Date Received: 2024-01-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am writing to dispute an account listed on my credit report that is the result of identity theft. The account in question is : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$1100.00}. I have already contacted XXXX and XXXX, who have removed this account from their records after finding an error. I am confused as to how you have verified this account while the other bureaus have removed it. I remind you that under the Fair Credit Reporting Act ( FCRA ), I am entitled to a quick and thorough investigation into these issues. I demand that you take immediate action to remove this account from my credit report and inform me of the steps taken to prevent this from happening again. I appreciate your prompt attention to this matter and request that you contact me as soon as possible with the results of your investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91403
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I have reached out to XXXX XXXX XXXX XXXX regarding the validity of the debt, but they did not provide any proof of the late payment status on this account. As I am looking over my credit report, this account is incorrectly being reported as a late payment account. It is important to me that my credit report is accurate and up-to-date, which is why I am requesting that you either provide proof of the late payment or delete the negative payment status on this account. Please keep me informed about the status of this dispute, and provide me with any updates or documentation related to this matter. XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91403
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 fraudulent credit card posting on my credit report from XXXXXXXX XXXX XXXX XXXX XXXXXXXX. It is showing over spending limit, and past due payment. This account is fraudulent, as I did not open it. The company and credit reporting agency needs to remove this account within XXXX business days as it is a violation of my consumer rights to be posting false and misleading information. I have reached out to the company, but have not heard anything in response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80026
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX name : EXPERIAN XXXX address : EXPERIAN XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CREDIT REPAIR CONSUMER LAWS : Based on, You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer. After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer according to subparagraph ( A ) or ( C ) of subsection ( a ) ( XXXX ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance. ( XXXX ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that a consumer does not initiate. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or XXXX, whichever is greater XXXX XXXX XXXX such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. Dear EXPERIAN, The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under 15 US Code 1681n ( b ) civil liability of a natural person, Ive been violated. Also, we have already involved and sent this letter to the Complaint portal for ( the Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44146
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: sent a letter to Experian asking them to reinvestigate the completeness and accuracy of my account with XXXX XXXX XXXX XXXX XXXX here is my tracking number XXXX However, I waited the required amount time, They said everything was 100 % correct. I asked them how and send me the description of the investigation based on 15 USC 1681 ( 7 ). They did not provide that which is violation of 15 USC 1681 ( 7 ). They also violated 15 USC 1681 ( 5 ). They also violated 15 USC 1681e ( b ). And I didnt receive and respond or update.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48221
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 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: FL
Zip: 32211
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: On XX/XX/XXXXXXXX I mailed you a letter disputing inaccurate and incomplete information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following XXXX ACCOUNT XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX XXXXXXXX As per [ U.S.P.S.records, you received my dispute letter on XX/XX/XXXX. Accordingly, as per the FCRA, you were required to conduct a reasonable reinvestigation and modify to Paid as Agreed, Never Late the disputed information as I requested before the end of the 30-day period on the date on which you receive the dispute letter Instead of sending me a response letter with the results of your reinvestigation of the disputed information, with proof and exact method requested You mailed me a letter dated XX/XX/XXXX that states DISPUTED INFORMATION HAS BEEN UPDATED account XXXX ACCOUNT # XXXX XXXX XXXXXXXX NO CHANGE. XXXX XXXX ACCOUNT # XXXX XXXXXXXX PAYMENT HISTORY WENT FROM 30 DAY 60 DAYS LATE THEN PAYMENT MADE ON XX/XX/XXXX UPDATED VERSION REMOVED PAYMENT MADE XX/XX/XXXX BUT ACCOUNT HAS NO BALANCE OWED SO HOW CAN IT BE PAID AN CLOSED? THIS IS INACCURATE AND DOESNT MAKE SENSE AUSTINCAPBK ACCOUNT # XXXXXXXX LATE PAYMENTS MOVED FROM XXXX AND XX/XX/XXXX TO XXXX AND XXXX WITH XXXX STATUS ON XX/XX/XXXX Clearly, you have willfully failed to modify the disputed information as I have requested. In lieu of modifying the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because my dispute was verified accurate in 1 day. I believe you have an automated system or technology such as AI that sends basic responses without conducting a fair investigation. However, your excuse or assumption is not a valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of information contained in my consumer file ps per the FCRA. Your failure to reinvestigate is an intentional and negligent FCRA violation. In conjunction with this, I would like to bring to your attention potential violations of my rights under the Fair Credit Reporting Act, specifically outlined in 15 USC 1681 Section 602. This section states that I have the right to privacy regarding my credit information, as reinforced by 15 USC 1681 Section 604a Section 2. Moreover, under 15 USCS 1666b, a consumer reporting agency is prohibited from furnishing an account without my written instructions, and a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose without valid justification. As a result of your conduct as described above, you shall promptly modify the disputed information. Additionally, as FCRA, you are liable to me for damages for your conduct. If this item is not corrected to XXXX Paid as Agreed, Never Late, you will be commanded to send a check of {$1000.00} payable to XXXX XXXX. Be advised, this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law Within |14| days, ( 1 ) modify the disputed information as requested, ( 2 ) send an updated copy of my consumer file, and ( 3 ) send me the {$1000.00} check to my mailing address listed above.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89031
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: My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : 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: IL
Zip: 604XX
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: A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : 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: MD
Zip: 20874
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: Hey, XXXX name is " XXXX XXXX XXXX '', I have noticed that I have had XXXX XXXX, and XXXX XXXX on XXXX XXXX report that does not belong to me. It has impacted XXXX deeply and has hurtled XXXX. The consumer report agencies have validated the consumer laws that was passed by XXXX. XXXX XXXX XXXX XXXX. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. XXXX XXXX XXXX XXXX XXXX " blockage of information ''. This consumer law gives XXXX the authority to tell the information that I wish to be requested to be deleted on XXXX XXXX report. And it must happen within XXXX business days. Due to XXXX filing my XXXX Report. This law states that if XXXX file a police report through the XXXX, it must be removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35126
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A