXXX XXXX. Account number : XXXX. Account type : Home Equity. Date opened : XX/XX/XXXX. 104 % credit utilization. * XXXX XXXX XXXX XXXX . Account number : XXXX. Account type : Credit card. Date opened : XX/XX/XXXX. 100 % utilization. * XXXX XXXX XXXX XXXX. Account number : XXXX. Account type : Credit Card. Date opened : XX/XX/XXXX. 100 % Utilization.\n I am formally requesting that you conduct a thorough investigation into these matters, as required by the FCRA. I kindly request that you promptly correct the inaccurate information on my credit report by removing the incorrect late payments and adjusting the reported credit utilization. I understand that under 15 U.S. Code 1681i, you are required to conduct a reasonable investigation within 30 days of receiving a dispute. I urge you to adhere to this statutory requirement and provide me with written notification of the results of your investigation. If the investigation confirms the inaccuracies, I request that you update my credit report accordingly and provide me with a revised copy. Additionally, I would appreciate it if you could provide me with information on the steps taken to prevent such errors in the future. If my concerns are not addressed within the stipulated time frame, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau. Please treat this matter with the urgency it deserves.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84119
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to formally complain about inaccurate and illegal reporting of transactions on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a. I have carefully reviewed my credit report, and I have identified several inaccuracies in the reporting of late payments and utilization of credit. As per 15 U.S. Code 1681a, The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term consumer means an individual. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. * ( XXXX ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; It is illegal to report inaccurate information that adversely affects a consumer 's creditworthiness. Below are the specific discrepancies that I have identified : * XXXX XXXX XXXX XXXX. Account number : XXXX. Account type : XXXX XXXX. Date opened : XX/XX/XXXX. Late payments recognized on XXXX, XXXX, XXXX of XXXX. * XXXX XXXX XXXX XXXX. Account number : XXXX. Account type : XXXX XXXX. Date opened : XX/XX/XXXX. 104 % credit utilization. I am formally requesting that you conduct a thorough investigation into these matters, as required by the FCRA. I kindly request that you promptly correct the inaccurate information on my credit report by removing the incorrect late payments and adjusting the reported credit utilization. I understand that under 15 U.S. Code 1681i, you are required to conduct a reasonable investigation within 30 days of receiving a dispute. I urge you to adhere to this statutory requirement and provide me with written notification of the results of your investigation. If the investigation confirms the inaccuracies, I request that you update my credit report accordingly and provide me with a revised copy. Additionally, I would appreciate it if you could provide me with information on the steps taken to prevent such errors in the future. If my concerns are not addressed within the stipulated time frame, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau. Please treat this matter with the urgency it deserves.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84119
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On numerous occasions, I have requested proof of authorization for the inquiry reporting to my consumer report which I have not received to date. XXXX date XX/XX/2023
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77459
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I filed a complaint on XX/XX/XXXXXXXX regarding inaccurate information about the same credit account from XXXX XXXX XXXX XXXX. I also sent in evidence proving that the late payment listed for XX/XX/XXXXXXXX was false. I received a response from Experian Regarding that matter and I was told that their investigations department found the information to be accurate despite receiving bank statements showing payments. On XX/XX/XXXXXXXX I received an alert from experian regarding inaccurate and duplicate information reporting on my account from XXXX XXXX XXXX XXXX. 2 days later I called their department, the agent said that it will take 30 days to review the information. on friday XX/XX/XXXX, I received an alert via email that my Dispute had been Complete. I opened the credit file and the account and inaccurate information is still reporting with a comment stating that the information listed meets requirements of the fair credit reporting act ( Which Is False ). Ive Also Sent Disputes Regarding a XXXX XXXXXXXX Account That Was Opened In XX/XX/XXXX, I Received Letters From XXXX XXXX Providing No Evidence Supporting their Claims Reported on my Credit Report In response to my request for information and dispute for deletion sent XX/XX/XXXX. Upon My Own Investigation, I've Viewed All Three of My credit reports and have found that the information across all three of my credit reports is Inaccurate. Due to Experian 's Continued Negligence, I DEMAND that All Inaccurate information of any type is updated and or REMOVED from my credit report based on the information ive provided IMMEDIATELY. Failing to do so will result in my measures to take the Appropriate Legal Action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 845XX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A