Date Received: 2024-01-01
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My name is XXXX XXXX, I am not a third party. I am a natural person submitting this complaint, and I am requesting that these negative inaccurate items be removed from my credit report. 1. XXXX XXXX Account number XXXX Account type Credit Card Responsibility Date opened XX/XX/XXXX Status Account charged off. {$6.00}, XXXX written off. {$6.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XXXX {$6500.00} Balance updated XX/XX/XXXX REASON ; I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS. This creditor has not provided me a 1099c form this account as it is being reported as CHARGED OFF. The debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. The debt collector is not properly reporting on this debt. This account is inaccurate and needs to be removed. Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties. Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated. 2. XXXX XXXX XXXX Account number XXXX Account type Secured Card Date opened XX/XX/XXXX Status Account charged off. {$200.00} written off. {$200.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XXXX {$200.00} Balance updated XX/XX/XXXX REASON : I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS. This creditor has not provided me a 1099c form this account as it is being reported as CHARGED OFF. The debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. The debt collector is not properly reporting on this debt. This account is inaccurate and needs to be removed. Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties. Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated. 3XXXX XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Status Account charged off. {$3.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XXXX {$4000.00} Balance updated XX/XX/XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS. This creditor has not provided me a 1099c form this account as it is being reported as CHARGED OFF. The debt collector has not provided me proper debt validation for this alleged debt the creditor has not provided me with a ORIGINAL CONTRACT with Consent to share/ opt out of personal information being shared with 3rd parties Please delete this from my report. The debt collector is not properly reporting on this debt. This account is inaccurate and needs to be removed. Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties. Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated. 4.XXXX XXXXXXXX XXXX Account number XXXX Account type Collection Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XXXX {$1800.00} REASON : I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS. The debt collector has not provided me proper debt validation for this alleged debt the creditor has not provided me with a ORIGINAL CONTRACT with Consent to share/ opt out of personal information being shared with 3rd parties. Please delete this from my report. This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. Under 15 U.S.C.1681b, 15 U.S.C.1666b and 15 U.S.C.1666 15 USC 6802B my rights was violated. The debt collector is not properly reporting on this debt. This account is inaccurate and needs to be removed. Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties. Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated. 5.XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Date opened XX/XX/XXXX Status Collection account. {$840.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XXXX {$840.00} REASON : I don't recognize how this account is reporting on my credit report. I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS. The debt collector has not provided me proper debt validation for this alleged debt the creditor has not provided me with a ORIGINAL CONTRACT with Consent to share/ opt out of personal information being shared with 3rd parties Please delete this from my report. This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. Under 15 U.S.C.1681b, 15 U.S.C.1666b and 15 U.S.C.1666 15 USC 6802B my rights was violated. The debt collector is not properly reporting on this debt. This account is inaccurate and needs to be removed. Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties. Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated. 6XXXX XXXX Account XXXX XXXX Account type Cell Phone Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$4.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XXXX {$4000.00} REASON : I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS. The debt collector has not provided me proper debt validation for this alleged debt the creditor has not provided me with a ORIGINAL CONTRACT with Consent to share/ opt out of personal information being shared with 3rd parties Please delete this from my report. This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. Under 15 U.S.C.1681b, 15 U.S.C.1666b and 15 U.S.C.1666 15 USC 6802B my rights was violated. The debt collector is not properly reporting on this debt. This account is inaccurate and needs to be removed. Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties. Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Information was removed from Credit reports Experian, XXXX and XXXX due to Fraud and from there XXXX transferred the debt to another collection agency and also changed the initial date they stated that the account was actually opened defraud the XXXX XXXX XXXX as well as the XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89141
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This item was supposed have to been deleted before the 30 days. Before investigation was COMPLETED and the THREE credit bureaus XXXX, XXXX and Experian didnt do so this is a VIOLATION OF FCRA LAW 15 U.S. Code 1681i - Procedure in case of disputed accuracy were it state a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 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 an 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: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Each of the accounts with account/tradelines " XXXX XXXX XXXX and account numbers beginning XXXX report as a XXXX with a " On record until '' date of XX/XX/XXXX. The courts within my Federal Judicial District have published a case that demonstrates how alleged XXXX are established relative the Date of First Delinquency ( see attached ). To determine if an alleged payment history and accompanying charge-off were reporting accurately, the Court subtracted seven ( 7 ) years from the " Estimated month and year this item will be removed '' date. For the Experian credit reports this is the " On record until '' date. The " On record until '' date for the accounts herein is XX/XX/XXXX. Applying the method demonstrated by the Court to the accounts herein, by subtracting seven ( 7 ) years, gives a Date of First Delinquency of XX/XX/XXXX. However, XX/XX/XXXX can not be the correct Date of First Delinquency for these accounts because the accounts are listed " OK '', ie. paid on time, for that month. Therefore, the Date of First Delinquency is false or inaccurate. Thus, the payment history leading to the alleged charge-off is false or inaccurate for these accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48104
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My recent credit score is decreased by XXXX points, when I accessed my credit history. I can see accounts that was paid off and closed still show as delinquent. Also, the account of XXXX never been delinquent and was voluntary closed by me. I had been working had to get my score back to the right direction However the credit Bureaus don't want to clear my old accounts which they are impacting my credit negatively.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08816
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: [ correction to complaint XXXX ] : Each of the accounts with account/tradelines " XXXX XXXX '' and account numbers beginning XXXX report as a XXXX with a " On record until '' date of XX/XX/XXXX. The courts within my XXXX XXXX XXXX have published a case that demonstrates how alleged XXXX are established relative the Date of First Delinquency ( see attached ). To determine if an alleged payment history and accompanying charge-off were reporting accurately, the Court subtracted XXXX ( XXXX ) years from the " Estimated month and year this item will be removed '' date. For the Experian credit reports this is the " On record until '' date. The " On record until '' date for the accounts herein is XX/XX/XXXX. Applying the method demonstrated by the Court to the accounts herein, by subtracting XXXX ( XXXX ) years, gives a Date of First Delinquency of XX/XX/XXXX. However, XX/XX/XXXX can not be the correct Date of First Delinquency for these accounts because the accounts are listed " OK '', ie. paid on time, for that month. Therefore, the Date of First Delinquency is false or inaccurate. Thus, the payment history leading to the alleged charge-off is false or inaccurate for these accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48104
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This credit union XXXX also known as XXXX XXXX credit Union has consistently reported personal information to credit bureaus XXXX, XXXX, & Experian without any prior disclosures to me or notifying me in anyway 15 USC 1681b- Permissible Purpose of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I hereby put you on notice. I DID NOT GIVE YOU WRITTEN INSTRUCTIONS to report THIS ACCOUNT TO MY CONSUMER REPORT 15 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. How are you following reasonable procedures to assure maximum possible accuracy with this account reporting to my consumer report? Without Permissible Purpose, anyone paying for your reporting services could fax, mail or email fraudulent information to my consumer report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98597
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I was a victim of the XXXX data breach. I want this account deleted from my credit report ( Account Number : XXXX ) I have supporting documents showing proof of data breach affecting my credit report and not reporting on any other credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23228
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/2023 I submitted a dispute request to Experian about a item listed on my credit report under the name of XXXX. After Experian done their reinvestigation they stated on XX/XX/2023 they didn't change none of the data under this account. And stated that the data furnisher claimed that. All of information listed under this account was accurate and verified. But if you look at the " date last active '' that is being reported on this account. It is inconsistent on all three of my credit report files. I have uploaded and attached all of the documents needed to support my claim along with this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53218
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My information was bought and sold illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. ACCOUNTS : DEPARTMENT OF EDUCATION # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33619
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A