Date Received: 2024-01-02
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Once again in the middle of the night after the XXXX experian starts yet again not telling the truth and begins again trying to extort money for correct credit scores. Experian states that your payment history is 35 % of your credit score well what happens when experian Wipeout 19 NOW GOING ON 20 months of on time never late payments to XXXX and refuse to give them back
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: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance With the fair credit Reporting act XXXX Account # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX has violated my rights 15 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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91351
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below I've previously submitted, along with XXXX, XXXX, Experian, XXXX XXXX, XXXX XXXX XXXX, etc. has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 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. Various inaccuracies in all, especially when the reports are compared. From scores, to dates, to amounts, to payments, to limits, names and etc. Violations of the Privacy Act 1974. Also the law says that it is illegal to report transaction history. 15 USC ( XXXX ) Right to opt out of anything on my credit report, as I have, and monthly opt out docs are supposed to be sent out, which I have never recieved. Banking terms and agreements clearly states that they do not provide consumer transaction info to non-affiliates and third-parties. XXXX, XXXX, Experian, XXXX XXXX, XXXX XXXX XXXX are all third-party affiliate companies. These are violations under their own terms and conditions, and are subject to $ XXXX fine per time reported, per company, per violation, from the inception of each account. I require to be compensated in the maximum monetary relief for each violation, as well as humiliation, pain and suffering, mental anguish, and my time, from every company involved in these practices. 15 USC XXXX Civil Liability- each violation is {$1000.00} per individual action, each action, or word. *Official NOTICE was given* Per FCRA as a federally protected consumer, I have already and am now opting out of any verbal, nonverbal, written and unwritten authorization, that I the consumer may have given to report anything negative or adverse on my consumer report, per XXXX XXXX XXXX XXXX immediately and indefinitely. Anything reported as a charge off is now reported as income, or certificate of indebtedness, by IRS publications and findings and can not be reported on a credit report, and must be removed. Also please provide me with all documentation used to prove that I have open accounts with all institutions, banks, companies, etc. that are listed as Inquiries on my reports Also see : 16 CFR 433.1, 16 CFR 433.2, 16 CFR 433.3 15 USC 1692d ( 3 ), 15 USC 1692e, 15 USC92g, 15 USC 1692h, 15 USC 1692j, 15 USC 6802, 15 USC 6802 ( 1 ) ( a ) ( b ) ( c )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70119
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: Their investigation did not fix an error on your report
Consumer Complaint: I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$9300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: SC
Zip: 29203
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is one being reported. Please see this account is removed from my file at once. Bankruptcy XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!!!! If you continue to report this information without truly verifying the information I will be seeking a legal remedy. Ive already discussed this matter with my attorney & he will draw up the federal case within 30 days of this letter if its not removed. Please see this matter is removed at once.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90044
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to bring to your attention certain concerns regarding the information contained in my consumer credit report, as provided by Experian, XXXX and XXXX. As a consumer, I am keenly aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the importance of ensuring the accuracy, fairness, and privacy of my credit-related information. Under 15 USC 1681, Section 602a, there is a fundamental need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Furthermore, 15 USC 6801 underscores Congress 's policy that each financial institution has an ongoing obligation to respect the privacy of its consumers. I have recently become aware that [ XXXX XXXX XXXX ], a financial institution by definition, has reported certain information to your agency without obtaining my explicit consent as required by 15 USC 1681, Section 604a, Section 2. Additionally, I must assert my right to revoke any and all authorizations, whether verbal, nonverbal, written, implied, or otherwise, in accordance with 15 USC 6802 ( b ) ( c ). Moreover, it has come to my attention that the reported information includes adverse items, violating the statutory provision of 15 USC 1681 ( c ) ( a ) ( 5 ), which prohibits consumer reporting agencies from including certain items of information without proper authorization. I wish to emphasize that, as per 15 USC 1681s-2 ( A ) ( 1 ) ( a ), any information furnished to a consumer reporting agency must be accurate. Given the discrepancies I have identified, it is evident that there may be inaccuracies in the reported information, constituting a potential violation of the law. Furthermore, 15 USC 1681E mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of section 1681C and limit the furnishing of consumer reports to the purposes listed under section 1681B. I am concerned that the procedures in place may not be sufficient to meet these statutory requirements. In light of the aforementioned issues, I am formally disputing the accuracy of the information reported by [ XXXX XXXX XXXX ] and kindly request a thorough investigation into the matter. I have enclosed relevant documentation supporting my claim for your review. Please be advised that, under 12 CFR 1016.7, I am exercising my right to opt out of any adverse reporting services provided by [ XXXX XXXX XXXX ]. I trust that you will promptly investigate this matter and take the necessary steps to correct any inaccuracies in my credit report. Thank you for your prompt attention to this matter. I anticipate your cooperation and a swift resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70127
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: Their investigation did not fix an error on your report
Consumer Complaint: When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92843
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 information incorrect
Consumer Complaint: Over 2 months fighting against to XXXX or XXXX credit account. By the FCRA the credit card issuer should report correctly to consumers credit report, this company is full of false, I paid 2 days before payment ORIGINAL DATE but they reported as no payment, second : I will upload 3 credit Bureaus report and there is showing 3 different names and account numbers. By the Law, account must report at least 6 digits or numbers in credit report which are missing, In XXXX and XXXX is showing me issuer name is XXXX and Experian showing XXXX XXXX, I contacted XXXXXXXX XXXX and they responded that they are no longer owning XXXX account, 4 months ago I receive message that XXXX will be reporting as XXXXXXXX XXXX now XXXX is responding that they don't control XXXX accounts. Major thing is they sold the company without getting consumers authorization, I don't allow anyone to sell my information even to trusted banks in USA. I'm getting chagred for some transactions which shouldn't be like that. I know the Federal Law and I DEMAND THIS ACCOUNT SHOULD NOT REPORT ANYMORE AND ASKING CFPB TO FOLLOW THE FEDERAL LAW AND PUSH THEM TO DELETE THIS ACCOUNT OF MY 3 CREDIT REPORTS ....
