Date Received: 2024-01-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35173
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Incorrect information on your report
Subissue: Personal information incorrect
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: 33161
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX and distress
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60652
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This reporting is inaccurate and is in violation of the Fair Credit Reporting Act. I am writin15 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. g to dispute inaccurate information on my credit file, which has been reported by Experian. This agency violated my rights as a consumer. accounts in questions are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75063
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX may have made an inquiry on my Experian credit report, even though I had made no request for a card or credit. - When the loss or theft of personal information occurred or when the fraud ( s ) occurred : XXXX XX/XX/XXXX- How you discovered or learned of the theft : Experian reported to me that there had been a hard inquiry on my credit report. - Any known information about the perpetrator : Experian identified " XXXX XXXX XXXX '' - The names of creditors and account numbers involved in the theft - The filing date and case number : I filed a dispute with Experian XXXX XX/XX/XXXX. They indicate Report Number is : XXXX Investigation ID is : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06851
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I have received 6 emails from two Experian representatives. XXXX XX/XX/XXXX XXXX Experian smart money digital checking account with {$1000.00} offer XX/XX/XXXX XXXX New Credit card offer XX/XX/XXXX XXXX balance ( {$960.00} ) transfer offer to a new card Due to the nature of credit report company, thy company must know the customer 's monthly payment ; therefore, I need to ask which month of credit card owing amount you mentioned here. I have checked the credit report from XXXX at this moment, and unable to find out any month in which I was charged {$960.00} for more than 2 years. Kindly, would you explain this discrepancy with another major credit report company in the United States, as another major credit report company, Experian. XX/XX/XXXX XXXX view full credit profile, which usually ended up to the credit card offer site XXXX XXXX credit report, which is same. I requested to send the formal printed out report, if this office and other office continues to change the content. Just give me the printed one as their evidences, compare the contents, and disputes. I attached the screen shot of one email which this office says the important information. There are two issues. I continued to send the printout to the office, XXXX XXXX XXXXXXXX, XXXX, TX XXXX, the copies of social security number and driver 's license, same as other credit reports companies. I realized this addressed Experian office asked me the removal of my name from pre-approved credit offer mailing lists. This office sent me another postcard yesterday. In total, this office sent same postcards, which scanned and attached at least four times. In email from above-mentioned which starting from 'dispute ' asked me to submit my personal identity proof and address proof, such as " One copy of a utility bill, bank or insurance statement, etc., '' which I have never asked to be submit by other credit union companies, except recently received credit card offer company, XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed this collection on my credit report that I did not authorize, it was fraudulently and inaccurate reported..Account name XXXX XXXX account XXXX XXXX. I also asked for a thorough investigation for this matter and to send me original documents with my signature signed by me stating I own this collection from the original creditor.. NOTHING WAS DONE OR CHANGED ON MY CREDIT REPORT BUT NOTED IT WAS ACCURATE WHICH CAN NOT BE. I DON'T PERMIT THIS ACCOUNT ON MY CREDIT REPORT AND I WANT THIS ACCOUNT XXXX XXXX Account Number # XXXX DELETED IMMEDIATELY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44144
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX SSN # XXXX Date : XX/XX/XXXX Experian, Subject : Dispute Regarding Initial Notice Sent to Non-Mailable Address Account Name : XXXX XXXX XXXX Account Number # : XXXX I am writing to dispute an entry on my consumer report concerning an initial notification from XXXX XXXX XXXX, XXXX, dated XX/XX/XXXX. The initial notification was sent to a NON-MAILABLE ADDRESSS ( See Attached Exhibit A ), XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX, and as a result, I request its IMMEDIATE REMOVAL from my consumer report. I also filed out an FTC Report for Aggravated Identity Fraud against XXXX XXXX XXXX, XXXX for sharing my PERSONAL IDENTIFY INFORMATION with a Non-affiliated Experian, XXXX XXXX, and XXXX. ( see attached Exhibit B ) Notification of Negative Information : Section 623 ( a ) ( 7 ) requires that if negative information is provided to a CRA, the furnisher must notify the consumer of this information in writing within 30 days of reporting it. Sincerely, XXXX XXXX XXXX 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. 15 U.S. Code 1681i ( a ) ( 4 ) Consideration of consumer information in conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. Best Regards XXXX XXXX XXXX Immediate Removal and/or Deletion from all consumer reporting agencies. 15 U.S. Code 1692k - Civil liability U.S. Code Notes Remedy for monetary damages 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681o - Civil liability for negligent noncompliance 5 U.S.C. 1681i ( a ). Failure to conduct a reasonable reinvestigation violates the FCRA. 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S. Code 1681i ( a ) ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. XXXX XXXX : {$4000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 403XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Experian is now fabricating complaints saying I submitted 2 complaints on XX/XX/2023 and states it about to things I closed a year ago b paying off debt, FRAUD FRAUD FRAUD, This company has no idea what is going on with my account for almost 20 months, THEY ARE DAMAGING MY CREDIT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65202
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A