Date Received: 2024-01-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I recently reviewed the copy of my credit reports. I noticed some inaccurate late payments that violated the consumer and FCRA law for not reporting accurately. I attached on this complaint the XXXX copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89148
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: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX Need To Remove False Information And Remove The Account Altogether
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32073
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 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:
State: UT
Zip: 841XX
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: In progress
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: XXXX XXXX XXXX XXXX : Account No. is XXXX ( {$5000.00} ) 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 an 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:
State: NC
Zip: 27526
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: In progress
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Company Response:
State: IN
Zip: 46239
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: In progress
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: XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. Who is going to govern these agencies? By 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. XXXX - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. XXXX XXXX XXXX - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. XXXX - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. XXXX XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. Bankruptcy - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. XXXX XXXX XXXX - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. XXXX - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. XXXX XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. XXXX - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. Bankruptcy - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. XXXX XXXX XXXX XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. XXXX - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. XXXX XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. XXXX - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. XXXX XXXX XXXX - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. Bankruptcy - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. XXXX XXXX, Experian, and XXXX have violated my rights. 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 an 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 or 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 data is inaccurate.
Company Response:
State: NJ
Zip: 07003
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: In progress
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: The following addresses & phone numbers & names are reporting incorrectly and must be removed immediately Address ID # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX I never lived at this address above, please remove. I do not recognize the address. Address ID # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I would like this address above to be removed, please removed immediately from my credit report. I did not stay here, this is not my address at all. Telephone Numbers XXXX I would like this phone number to be removed, I didnt approve of this phone number to be on file. XXXX I would like this phone number to be removed, I didnt approve of this phone number to be on file. XXXX I would like this phone number to removed, I didnt approved of this phone number to be on file Names Name ID # XXXX XXXX XXXX XXXX I would like this name to be removed immediately, this is incorrect. Name ID # XXXX XXXX XXXX, I would like this name to be removed. Name ID # XXXX XXXX XXXX XXXX, I would like this name to be removed. Name ID # XXXX XXXX XXXX XXXX XXXX, I would like this named to be removed. Name ID # XXXX XXXX XXXX XXXX, I would like this name to be removed. Please remove all names, I only need one name listed. I didnt approve for all names to be on my credit report. Only name that needs to be on my credit report would be XXXX XXXX. Please remove any other name that is listed on my credit file. COMPANY NAME : XXXX XXXX XXXX PARTIAL ACCT # XXXX ADDRESS ID # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX REASON : I WOULD LIKE THIS ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT. I DONT OWE THIS AMOUNT. I WOULD LIKE THIS BE REMOVED IMMEDIATELY. I DONT RECOGNIZE THIS ACCOUNT ON MY CREDIT REPORT. COMPANY NAME : XXXX XXXX PARTIAL ACCT # XXXX ADDRESS ID # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX REASON : THIS IS NOT MY ACCOUNT, I WOULD LIKE THIS TO BE REMOVED FROM MY CREDIT REPORT. I AM RECENT VICTIM OF IDENTITY THEFT SOMEONE TRIED TO SIGN UP FOR A PHONE WITH US CELLULAR IN MY NAME. I NEVER WENT TO THIS COMPANY AND GOT ANY PHONE. PLEASE REMOVE IMMEDIATELY. COMPANY NAME : XXXX XXXX XXXX PARTIAL ACCT # XXXX ADDRESS ID # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX REASON : THIS IS NOT MY DEBT, I DO NOT RECOGNIZE THIS ACCOUNT. I DO NOT OWE THIS AMOUNT. PLEASE REMOVE FROM MY CREDIT REPORT IMMEDIATELY. COMPANY NAME : XXXX XXXX XXXX PARTIAL ACCT # XXXX ADDRESS ID # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX REASON : THIS IS NOT MY DEBT, I DO NOT RECONGIZE THIS ACCOUNT. I DO NOT OWE THIS AMOUNT. PLEASE REMOVE FROM MY CREDIT REPORT IMMEDIATELY. I would like the following inquiries to be removed from my credit report and I would like to dispute these credit inquiries that are placed on my credit file. COMPANY NAME : XXXX XXXX DATE : XX/XX/XXXX REASON : I don't recognize this inquiry. I would like it to be deleted from my credit report, I would like this to be deleted from my credit report immediately. Ive