Date Received: 2024-01-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XXXX XXXX XXXX after being denied for an apartment, I pulled my Consumer credit report and found that possible violations of my consumer rights according to TITLE 15. A XXXX XXXXXXXX XXXX is negatively and inaccurately reporting an old credit account I had with them as a CHARGE OFF Status on my consumer credit report. This account was a XXXX XXXX XXXX funded by me, the account holder. XXXXXXXX XXXX XXXX is reporting against this account as if they suffered some type of damages. They did not loan any monies to fund this account. All monies were provided by the account holder when the account was opened. XXXX XXXXXXXX XXXX did not send me at 1099C if they did Charge off this debt. XXXX XXXX XXXX is reporting my performance on this account which was a XXXX XXXX. I was not given any notice before this information was added to my consumer report. The reporting of this inaccurate information is harming me and hindering me from obtaining services on credit. Per 18 USC 1028 ( a ) Since I did not give permission for them to provide this information to my consumer credit report, this would be considered Identity Theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85705
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: I hope this letter finds you well. I am writing to express my frustration and disappointment regarding the numerous attempts I have made to correct a persistently late open account with your company. Despite my continuous efforts to address this matter, the issue remains unresolved, causing significant inconvenience and dissatisfaction. I would like to bring to your attention the following instances where I have sought to rectify the late open account : Despite these repeated efforts on my part, the late open account issue persists, and I have yet to receive a satisfactory resolution. This situation has not only caused me considerable stress but has also adversely affected my perception of your company 's commitment to customer satisfaction. I understand that mistakes can occur, and I am willing to work together to find a solution to this matter promptly. However, the lack of responsiveness and resolution is unacceptable. I kindly request that you investigate this matter thoroughly and provide a comprehensive response outlining the steps your company will take to rectify the late open account. If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I may have no choice but to explore alternative avenues, including lodging a formal complaint with relevant consumer protection agencies and seeking legal advice. I am asking for your assistance to correct this late open account in my credit file : OFFICE OF THE ATTY GEN XXXX Balance : {$74000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76140
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: I am reaching out once again to address the items previously highlighted in the complaint dated XX/XX/2023, categorized under each specified bureau. I urge you to expeditiously eradicate these entries from my credit reports in compliance with the Fair Credit Reporting Act ( FCRA ). The following items are identified for removal under each bureau : EXPERIAN : 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 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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55104
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: It has come to my attention that despite my numerous attempts to dispute the account listed below, they still remain on my credit report. Your lack of action in this matter has left me extremely frustrated and angry. XXXXXXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : Balance : {$32000.00}. It is unacceptable that your response to my previous disputes regarding this account was that they were " previously investigated ''. This response is not only inadequate but also shows your lack of concern for my legal rights. I remind you that under 15 U.S.C. 1681i ( a ) ( 1 ) ( a ), each time a consumer reporting agency receives a dispute, it is required to reinvestigate the dispute free of charge and record the current status of the disputed information or update the item from the file within 30 days. Failure to do so is a violation of the FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07621
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: I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. XXXXXXXX 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 XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77084
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: Account information incorrect
Consumer Complaint: I have requested verification under oath of the following : the name and address of the original creditor & the profit net loss statement from XXXX XXXX XXXX XXXX XXXX XXXX regarding acct # XXXX appearing on my Experian report # XXXX. Both have been requested to be verified under oath and I have yet to receive them. I am disputing this alleged account with XXXX XXXX XXXX XXXX, former CEO XXXX XXXX, Chief of Staff XXXX XXXX, & Experian. I also did not give consent to XXXX XXXX XXXX XXXX XXXX XXXX performing an inquiry on my consumer report on XX/XX/2023. XXXX XXXX XXXX XXXX XXXX XXXX has already been found guilty of false, misleading and deceptive practice and fined XXXX XXXX by the CFPB for similar practices so this is willful non-compliance. I am invoking my specified remedy as the original creditor and demand for XXXX XXXX XXXX XXXX XXXX XXXX. to immediately cease all communication with all third parties such as Experian, XXXX, XXXX, and any and all other affiliates and non-affiliates. Experian has a grave responsibility to ensure accuracy of all credit reporting.
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: 2024-01-05
Company Response to Consumer: Closed with explanation
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: I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to address a concern regarding the accuracy of my credit report. After reaching out to XXXX - XXXX XXXX regarding the validity of the debt, I did not receive any information to substantiate the claim. Upon reviewing my credit report, I noticed that the account with the following details is incorrectly reported as a late payment account with a balance due : XXXX - XXXX XXXX XXXX Open Date XX/XX/2007 Balance : {$93000.00}. I understand the importance of accurate credit reporting, and I appreciate your prompt attention to this matter. Please investigate this discrepancy and make the necessary corrections to ensure the integrity of my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90024
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 information incorrect
Consumer Complaint: YOU ARE REPORTING THESE ACCOUNTS INCORRECTLY. I HAVE BEEN A GOOD PAYING CUSTOMER EVIDENT ON THE HISTORICAL RECORDS OF THE ACCOUNTS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
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: I received the notification from Experian Report on XXXX, saying XXXX XXXX XXXX XXXX has flagged my account as Collections. Since I am sure I did not owe anything so I checked the company named as " XXXXXXXX XXXX XXXX XXXX '' as soon as possible. Information showed here : Company : XXXXXXXX XXXX XXXX XXXX ; Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/XXXX ; Balance : {$310.00}. I called them quickly on XXXX, and they told me they can not find any record in their system including my name and my date of birth, so I do not need to worry about that and could submit a dispute report with Experian , which should be fine. Therefore, I called Experian to submit a dispute report on XXXX quickly and they opened a case for me to investigate the thing. However, on XXXX XXXX I received the result from Experian, saying the Collection would be remained, since " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details ''. Then I looked for the details, and I saw this report showed XXXX names, XXXX is mine, " XXXX XXXX '', the other is " XXXX XXXX '' I can not recognize. I promise and make sure I never used other names and never know the " XXXX XXXX ''. Thus, I called the Experian firstly to ask for the reason of the dispute failure. However, the person was indifferent and said nothing they can do and it is not their responsibility to link XXXX names together. Also, they told me because I was associated with XXXX in XXXX XXXX before, so it might be the reason I owe the money. However, I moved from XXXX apartment XXXX years ago, which is so ridiculous and irresponsible. Even though, I called XXXX to check whether I need to pay any money to them and they helped me to check and told me " no ''. On XX/XX/XXXX. I received the letter from the debit company. But as I said before, I am NOT XXXX XXXX and before the debit company confirmed that my name is not linked to XXXX XXXX and reported XXXX XXXX 's case to three credit bureau departments individually but only Experian reported the thing. In conclusin, I felt there would be identity theft with Experian. Even I resubmitted the Experian again, but I can not trust neither of them, XXXX XXXX XXXX XXXX and Experian. I have submitted a complaint before but nothing could be solved from the debit company. It looks like because me, XXXX XXXX and the person, XXXX XXXX, has similar first and last name and we all lived in XXXX XXXX XXXX before so Experian mixed us. I hope this record can be removed from Experian as soon as possible since it impared my credit score for XXXX points and limit my activity in the future. Thanks for your patience to read my message and I hope that could be solved as soon as possible. To be specific again, I am not XXXX XXXX, and I only have XXXX name XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32607
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: Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : Bankruptcy Chapter XXXX XXXX Bankruptcy Chapter XXXX XXXX Bankruptcy Chapter XXXX XXXXXXXX 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 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 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: TX
Zip: 76116
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A