Date Received: 2024-01-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I recently checked my credit report and noticed there were unauthorized accounts reporting
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75051
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My XXXX card is XXXX, i have closed my credit card of XXXX Bank and paid all the dues but still the Experian and XXXX reports shows that I need to pay pending dues. This is impact my credit score alot where as XXXX has updated it as a closed account. The dues were paid before XXXX months and from last XXXX months i'm raising disputes to Experian and XXXX but not help.this is effecting my credit score alot. Please find the attached XXXX from my XXXX credit bank in the below.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33133
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress. I implore you to correct this error without delay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33180
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Per your reinvestigation, you did not provide me with any true and accurate information as to the results of your investigation of my consumer credit dispute. You are relying on the furnisher data to report the accuracy of data on my CRA report. You have not provided me ANY documentation of validation of debt nor have you provided me any relevant information from XXXX XXXX XXXX XXXX to support validation of this debt. You have not followed the law per 15 U.S.C 1681 ( i ).
You have a vested interest with [ credit card company or bank ] and are receiving payment/dividends from XXXX XXXX XXXX XXXXXXXX in your contractual relationship with XXXX XXXX XXXX XXXXXXXX XXXX I previously submitted documented evidence of my payment for settlement of the above referenced account.
You MUST delete and remove all errant report of this account from my consumer credit report.
Please provide your description of procedures used to come to the conclusion that dispute was verified and validated by furnisher.
Who did you communicate with ( Name, authority, phone, email & address ) When did you communicate with XXXX XXXX XXXXXXXX XXXX? Date & Time Method of communication and all documentation The name, phone and email of person in your company that communicated with XXXX XXXX XXXXXXXX XXXX
Provide me a detailed documentary evidence of your communication with XXXX XXXX XXXX XXXX Please provide me the signed disclosures that are required authorizing XXXX XXXX XXXX XXXX or YOU to disclose, verify and validate my consumer account.
Your procedures are required to be fair and impartial. You have NOT given ANY consideration to my validated evidence which in a violation of 15 U.S.C.
What information did you use to base your modification of my consumer report?? Was it solely on the information provided the furnisher?? I provided you evidence and my firsthand affidavit of the account settlement if full.
XXXX XXXX XXXXXXXX XXXX does not have ANY verifiable proof that they have obtained my permission either verbal or written that they have permission to report my consumer information to you in the first place.
I have a right to privacy. I filed an identity theft report with the FTC XXXX XXXX XXXX XXXX stole my identity and furnished you with inaccurate information.
You have a grave responsibility to fairness and impartiality with respect to my right to privacy. You are violation of 15 U.S.C 1682. You have a biased reporting process as you have a contract XXXX XXXX XXXX XXXX and are profiting from my private protected personal information on a business transaction that has nothing XXXX XXXX XXXX XXXX. Your business transaction with XXXX XXXX XXXX XXXX is hurting and harming me as a consumer.
XXXX XXXX XXXX XXXX refused my request of the name of original creditor, name address and phone of original Creditor. I sent you this information in my previous communication to you. You have it in your files.
I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists.
You deleted XXXX From My credit report and added the account back but did not suply me information that you would reinsert the same disputed account before you placed back on my report. GRAMM-LEACH-BLILEY ACT SEC. 502. OBLIGATIONS <
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75039
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Prior to the pandemic I opened accounts with XXXX and XXXX XXXX. When the pandemic occurred, I called both lenders and expressed my hardships along with making accommodations to pay and close the accounts. I recently viewed my credit report and both lenders are reporting late payments on closed accounts. This is in violation of FCRA law 15 USC 1681 S-2 ( F ). Not only were these payments covered under the CARES act, but I've paid as agreed and closed both accounts per my request. I reached out to both CRA ( Experian and XXXX ) via phone and mail requesting that this information be reported accurately. I have not gotten a response to my request. This information reporting inaccurately is severely affecting my ability obtain lines of credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: You stated that the accounts in question were reporting accurately when I have provided proof that you are reporting incorrect late payment status ( See enclosed letter from company ). This is my final notice to your company regarding the inaccurate information. I am demanding that Experian remove the late payments reporting XX/XX/2018 for the mentioned 5 accounts. XXXX and XXXX have since updated this information. If this is not updated within 7 days, I will be seeking litigation in small claims court. I am tired of trying to correct your incorrect reporting when I can just sue your company for defamation of character and gross misconduct. Please be aware that FCRA violations can be awarded up to XXXX per violation. The account that is extremely inaccurate is the account that is reporting a balance of {$4000.00} to Experian while {$3500.00} report to XXXX and XXXX. I will attach each account that is incorrect. Update EVERY account to paid as agreed never late immediately. I am also notifying my attorney just in case we have to go to court for your negligence. See the attached dispute letter, response letter, and credit report and update or remove the accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78154
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is a XXXX XXXX account on my credit. Someone used my name and information to purchase a credit card that I have no knowledge about. I need them to remove this information and credit card off my name and my credit score and report. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30501
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Experian is reporting a wrong bankruptcy in my credit report..They cant proof it as mine,,,, because the court says they never report it to them..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A