Date Received: 2024-01-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90016
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75208
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: It was a unauthorized hard pull on my credit profiles from all XXXX credit bureau on XX/XX/2023 for XXXX XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91739
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The Fair Credit Reporting Act mandates that accurate and verified information be reported on consumers ' credit reports. In my case, the verification process appears to be delayed or ignored, causing further distress and damage to my financial standing. XXXX XXXX XXXXPLEASE DELETE!!! XXXX have already removed this account from their records. XXXX XXXX XXXXPLEASE DELETE!!! XXXX have already removed this account from their records. XXXX XXXX XXXX -PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. XXXX XXXX XXXXPLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. XXXX XXXX XXXX XXXX XXXXPLEASE DELETE!!! XXXX have already removed this account from their records. XXXXXXXX XXXX XXXX XXXXXXXXPLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. XXXX XXXX XXXX -PLEASE DELETE!!! I demand immediate action to address this situation. Specifically, I expect your agency to : Expedite the investigation into the fraudulent accounts on my credit report. Remove the fraudulent accounts promptly, as they are causing substantial harm to my creditworthiness. Provide me with written confirmation of the corrections made and an updated credit report reflecting these changes within 15 days of receiving this letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2024-01-05
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: Personal information incorrect
Consumer Complaint: Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law for this matter to be resolved promptly. 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: 33143
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$3700.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91739
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The credit report information for the Duplicate reporting of XXXX XXXX XXXX XXXX XXXX shows significant violations under the Fair Credit Reporting Act ( FCRA ), United States Code ( USC ) , and Code of Federal Regulations ( CFR ), each undermining key consumer protection laws : 1. **Duplication of Account Reporting ( Both Reported Accounts ) : ** The account 's duplication violates 15 U.S.C. 1681e, which mandates the accuracy of information. Reporting the same debt more than once can mislead creditors about the actual amount of debt, skewing a consumers credit risk assessment. 2. **Inconsistent Reporting of Account Status and Balances ( Both Reported Accounts ) : ** The discrepancies in reported balances and status update dates contravene 15 U.S.C . 1681e ( b ), requiring credit bureaus to follow reasonable procedures to ensure maximum possible accuracy. Such inconsistencies can unjustly lower credit scores, affecting loan eligibility and interest rates. 3. **Inaccurate Payment History Reporting ( Both Reported Accounts ) : ** The conflicting payment histories breach 16 CFR 660.3, requiring the accuracy of reported payment information. Inaccurate payment history can significantly impact credit scores and the perceived reliability of a borrower. 4. **Charged-Off Status Misrepresentation ( Both Reported Accounts ) : ** Misrepresenting the charged-off status with varying past due amounts and highest balances contradicts 12 CFR 1022.40. This regulation demands accurate reporting of charge-off information. Misrepresentation can lead to unjustified derogatory marks on a credit report, severely impacting credit health. 5. **Incomplete Account Information ( Both Reported Accounts ) : ** The lack of details such as terms, original creditor, and sale status of the company violates 15 U.S.C . 1681s-2 ( a ), which mandates comprehensive and complete reporting. Omitting such critical information can deprive consumers of the opportunity to fully understand and contest inaccuracies. Each of these violations directly undermines the principles of fair and accurate credit reporting, essential for maintaining consumer trust and the integrity of the credit system. These inaccuracies can lead to unjust financial consequences for consumers, including reduced access to credit, higher interest rates, and negative impacts on creditworthiness. To provide a clear count of the violations based on the information given : 1. **Duplication of Account Reporting** : This is counted as 1 violation for each of the two sets of data, totaling 2 violations. 2. **Inconsistent Reporting of Account Status and Balances** : As there are inconsistencies in each of the two sets of data, this is 2 violations. XXXX. **Inaccurate Payment History Reporting** : Each month of inaccurate payment history constitutes a separate violation. From the data provided, the payment history for XXXX and XXXX in both data sets is inconsistent. Assuming each month in these years is inaccurately reported, this results in : - For XXXX : 12 months XXXX ( for each data set ) = XXXX violations. - For XXXX : Assuming all months up to XXXX are reported and inaccurate, 1 month XXXX = XXXX violations. - Total for Inaccurate Payment History Reporting = XXXX + XXXX = XXXX violations. XXXX. **Charged-Off Status Misrepresentation** : There are inconsistencies in the charged-off status across both data sets. This is counted as 2 violations. 5. **Incomplete Account Information** : Each missing or inconsistent piece of critical account information ( terms, original creditor, company sold ) in each data set can be considered a separate violation. If we assume each of these three pieces of information is missing or inconsistent in both data sets, this results in : - 3 pieces of information 2 ( for each data set ) = 6 violations. Total Violations : 1. Duplication of Account Reporting = 2 violations 2. Inconsistent Reporting of Account Status and Balances = 2 violations 3. Inaccurate Payment History Reporting = 26 violations 4. Charged-Off Status Misrepresentation = 2 violations 5. Incomplete Account Information = 6 violations **Total = 38 violations**
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80104
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A