Date Received: 2024-01-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My credit report is showing that my XXXX XXXX account was charged off in XXXX of XXXX when in fact it was charged off in XXXX of XXXX. I have verified with XXXX XXXX that the account was charged off in XXXX of XXXX so I don't know why it is showing up that way.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61265
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX This information is incorrect, I was never late on this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect 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: NJ
Zip: 07522
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 information incorrect
Consumer Complaint: this debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. XXXX. **Date of Last Activity : ** There's a discrepancy in the reported date of last activity among the three credit bureaus ( Experian, XXXX XXXX XXXX XXXX. Consistency across bureaus is essential for accurate reporting. XXXX. **Date Reported : ** The date reported is different for XXXX compared to the other bureaus, which could affect the interpretation of the information and might need clarification or correction. XXXX. **Account Rating and Description : ** While two bureaus report the account as " Paid, '' one bureau lists it as " Derogatory. '' Ensuring consistency in the account rating across all bureaus is crucial. XXXX. **Closed Date and Account Status : ** There's an inconsistency between the reported closed date and account status, especially with remarks like " Account has been closed due to inactivity '' and " Payment after charge off/collection. '' 5. **Creditor Remarks : ** The remarks provided by the creditors vary across the bureaus. They should accurately reflect the actual status of the account for consistency and clarity. XXXX. **Payment History : ** There are different late statuses ( 30, 60, 90 days ) reported across the bureaus for specific months. Consistency in reporting these late statuses is essential. XXXX. **Credit Limit : ** While the credit limit is reported consistently across all bureaus, it's mentioned in the remarks for one bureau, which might cause confusion. XXXX. **Dispute Status : ** Although the dispute status mentioned is " Account not disputed, '' if there are inaccuracies or discrepancies, it might be necessary to dispute these entries for correction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07108
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: 15 U.S. code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINTS TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90028
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: Back on XXXX XXXX I file a complaint with the CFPBIn response to my complaint, on XX/XX/XXXX, in response to the complaint I received the following response ( XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results is listed below : Company Name XXXX XXXX CO THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. ) CFPB Complaint is ( Attached ). Please delete credit XXXX account as this account has been report inaccuracies XXXX lates after CLOSED account/COLLECTION status for 2 yrs. starting XX/XX/XXXX, additional, this car loan was a 48-month contract term that expired XX/XX/XXXX ( copy of contract attached ) after which is reporting active XXXX lates even after the term of the contract ( from XX/XX/XXXX to XX/XX/XXXX ). On ( XX/XX/XXXX ), CFPB ordered resolution for the account was deletion from my credit file which has yet to happen ( SEE ATTACHMENT )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17104
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08046
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: Experian just notified me that they are still working onthe issue on this complaint however they closed 2 complaints this morning which are identical to this one. Experian resolves nothing and continues to try and XXXX money from me to get my correct scores, THIS IS CRIMINAL
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: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10801
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 information incorrect
Consumer Complaint: this debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. XXXX. **Date of Last Activity : ** There's a discrepancy in the reported date of last activity among the three credit bureaus ( Experian, XXXX XXXX XXXX XXXX. Consistency in reporting is essential for accurate credit information. XXXX. **Date Reported : ** The date reported varies across the bureaus, with one bureau reporting a significantly later date than the others. This inconsistency might require clarification or correction. XXXX. XXXXAccount Status : ** While all three accounts are reported as closed, there's a discrepancy in the payment status. One account is reported as " Current, '' one as " Late 90 Days, '' and the other as " Closed or paid accountXXXX balance. '' Clarification on the accurate payment status is needed. XXXX. **Creditor Remarks : ** The remarks provided by the creditors differ across the bureaus. These remarks should accurately reflect the account 's status and might need alignment for consistency. XXXX. **Credit Limit : ** There's a discrepancy in reporting the credit limit, with one bureau reporting a {$0.00} credit limit. Ensuring consistency in reporting this information across all bureaus is important. XXXX. **Payment History : ** Different late statuses ( 30, 60, 90 days ) are reported across the bureaus for specific months. Consistency in reporting these late statuses is crucial for accurate credit reporting. XXXX. **Dispute Status : ** Although the dispute status mentioned is " Account not disputed, '' if there are inaccuracies or discrepancies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07108
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10306
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A