Date Received: 2024-01-06
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: I have a leased XXXX XXXX with XXXX XXXX and for the first time after 6 years there was a misunderstanding between XXXX XXXX and XXXX XXXX XXXXXXXX XXXX where i have my account, i have made a payment on XX/XX/XXXX for the month of XX/XX/XXXX and for some reason XXXX didn't get the money, no one from XXXX XXXX contacted me about the issue and when i have realized that XXXX didnt make the payment i went ahead and made another payment on XX/XX/XXXX not only did XXXX charged me a returned payment fee and they flagged my account for 30 days passed due after I made the payment on XX/XX/XXXX which has been collected by XXXX XXXX now this action on their part dropped my credit score by XXXX points. i want them not only to stop flagging my credit also to give me back those XXXX points that i have lost due to their negligence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33179
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: Public record information inaccurate
Consumer Complaint: I have requested for the credit agency to remove/delete a bankruptcy that is inaccurate. I also requested for the company to provide detailed information on the process that is used to verify bankruptcies but the agency failed to provide this information. This has been very difficult to fix. It has been over 30 days with multiple disputes without a solution/explanation. The company has not deleted/ removed this from my report causing me tremendous financial distress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95127
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 including a copy of the letter submitted to XXXX XXXX, and the response from the company for your review. On XX/XX/2023, I contacted XXXX XXXX about increasing my current credit card limit. Over the nearly 10 years I have had the card, I periodically call XXXX XXXX with this request to increase my credit balance, and subsequently, my credit score. During the call, I was told that XXXX XXXX would require certain information, and that depending on the results, a credit report MAY be necessary and that I will be notified if it is needed. I have received the same disclosure each time, XXXX XXXX has never needed nor performed a hard inquiry on my credit report for a credit line increase request. At some point during the process on XX/XX/XXXX, a hard inquiry was performed. I only learned about the hard inquiry after I received a notice from my credit monitoring service. I sent a letter to XXXX XXXX on XX/XX/XXXX, informing them about the hard inquiry and telling them that I never agreed to a hard inquiry on my credit report. On XX/XX/XXXX, I received a response letter from XXXX XXXX. The letter, purportedly drafted on the federal banking holiday of XX/XX/XXXX, says that XXXX XXXX determined that the hard inquiry was proper as an " application for an account requires us to review the credit file of the applicants for credit determination. '' I did not apply for an account ; I already had an account. To the extent that XXXX XXXX considers a credit line increase a " application for an account, '' and that a hard inquiry is required whenever a consumer requests a credit line increase, than XXXX XXXX 's chosen language that a credit report " may be necessary '' is deliberately misleading if XXXX XXXX 's position is that it will always be required for such requests. Either way, I did not consent to a hard inquiry and would not have proceeded with the credit line increase request if I had known that it would have results in a hard inquiry.
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: 2024-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I have requested for the credit agency to remove/delete a bankruptcy that is inaccurate. I also requested for the company to provide detailed information on the process that is used to verify bankruptcies but the agency failed to provide this information. This has been very difficult to fix. It has been over 30 days with multiple disputes without a solution/explanation. The company has not deleted/ removed this from my report causing me tremendous financial distress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95127
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: This is a pattern Experian closes complaints either early in the morning or after XXXX and once closed the latest complaints with absurd explanations that have nothing to do with the FACT THAT EXPERIAN WIPED OUT GOING ON 2 YEARS OF ON TIME NEVER LATE PAYMENT HISTORY TO XXXX AND REFUSE TO GIVE THEM BACK UNLESS I PAY AND IT CLEARLY STATES ON MY EXPERIAN ACCOUNT THAT MY SCORES ARE OUT OF DATE BUT IF PAY PAY THEM THE EXTORTION MONEY THEY WILL UPDATE MY SCORE, AS LAST COMPLAINT THIS ONE WILL BE FORWARDED TO THE DEPARTMENT OF JUSTICE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65202
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: Please remove these identity theft inquiries : All XXXX accounts for dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXXXXXX 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: CA
Zip: 90746
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 accounts, XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C. 1681 section 602 A. estatus I have the right to privacy. 15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90201
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: I received a copy of my credit report and found the following items to be reported in error. Upon doing a thorough research on my reports I found improper inaccuracies on the reports even after they did the thorough verification. By the provision of the fair credit reporting act I demand these items be investigated and removed from my credit report it is my understanding that you will reverify these accounts with the creditor that posted them. Please remove any information that the creditor can not verify I understand that under 15 U.S.C section 1681 ( i ) a you must complete this reinvestigation within 30 days of the receipt of this letter.These entries are in violation of my consumer rights under federal and state laws. Inaccurate Reporting : I have reason to believe that the reporting of this charge-off and collection is inaccurate, and I have not been provided with sufficient proof of the debt 's validity or any prior validation, as required by the FDCPA. Lack of Verification : The debt was never properly validated as required by the FDCPA. As a consumer, I have the right to demand validation of a debt before it is reported on my credit report or pursued for collection. Discrepancies in Reporting : The entries on my credit report are inconsistent with the legal requirements of the FCRA and FDCPA, as they do not provide a clear and accurate account of the debt. I have highlighted and attached the many discrepancies such as account open date, date reported, status, balance and many more this is defamation of my character and I demand proper validation or have these accounts deleted! ACCOUNTS : Creditor : XXXX XXXX XXXX Account Number # XXXX Amount {$140.00}. In Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. Creditor : XXXX XXXXXXXX XXXX XXXX Account Number # XXXX In Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. Creditor : XXXX XXXX XXXX Account Number # XXXX In Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. Creditor : XXXX XXXX XXXX Account Number # XXXX In Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. I kindly request that the inaccurate charge-off and collection entries be promptly investigated and removed in accordance with the FCRA, FDCPA, and all relevant consumer protection laws.It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( I ), my consumer report should not contain Information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing. the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. The accounts listed above have multiple inaccuracies that must be verified items such as Account type, account status, date opened etc are reporting dates and amounts incorrectly between the bureaus. Consumer reporting agencies shall not furnish incorrect information unverified from creditor these accounts must be deleted this is defamation to my character I have attached a copy of the report and highlighted the many inaccuracies on the accounts listed above. Please Assist thank you. I have also noticed some unauthorized inquires unverified and unauthorized items must be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. " I spoke with XXXX several days and was told these inquires were deleted but yet they are still being furnished on my report ''. I have also attached a copy of the previous FTC identity theft report. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70501
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: Information belongs to someone else
Consumer Complaint: There were several accounts open in my name 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 and XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29063
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: Information belongs to someone else
Consumer Complaint: In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A