Date Received: 2024-01-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company. Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.
Company Response:
State: TX
Zip: 78641
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: Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Company Response:
State: MI
Zip: 48228
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: Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10550
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: 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. 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: SC
Zip: 29803
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: XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$0.00} Closed Overview You have XXXX XXXX left to pay on this loan. Balance {$0.00} Highest Balance XXXX XXXX Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX ) Term XXXX months Payment History Last payment XXXX XXXX, XXXX Current Payment Status In Collections/Charge-off Worst Payment Status No Info Account Details Account status Derogatory Type XXXX Loan Responsibility Individual Remarks Charged off as bad debt Purchased by another lender Times XX/XX/XXXX days XXXX XXXX Closed XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$0.00} Closed Overview You have XXXX XXXX left to pay on this XXXX XXXX loan. Balance {$0.00} Highest Balance XXXX XXXX XXXX payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX ) Term XXXX months Payment History Youve made XXXX XXXX of payments for this account on time. Payment history table, broken down by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current XXXX XXXX XXXX payment XXXX XXXX, XXXX Current Payment Status XXXX XXXX Payment Status XXXX Days XXXX Account Details Account status Derogatory Type XXXX XXXX XXXX mortgage Responsibility Individual Remarks Settled - less than full balance Times XX/XX/XXXX days late XXXX Closed XXXX XXXX, XXXX XXXX Inquiries When you apply for a new credit account, a XXXX inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal 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 XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Home/Office Furnishings Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$9100.00} Needs Attention Overview You have 91 % left to pay on this collection. Balance {$9100.00} XXXX Balance {$10000.00} Opened XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX Closed No Info XXXX XXXX Reported : XXXX XXXX, XXXX - {$0.00} Closed Overview You're currently using XXXX XXXX of your account 's limit. Balance {$0.00} Credit limit XXXX XXXX Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Payment History XXXX payment XXXX. XXXX, XXXX Current Payment Status XXXX Amount past due {$0.00} Worst Payment Status XXXX Account Details Account status Paid and Closed Type Credit Card Responsibility Individual Account. Remarks Account closed at XXXX XXXX XXXX XX/XX/XXXX days late XXXX Closed XXXX XXXX, XXXX Hard Inquiries When you apply for a new credit account, a XXXX inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX Financing XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX Dealers, New ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + XXXX Financing XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX Financing ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + 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: 78237
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: Investigation took more than 30 days
Consumer Complaint: I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Company Response:
State: TX
Zip: 77066
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: Public record information inaccurate
Consumer Complaint: In the course of reviewing my credit report, I spotted an inaccurate Public Information that need reporting and correction through your company. I have attached the copy of my dispute letters that were sent it to the Bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 705XX
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: Personal information incorrect
Consumer Complaint: I have sent letters and disputed this account multiple times. They came back as " verified '' without any proof. I have received a letter from XXXX XXXX stating there is errors and the account must be removed. This is the final attempt before my lawyers will be involved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89431
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: As a consumer, I assert that XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX has consistently violated my right to privacy, as protected by the Privacy Act of 1974. XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX, through its various iterations, has reported negative information on my credit report without my authorization, contravening the Fair Credit Reporting Act ( FCRA ), as explicitly outlined in 15 USC 1681 section 602a. This section of the FCRA emphasizes the imperative for consumer reporting agencies to discharge their responsibilities with fairness, impartiality, and due regard for consumer privacy, stating, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Pursuant to 15 USC 6801, I, as the consumer, retain the right to ensure that my private information is not disseminated without explicit consent. XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX, recognized as a financial institution under the same title, is subject to 15 USC 1681 section 604a section 2, which explicitly states, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' In this specific case, neither XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX nor XXXX, XXXX and Experian, consumer reporting agencies, possess my written consent to furnish this information, rendering their actions unlawful. I hereby unequivocally revoke any and all consent previously granted to XXXX, XXXX, Experian and XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX, whether such consent was verbal, non-verbal, written, implied, or otherwise. Additionally, it is noteworthy that XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, XXXX and Experian neglected to apprise me of my right to exercise the nondisclosure option, exacerbating their non-compliance with relevant laws. Furthermore, the inclusion of this adverse item in my credit report by XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX runs afoul of 15 USC 1681C ( a ) ( 5 ), which explicitly states, " Except as authorized under subsection ( b ), 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. '' XXXX, XXXX and Experian, as consumer reporting agencies, are duty-bound to uphold reasonable procedures designed to avoid such violations, as mandated by the requirements delineated in 15 USC 1681b . Additionally, 12 CFR 1016.7 further underscores a consumer 's right to opt out at any time from reporting services. Their failure to adhere to these standards indicates a breach of their obligations. In light of these documented violations, I have formally lodged a complaint with the Florida State Attorney General 's office against XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX for the violation of the Florida Consumer Collection Practices Act. Legal redress is imperative to address XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX 's unfair and deceptive practices, particularly the misrepresentation as an attorney 's office on my credit report. These actions not only infringe upon my rights but also necessitate the protection of the rights of numerous other consumers similarly affected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34639
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: Investigation took more than 30 days
Consumer Complaint: I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
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