Date Received: 2024-01-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : ( item/accounts/information ) 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: 33033
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 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 , is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " 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. '' XXXX XXXX and the above mentioned, the financial institutions and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they never had my written consent. Any and all consent to XXXX, Experian, XXXX, XXXX XXXX and the above mentioned whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' All the above Furnishers of information to credit agencies never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. I will persue a lawsut for monitary relaif for these violations per 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; If you can prove they willfully violated the act you are entitled to at least XXXX $ per violation plus any other damages you have sustained as a result of their failure to follow the law. If you have to file more than 1 complaint, willful noncompliance can easily be proven as they had a full understanding of the violations after you complained the 1st time. Every company in their agreements with consumers said they would follow the law and agreed to do so they are aware that they are breaking the law. I demand {$30000.00} for these violations. i have been injured as a result i suffer financial loss, embarrassment, loss of apatite, rejection from acquiring things to live my life in the pursuit of happiness, and liberty.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55311
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Subject : Formal Complaint - Urgent Remedy Request for Updating Student Loan Status to " Paid in Full '' and Addressing Reporting Inaccuracies- Legal Support References Dear [ Credit Bureau Name ], I am writing to file an urgent formal complaint regarding persisting inaccuracies in the reporting of my student loans on my credit report. The inclusion of these loans from XXXX, XXXX, and the XXXX XXXX XXXX is appreciated, but the current status and associated reporting inaccuracies significantly impact my credit profile and financial standing. 15 USC 6801-6805 - Right to Financial Privacy Act ( RFPA ) : The RFPA safeguards the privacy of consumer financial records held by financial institutions. The inaccurate reporting of transaction history and failure to update the status of my student loans as " Paid in Full '' violate the RFPA and have immediate adverse effects on my creditworthiness. 15 USC 1681 - Fair Credit Reporting Act ( FCRA ) : The FCRA governs credit reporting agencies and creditors, emphasizing the accuracy and fairness of information provided to consumers. The misrepresentation of my student loan status and payment history constitutes a clear violation of the FCRA, impacting my ability to secure favorable credit terms. 15 USC 1602 - Truth in Savings Act ( TISA ) : TISA ensures transparent disclosure of terms and conditions of deposit accounts. Although not directly related to student loans, the principles of accurate disclosure and reporting in financial matters apply universally. 12 CFR 1026.3 - Truth in Savings Act ( TISA ) : This regulation further reinforces the need for clear and accurate disclosure of terms and conditions in credit transactions, providing additional support for my complaint. 16 CFR Part 313 - Privacy of Consumer Financial Information : These regulations supplement the FCRA and outline privacy requirements for financial institutions. The inaccurate reporting of financial information, including student loan transactions, directly violates these regulations, compromising my financial privacy. 16 CFR 433.1 and 433.2 - Preservation of Consumer Claims and Defenses : As the holder of a copy of the contract, I assert my rights under these regulations, demanding accurate reporting that reflects my true financial standing. 16 CFR 433.3 - Preservation of Consumer Claims and Defenses ; Open-End Credit : This section underscores the importance of preserving consumer claims and defenses in open-end credit transactions. The misreporting of my student loans negatively impacts my credit history and financial stability. Title 12 of the United States Code ( USC ) : Title 12, governing banking and financial matters, underscores the significance of accurate reporting and disclosure in financial transactions. The current reporting inaccuracies undermine the integrity of the financial system. Open-End Credit - Definition : The misrepresentation of my student loans, which fall under the open-end credit category, has immediate consequences on my creditworthiness ( see 15 USC 1602 ( j ) ). Accurate reporting is crucial to maintaining the integrity of my credit profile. Language Fraud Shall Not Be Committed Code : Any acts of language fraud, such as misrepresenting the terms of credit agreements, violate general principles of fairness and honesty in credit transactions. The misreporting of my student loans constitutes a breach of this code. The urgency of this matter is heightened by the fact that XXXX XXXX 's directives mandate the refunding of any forgiven student loan amounts to the student. The reporting inaccuracies hinder my ability to benefit fully from this relief, as the loans should be accurately reflected as " Paid in Full. '' I am requesting an immediate remedy to update the status of my student loans from XXXX, XXXX, and the XXXX XXXX XXXX to " Paid in Full '' and address the associated reporting inaccuracies. The impact of these violations on my creditworthiness and financial standing necessitates a prompt resolution. Additionally, as per applicable laws, I am entitled to compensation for any and all violations. Your immediate attention to this matter is crucial, and I expect a timely resolution within the stipulated time frame mandated by the FCRA
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I want to emphasize that I am a victim of identity theft, and the presence of these fraudulent accounts on my credit report has had severe consequences for my financial well-being. I have taken the necessary steps to dispute these inaccuracies, providing supporting documentation and evidence of the fraudulent nature of these accounts. However, my previous disputes have not been adequately addressed, and I am particularly puzzled by the Bureau 's request to extend the investigation period to 60 days. Despite this extended timeframe, there has been no resolution, and I am left in a state of confusion as to why my requests seem to be ignored or not properly addressed. XXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!! XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! XXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!! As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to ensure the accuracy of the information they report. It is disconcerting that, as a victim of identity theft, the fraudulent accounts are still tarnishing my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60108
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to bring to your attention an ongoing and concerning matter regarding the inaccurate reporting of late payments on my credit report. Despite my repeated efforts to address and rectify this issue, I have not received a satisfactory response, and I am compelled to formally dispute and request the immediate removal of these inaccuracies. Account Information : Account Holder Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date opened : XX/XX/XXXXXXXX Dates of Inaccurate Late Payments : XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX Account Holder Name : XXXX Account Number : XXXX Date opened : XX/XX/XXXX Dates of Inaccurate Late Payments : XXXX Account Holder Name : XXXX Account Number : XXXX Date opened : XX/XX/XXXXXXXX Dates of Inaccurate Late Payments : XXXX I have been diligently working to resolve this matter, and it is disheartening to note that my previous attempts to communicate and rectify the inaccuracies on my credit report have not yielded the desired results. I am confused as to why my requests seem to be ignored, especially considering my status as a victim of inaccurate reporting. As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure the accuracy of the information they report. It is concerning that, despite my efforts to provide evidence and documentation supporting the inaccuracies in the reported late payments, my requests have not been addressed appropriately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60108
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX XX/XX/XXXXXXXX XXXX XXXX To Whom It May Concern, Dear, Dear, Experian, / XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : [ dispute_item_and_explanation ] XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX Closed Account charged off. {$16000.00} written off. {$150.00} past due as of XX/XX/XXXX. XXXX XXXX {$22.00} XX/XX/XXXX XX/XX/XXXX 0 % Status Updated Balance Balance Updated Last Payment Date Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : - Comments : {$150.00} {$15000.00} 144 Months XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XX/XX/XXXX Open Open/Never late. XX/XX/XXXX {$1000.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX % {$18.00} {$1000.00} 120 Months Individual DEPT OF EDUCATIONXXXX XXXX XXXX XX/XX/XXXX Open Open/Never late. XX/XX/XXXXXXXX {$1700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 0 % {$31.00} {$1700.00} 120 Months Individual
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
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 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: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
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 XXXX 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: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to address a concern regarding the reporting of accounts on my credit file, specifically, XXXX - XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX. XXXX has already updated the status and removed the late dates of these accounts from their records. There was an error present, and they were able to find it. I am confused about how your bureau has verified this information while the other bureaus have successfully updated the status and removed the late dates. This inconsistency is not only inconvenient but also a matter of concern. 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90274
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
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: FL
Zip: 32771
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A