Date Received: 2024-01-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft please remove this fraud inquiry from 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: 95376
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: Under the FTC law and my report filed these 2 inquiries need to be removed from my report. I " am now seeking damages of {$1000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78613
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 strongly desire not to have this on my credit report. It is not belong to me. It is fraud!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 354XX
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: Account information incorrect
Consumer Complaint: Sent notarized letters to request for a thorough investigation of my credit report. Requested old addresses and names no longer used to be removed. But they remain. Requested information on how validation was acquired, and received no information regarding the method used to validate the accuracy of the report. Disputed online and sent three letters requesting the information, the last letter dated XX/XX/2023. The information requested was not provided. Accounts were removed from the report and placed back on again. Each agency reports ( XXXX, Experian, and XXXX ) reporting different information, ( i.e. last payment dates, open accounts showing closed on one report and charged off on another. Late payments of XXXX dates showing on XXXX report and 150 days on another, or profit and loss ). This has caused me hardships and an inability to be able to acquire credit. Unable to receive a printed letter from XXXX and can not access my report online without having to become a member.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 751XX
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 am a victim of identity theft please remove this fraud inquiry from 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: 60637
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: I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 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: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22041
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: 2024-01-04
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: CREDIT REPORTING AGENCIES Each year I request my consumer reports from XXXX, XXXX, and Experian. I request updates but to no avail. Its not only frustrating but a waste of time and money to ask repeatedly for the same information to be either verified, removed, and/or updated. Especially sending an Affidavit of Identity, and copies of two ID cards to verify myself as the consumer. a. My request is to have All three agencies update the following information : 1 ) Name : XXXX XXXX XXXX 2 ) Address : XXXX XXXX XXXX XXXX, North Carolina XXXX 3 ) Employer : XXXX XXXX XXXX Experian ( 1 ) Reinserted an address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that was deleted some years ago. ( Ref. FRCA ( a ) ( 5 ) ( b ) ( ii ) ). ( 2 ) Reporting accounts ending in XXXX, XXXX, XXXX as income ; Account XXXX XXXX XXXX XXXX is being reported as income. ( 3 ) XXXX XXXX XXXX account # XXXX was paid in full in a settlement. ( 4 ) XXXX XXXX account # XXXX was paid I in full in a settlement. ( 5 ) XXXX XXXX XXXX XXXX RE-AGED ACCOUNT # XXXX ; Account was opened in XXXX ( XXXX XXXX ) with the last payment being listed as XX/XX/XXXXXXXX XXXX ; the same day the XXXX XXXX account number XXXX was opened. ( Ref. FCRA sec 605 ( c ) ) ( 6 ) Thirty-three ( 33 ) inquires on my credit report without written permission. ( Ref Privacy Act 1974 ) ( 1 ) Reported a name XXXX XXXX. I requested that ALL personal information be updated to the information listed above. DO NOT USE AKAs. XXXX XXXX ( 1 ) Reported a name XXXX XXXX. I requested that ALL personal information be updated to the information listed above. DO NOT USE AKAs. ( 2 ) Reporting accounts ending in XXXX, XXXX, XXXX as income ; Account XXXX XXXX XXXX XXXX is being reported as income. ( 3 ) XXXX XXXX XXXX account # XXXX was paid in full in a settlement. ( 4 ) XXXX XXXX account # XXXX was paid I in full in a settlement. ( 5 ) XXXX XXXX XXXX XXXX RE-AGED ACCOUNT # XXXX ; Account was opened in XXXX ( XXXX XXXX ) with the last payment being listed as XX/XX/XXXX ; the same day the XXXX XXXX account number XXXX was opened. ( Ref. FCRA sec 605 ( c ) ) d. XXXX ( 1 ) Reinserted an address ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX that was deleted some years ago. ( Ref. FRCA ( a ) ( 5 ) ( b ) ( ii ) ). ( 2 ) Reporting accounts ending in XXXX, XXXX, XXXX as income ; Account XXXX XXXX XXXX XXXX is being reported as income. ( 3 ) XXXX XXXX XXXX account # XXXX was paid in full in a settlement. ( 4 ) XXXX XXXX account # XXXX was paid I in full in a settlement. ( 5 ) XXXX XXXX XXXX XXXX RE-AGED ACCOUNT # XXXX ; Account was opened in XXXX ( XXXX XXXX ) with the last payment being listed as XX/XX/XXXX ; the same day the XXXX XXXX account number XXXX was opened. ( Ref. FCRA sec 605 ( c ) ) ( 6 ) Thirty-three ( 33 ) inquires on my credit report without written permission. ( Ref Privacy Act 1974 ) ( 1 ) Reported a name XXXX XXXX. I requested that ALL personal information be updated to the information listed above. DO NOT USE AKAs.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
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: 2024-01-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I recently reviewed the copy of my credit reports. I noticed some inaccurate late payments that violated the consumer and FCRA law for not reporting accurately. I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 977XX
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: Information belongs to someone else
Consumer Complaint: I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46375
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: Account information incorrect