dealt with identity theft in the past. COMPANY NAME : XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX REASON : I don't recognize this inquiry. I would like it to be deleted from my credit report, I would like this to be deleted from my credit report immediately. Ive dealt with identity theft in the past. COMPANY NAME : XXXX XXXX DATE : XX/XX/XXXX REASON : I don't recognize this inquiry. I would like it to be deleted from my credit report, I would like this to be deleted from my credit report immediately. Ive dealt with identity theft in the past. COMPANY NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX REASON : I don't recognize this inquiry. I would like it to be deleted from my credit report, I would like this to be deleted from my credit report immediately. Ive dealt with identity theft in the past. COMPANY NAME : XXXXXXXX XXXX XXXXXXXX DATE : XX/XX/XXXX REASON : I don't recognize this inquiry. I would like it to be deleted from my credit report, I would like this to be deleted from my credit report immediately. Ive dealt with identity theft in the past. COMPANY NAME : XXXX XXXX XXXX XXXX : XX/XX/XXXX REASON : I don't recognize this inquiry. I would like it to be deleted from my credit report, I would like this to be deleted from my credit report immediately. Ive dealt with identity theft in the past. I never applied with this company, please remove this inquiry. COMPANY NAME : XXXX XXXX XXXX : XX/XX/XXXX REASON : I don't recognize this inquiry. I would like it to be deleted from my credit report, I would like this to be deleted from my credit report immediately. Ive dealt with identity theft in the past. I never applied with this company, please remove this inquiry. COMPANY NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX REASON : I don't recognize this inquiry. I would like it to be deleted from my credit report, I would like this to be deleted from my credit report immediately. Ive dealt with identity theft in the past. I never applied with this company, please remove this inquiry. COMPANY NAME : XXXX XXXX DATE : XX/XX/XXXX REASON : I don't recognize this inquiry. I would like it to be deleted from my credit report, I would like this to be deleted from my credit report immediately. Ive dealt with identity theft in the past. I never applied with this company, please remove this inquiry. COMPANY NAME : XXXX XXXX DATE : XX/XX/XXXX REASON : I don't recognize this inquiry. I would like it to be deleted from my credit report, I would like this to be deleted from my credit report immediately. Ive dealt with identity theft in the past. I never applied with this company, please remove this inquiry. COMPANY NAME : XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX REASON : I don't recognize this inquiry. I would like it to be deleted from my credit report, I would like this to be deleted from my credit report immediately. Ive dealt with identity theft in the past. I never applied with this company, please remove this inquiry. Sincerely, XXXX XXXX
Company Response:
State: WI
Zip: 53212
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: In progress
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Under 15 usc 1681i ( 7 ) EXPERIAN should have provided me with the results of their investigation. Instead they claim accounts were verified without providing me with a description of their investigation. This is a direct violation of my consumer rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30341
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: After reviewing my credit report I noticed inquires on my report which I did not do. 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 Please delete immediately
Company Response:
State: WI
Zip: 53051
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: In progress
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: Ongoing FCRA Violations and Credit Reporting Discrepancies on my credit reports with Experian, XXXX, and XXXX, specifically related to the charge-off account with the account number XXXX, originally held with XXXX XXXX XXXX . Despite multiple disputes and XXXX XXXXXXXX XXXX confirmation that the account is not currently reporting, it persists on my credit reports. XXXX XXXXXXXX XXXX response on XX/XX/XXXX, clearly stated that " the credit bureaus are not displaying this account on your credit report. '' However, subsequent disputes with the three major credit reporting agencies ( CRA ) have yielded inaccurate verifications. This situation is further exacerbated by the Experian representative 's statement on XX/XX/XXXX, asserting that XXXX XXXX needs to confirm that the account is no longer reporting to them not me. I find this perplexing, given that I have provided Experian with my dispute letter to XXXX XXXX and the corresponding response, yet the account still reports as verified. Furthermore, the discrepancy in reporting among Experian, XXXX, and XXXX raises serious concerns about the accuracy and consistency of the information they rely on. If XXXX XXXX asserts that the account is not reporting, why do all three CRAs independently verify its presence? I want to bring to your attention three critical issues that require immediate resolution : 1. **Expiration of Reporting Period** : The XXXX XXXX charge-off account has exceeded the permissible seven-year reporting period under the FCRA. It should have been removed from my credit reports upon reaching this time limit. 2. **Verification of Reporting** : Pursuant to the FCRA, I request verification of the accuracy of this charge-off account. Please provide the necessary documentation to substantiate its legitimacy. 3. **Sold to XXXX XXXX** : This account was sold to XXXX XXXX , making it a violation of the FCRA to continue reporting it under XXXX XXXX XXXX name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A