Date Received: 2024-01-05
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: police report filed in XXXX XXXX FTC report filed for identify theft there are inquires on my report there are corporations who sold my information without my permission to third parties Credit Fair act-privacy was breached USC 15 6802
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 946XX
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: This complaint serves as a follow up notification regarding my unfortunate encounter with identity theft in the previous complaint dated XX/XX/XXXX. In compliance with Section 605b of the Fair Credit Reporting Act ( FCRA ), I have formally reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. As outlined in FCRA guidelines, Credit Reporting Agencies bear the responsibility to investigate all inquiries specified in an identity theft report : XXXX===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 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 Attached herewith are documents intended to facilitate the investigation of inaccuracies currently reflected on my credit report. The listed inquiries are not associated with my identity. Pursuant to FCRA Section 605B ( a ), Credit Reporting Agencies are compelled to initiate an investigation into any information identified by the consumer as resulting from alleged identity theft, no later than four business days from the date of receipt.
Company Response:
State: AZ
Zip: 85226
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: I trust this letter finds you well. I am writing to express my continued frustration and dissatisfaction regarding the unresolved issues related to both a persistently late open account and an inaccurate late closed entry on my credit file. Despite numerous attempts on my part, these issues persist, causing significant distress and harm to my credit standing. I have diligently pursued the correction of these entries through multiple attempts, as outlined below Initiated contact with your customer service department to address the late open account issue. Follow-up communication after the initial inquiry did not yield a satisfactory resolution. Submitted written documentation and evidence to demonstrate the discrepancy in the open account. Reported the inaccurately labeled late closed entry on my credit file to your institution. Submitted a formal written complaint, including comprehensive documentation and evidence supporting the inaccurate nature of the late closed entry. Engaged in follow-up communication, providing any additional information requested and cooperating fully in the investigation process. Despite these concerted efforts, both issues remain unresolved, adversely affecting my creditworthiness and financial standing. This situation is not only causing significant inconvenience but also eroding my confidence in the accuracy and reliability of the information on my credit file. I implore you to conduct a thorough and expedited investigation into both matters and take immediate action to correct the late open account and remove the inaccurately labeled late closed entry from my credit file. Additionally, I request transparent communication regarding the steps your institution is taking to prevent similar incidents in the future. If these matters are not addressed satisfactorily within the specified timeframe from the date of this letter, I may be compelled to explore alternative avenues, including reporting the issues to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to correct these late open account and remove the late closed accounts in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$320.00} - Please check the Payment History and Status information on this account and adjust accordingly. XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63135
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: XXXX and Experian are reporting my student loans to be late. My student loans were NEVER late. My student loans has always been in deferment even when XXXX XXXX administration policy act was in place. Student loans can not be placed in Bankruptcy unless there is an hardship shown per XXXX XXXX administration policy. Make the necessary changes to correct these negative marks on my credit report regarding all my XXXX STUDENT LOANS. There is also car loans on my credit report that do not belong to me the following are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please fix these remove this incorrect information immediately!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44087
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 am a victim of fraud as someone opened a account under my name and business
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30309
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 782XX
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 782XX
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: Please take a look at the attached letters and ID docs for verification that it is I 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: TX
Zip: 782XX
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 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: 77449
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: The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 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: 322XX
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A