Consumer Complaint: This complaint involves the following parties : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Attn : XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX ( as Identured Trustee ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX EXPERIAN Attn : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX : XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Please note that Ive already tried repeatedly to resolve these issues ( with all parties ) via certified mail before filing this CFPB complaint. Summary of Problem / Complaint Details XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) is committing securities fraud and willfully violating the Fair Credit Reporting Act by furnishing false, inaccurate, non-public information to non-affiliated third parties ( specifically credit agencies EXPERIAN, XXXX and XXXX ). XXXX XXXX sent XXXX a written request to OPT-OUT ( per 15 USC 6802 and 16 CFR 313.7 ) via certified mail back in XXXX of XXXX, which XXXX ignored. Included in this same round of certified mail was also a notorized affidavit from XXXX XXXX detailing 16 different statements of fact which XXXX also ignored and did not respond to. Rather than conducting a reasonable investigation into XXXX XXXX concerns and addressing the 16 specific issues listed, XXXX Customer Solutions mailed back a generic response letter ( dated XXXX XXXXXXXX XXXX / addressed to XXXX XXXX ) stating that they investigated the concerns and determined that no billing error occurred because their records indicate the credit reporting regarding this account is accurate ; despite XXXX XXXX having documented over 48 factual discrepancies and FCRA violations at that time. This generic response letter from XXXX also listed a total outstanding balance of {$590.00} despite this account having been charged off and closed in XXXX Theres no way a closed/ charged off account can still have an outstanding balance in XXXX In addition to this generic response letter, XXXX attached a copy of the accounts transaction history which shows that the account accrued finance charges and a currency conversion fee in XXXX XXXX despite XXXX reporting that this account was charged off in XXXX ). Again, once an account is charged off, that account is considered CLOSED. So theres no way an account that was closed/charged off in XXXX could suddenly be accruing finance charges and currency conversion fees one year later in XXXXXXXX XXXX XXXX has sent multiple rounds of certified mail to XXXX in an attempt to resolve this matter in good faith outside of court ; this certified mail has included a formal cease and desist letter, a follow up estoppel letter and letter of demand with invoice, yet XXXX willfully persists in furnishing false information to the credit agencies ( violating 15 USC 1681s-2 ) as well as the Privacy Act of 1974, the Truth in Lending Act and the Securities Exchange Act of 1934. XXXX XXXX has also repeatedly notified the credit agencies EXPERIAN, XXXX and XXXX via certified mail about this matter, sending them formal cease and desist letters, estoppels and letters of demand with invoices, yet all three credit agencies continue to willfully report this false, inaccurate, non-public information ( furnished to them from XXXX ) despite the ongoing factual discrepancies that they have been notified of time and time again. Rather than conducting reasonable investigations into the matter, EXPERIAN, XXXX and XXXX conducted superficial examinations based on presumption ( not proof ) that XXXX was telling the truth without requiring XXXX to provide actual account documentation that could be verified. This is a violation of the Fair Credit Reporting Act ( 15 USC 1681i ). XXXX XXXX has attached his most recent XXXX report ( dated XXXX XXXXXXXX XXXX ) to this CFPB complaint which shows side by side that all three credit agencies are reporting wildly different information in regards to this XXXX account. EXPERIAN, XXXX and XXXX are reporting different high balance amounts, different dates of last activity, different dates opened, and all list a current balance owed while simultaneously reporting that this account was closed/charged off. Theres no way a closed/charged off account still has an active balance. EXPERIAN, XXXX and XXXX should all be reporting the same information for this XXXX account, yet they are not. This is proof that EXPERIAN, XXXX and XXXX are not doing their due diligence in verifying the maximum possible accuracy of the information being furnished to them by XXXX. This also shows that the credit agencies are not exercising their grave responsibilities with fairness, impartiality and respect with the consumers right to privacy, thus impairing the efficiency of the banking system and undermining public confidence ( 15 USC 1681 ). This is grounds for immediate deletion of this XXXX account from all of XXXX XXXX credit reports ( per 15 USC 1681i ). Per 15 USC 6805, it is now the CFPBs responsibility to enforce compliance in this matter and see to it that XXXX XXXX credit reports are promptly corrected and that XXXX XXXX is now compensated for FCRA violations in the amount of {$1000.00} per violation ( per 15 USC 1681n ). Please see the attached documents which include notices of default and opportunities to cure. XXXX XXXX has also attached updated invoices addressed to XXXX, EXPERIAN, XXXX and XXXX. XXXX XXXX has repeatedly attempted to resolve this matter in good faith for over a year now. This will be his last attempt to settle outside of Federal court where XXXX not only be seeking compensation for FCRA violations, but also attaching claims for securities fraud and damages upwards of 4 times what hes requesting compensation for at this time. In conclusion, the outcome desired is that this XXXX account should not be showing any transaction history ( including late payments and charge-offs ). Transactions are not allowed to be included in consumer reports ( per 15 USC 1681a ). Also, 15 USC 1666b makes it clear that payments on a consumer credit plan can not be marked as late for any purpose. Additionally, charge-offs are considered certificates of indebtedness ( which the IRS considers income per publication 4681 ), so charge-offs are also not allowed to be reporting. The only thing XXXX, EXPERIAN, XXXX and XXXX have XXXX XXXX permission to report is that this account was PAID IN FULL, ON TIME, AS AGREED. No adverse information should be reporting. Any information beyond this would be considered furnishing a deceptive form with the intent to mislead the public ( 15 USC 1692j ). From the beginning, XXXX engaged in contract and securities fraud. XXXX used misleading and deceptive language and practices to elicit a signature for an alleged purchase money loan, but XXXX XXXX never recieved any cash advance in exchange for finance charge ( 16 CFR 433.1 ). Instead, XXXX conducted a consumer credit transaction whereby XXXX XXXX signature was used ( without his full knowledge and understanding ) to securitize a bond on a promissory note which is now an obligation of the United States ( per 18 USC 8 ). This was a violation of 17 CFR 240.14a-9 and 17 CFR 240.15c1-2.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92648
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A