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89148
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I complaint this complaint because I receive a response from the 3 credit bureaus saying I not sending letters on my own the bureaus said that I'm using 3th party to send my dispute letters which is wrong I sending it on my own. I will list all the fraudulent, inaccurate and unauthorized accounts and inquiries : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$1500.00} Account Name : XXXX, XXXX. Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$490.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$660.00} Account Name : XXXX XXXX Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$260.00} Account Name : XXXX XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$170.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX Account Number : XXXX When was the Account opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX When was the Account opened : XX/XX/XXXX Account Balance : {$710.00} Account Name : XXXX Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$2500.00} Account Name : XXXX XXXX Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$1800.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$1500.00} Account Name : XXXX XXXX XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$1200.00} Account Name : XXXX, XXXX Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$490.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$660.00} Account Name : XXXX XXXX Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$260.00} Account Name : XXXX XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$170.00} Account Name : XXXX XXXX Account Number : XXXX When was the Account opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$2500.00} Account Name : XXXX XXXX XXXX Account Number : XXXX When was the Account opened : XX/XX/XXXX Account Balance : {$710.00} Inquiry Name : XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Inquiry Name : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Inquiry Name : XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX Inquiry date : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry Name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX Inquiry : XXXX XXXX, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18102
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: Demand for Compliance with 15 U.S. Code 6802, 12 CFR 1016.7 Section ( a ), 5 U.S. Code 552 ( a ) & ( b ), and Account Removal Request Dear XXXX, Experian, and XXXX Customer Relations Frauds department, I hope this letter finds you well. I am writing to bring to your attention certain legal provisions under the XXXX XXXX XXXX XXXX ), specifically 15 U.S. Code 6802, which outlines obligations concerning the disclosure of nonpublic personal information. In conjunction with this, I have attached a relevant Federal Trade Commission ( FTC ) report for your reference. According to 15 U.S. Code 6802, a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless certain conditions are met. These conditions include providing clear and conspicuous disclosure to the consumer, offering the consumer an opportunity to opt out of such disclosure, and explaining how the consumer can exercise the opt-out option. Furthermore, regulations such as 12 CFR 1016.7 Section ( a ), 5 U.S. Code 552 ( a ) & ( b ), along with 1016.7 and 162.6, detail the form and methods of opt-out notices to consumers, emphasizing the consumer 's right to opt out of the disclosure of their information to nonaffiliated third parties. Additionally, 1022.24 stipulates that covered affiliates must provide consumers with a reasonable opportunity to opt out when using eligibility information for solicitation purposes. As per the XXXX XXXX XXXX XXXX XXXX, consumers have the right to opt out of interest rate increases, fee increases, and other significant changes in terms, as outlined in 15 U.S. Code 6805. I would also like to request the removal of the following accounts from my credit report : 1. XXXX XXXX XXXX- {$710.00} - Account Number : XXXX 2. XXXX XXXX XXXX- {$120.00} 3. XXXX XXXX - {$1700.00} - Account Number : XXXX 4. XXXX XXXX XXXX - {$660.00} I demand that XXXX, Experian, and XXXX promptly investigate and remove these accounts from my credit report, as they are not legally and lawfully supposed to be reported. Please provide confirmation of the removal and an updated copy of my credit report reflecting these changes. Please acknowledge receipt of this letter and provide a written response within 4 BUSINESS DAYS outlining the steps your agencies are taking to ensure compliance with the specified legal provisions and the removal of the mentioned accounts. Failure to address and rectify any non-compliance issues or the removal of inaccurate accounts may result in further action, including reporting the matter to the appropriate regulatory authorities. Thank you for your prompt attention to this matter. I look forward to receiving your response. Sincerely, XXXX XXXX Without recourse
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19006
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A