Date Received: 2024-01-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations. I was the victim & Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. XXXX XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! I am willing to grant you one final opportunity to process my request concerning my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a scenario, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that what constitutes a material fact will become abundantly clear during legal proceedings, and you may be required to compensate me for your negligence. Please manage your responsibilities accordingly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90303
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 hope this letter finds you well. I am writing to bring to your attention a matter concerning my credit report. I recently obtained a copy of my credit report and noticed that there are late payments listed on my account. After reviewing the details, I have come to the realization that these late payments are inaccuracies and do not reflect my actual payment history. I understand the importance of an accurate credit report and how it affects my overall creditworthiness. I am writing to formally request the immediate removal of these late payments from my credit report. I believe this action is necessary to ensure the accuracy of my credit history and to maintain a fair representation of my financial responsibility. XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative. XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative. I would like to highlight that these late payments are not a result of negligence on my part, but rather a mistake or error in reporting. I have consistently been diligent in making timely payments, and these late payments do not align with my financial behavior. XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative XXXX I understand the importance of staying informed about my financial transactions and responsibilities. However, it appears that due to the minimal balance in my account, statements were not generated or sent to me during the specified period. I would like to request your assistance in providing me with the missing statements for the mentioned period. Understanding the details of my account activity is crucial for me to manage my finances responsibly. If there are any fees associated with the generation or retrieval of these statements, please inform me in advance. I trust this letter finds you well. I am writing to you with regards to my recent discovery of late payments reported on my credit file, specifically related to my account with XXXX XXXX XXXX XXXX Upon reviewing my credit report, I noticed that late payments were recorded during a specific period, and I believe these were a result of a unique circumstance. XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative XXXX I would like to provide context for these late payments. During the mentioned period, I did not receive my regular account statements from XXXX XXXX XXXX XXXX After investigating the matter, I learned that the lack of statements was attributed to a very small balance in my account during that specific time frame. I fully understand the importance of maintaining a positive credit history, and I take responsibility for any oversights in managing my account. However, the late payments occurred due to circumstances beyond my control, namely the absence of statements that would have alerted me to any outstanding balances. I trust this letter finds you well. I am writing to inform you of a recent resolution with my bank, XXXX XXXX XXXX, regarding an internal issue that has affected the reporting of my account status. I would like to request your assistance in updating my credit report accordingly. XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative. I recently discovered that there was an internal issue within XXXX XXXX XXXX that led to an incorrect reporting of my account status on my credit report. Despite my consistent and timely payments, the report currently reflects inaccuracies that XXXX have negatively impacted my XXXX XXXX. After addressing this matter with XXXX XXXX XXXX, I am pleased to report that they have acknowledged the internal issue and have agreed to update my account status to reflect that it has always been open and never late. I kindly request that you update my credit report accordingly to accurately reflect the positive standing of my account. Enclosed with this letter, you will find supporting documentation from XXXX XXXX XXXX, confirming their acknowledgment of the internal issue and their commitment to rectifying the reporting inaccuracies. XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative. I would like to provide clarification regarding the status of my account during a specific period. Due to unforeseen financial challenges, I entered into a forbearance agreement with XXXX XXXX XXXX to temporarily suspend payments on my account. I am pleased to inform you that XXXXXXXX XXXX XXXX and I reached a mutual agreement during this forbearance period, wherein it was agreed that there would be no negative reporting to credit bureaus. I kindly request that you update my credit report to accurately reflect the agreed-upon terms during the forbearance period. There should be no indication of negative activity or any reporting that could adversely affect my credit score for that specific timeframe. Enclosed with this letter, please find documentation from XXXXXXXX XXXX XXXX confirming the forbearance agreement and the commitment not to report any negativity during this period. I understand the importance of maintaining an accurate credit report, and I appreciate your prompt attention to this matter. Your cooperation in updating my credit report will ensure that my credit history accurately represents the terms agreed upon during the forbearance period. I trust this letter finds you well. I am writing to bring to your attention a recent resolution regarding an internal issue with my bank, XXXXXXXX XXXX XXXXXXXX XXXX has affected the reporting of my account status on my credit report. I kindly request your assistance in updating this information to accurately reflect the true status of my account. XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX XXXXXXXX customer service representative XXXX Upon careful review of my credit report, I noticed discrepancies in the reporting of my account status. I would like to provide clarification on this matter. Due to an internal issue within XXXXXXXX XXXX XXXX, my account status was inaccurately reported, suggesting that it was not open or that payments were late. After addressing this matter with XXXX XXXX XXXX, I am pleased to report that they have acknowledged the internal issue and have agreed to update my account status to reflect that it has always been open and never late. I kindly request that you update my credit report accordingly to accurately reflect the positive standing of my account. Enclosed with this letter, you will find supporting documentation from XXXXXXXX XXXX XXXX, confirming their acknowledgment of the internal issue and their commitment to rectifying the reporting inaccuracies. I understand the importance of maintaining an accurate credit report, and I appreciate your prompt attention to this matter. Your cooperation in updating my credit report will ensure that my credit history is a true representation of my financial responsibility. I kindly request that you notify me in writing once the necessary corrections have been made to my credit report. If you require any additional information, please do not hesitate to contact me. Thank you for your understanding and assistance in resolving this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90303
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 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 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: I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33186
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: XXXX XXXX writing to your company to bring to your attention a matter concerning my EXPERIAN consumer report from XX/XX/2023 and I believe that equitable remedies are necessary to rectify the situation. I have identified XXXX instances where XXXX are willfully, inaccurately, and unlawfully reporting that the following accounts are negative without furnishing XXXX proof of verification of these alleged debts nor that XXXX followed all laws and regulations under the FCRA to report them therefore you must REMOVE XXXX negative accounts and adverse remarks as they are causing unjust harm. XXXX XXXX asserting my rights under exclusive equity and XXXX seeking equitable remedies to address the harm caused by your company. Please be aware that all negative accounts and remarks found on XXXX XXXX report are violations of the FCRA therefore in addition to having said accounts removed, I have also attached an invoice for statutory damages for each violation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 201XX
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 demand that these requests be removed as soon as possible and that my credit score be modified appropriately, as I did not permit these companies to get my credit report. I also want a copy of my updated credit reportwhich shows these changessent to me as soon as possible. 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 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: FL
Zip: 33186
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: XXXX student loan balance is reflecting as {$120000.00} on XXXX credit report and my XXXX Bank credit History. It should be {$56.00}. XXXX loan was transferred from XXXX to XXXX. I have spoken with XXXX and they have my total loan as {$56.00}, XXXX as it should be. I have called Experian several times over the last XXXX XXXX and there has been no change. XXXX XXXX in the process of purchasing a home and this needs to be corrected ASAP. Thank you. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11236
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: 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 attached documents and letter for referenced issues from above.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33410
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: This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to XXXX parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30274
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, XXXX XXXX XXXX, am writing to address concerns regarding potential violations of the Fair Credit Reporting Act ( FCRA ) and associated regulations. As stipulated in 15 USC 1681 section 602a, consumer reporting agencies such as Experian are duty-bound to uphold their responsibilities with fairness, impartiality, and a commitment to consumer privacy. Similarly, financial institutions, including XXXX XXXX XXXX, are mandated by 15 USC 6801 to respect consumer privacy. In accordance with 15 USC 1681 section 604a section 2, I wish to underscore that the furnishing of consumer reports is contingent upon written instructions from the consumer. To date, neither Experian nor XXXX XXXX XXXX has obtained my explicit written consent to furnish my information. By invoking my rights under 15 USC 6802 ( b ) ( c ), I am officially opting out of and revoking any and all authorizations, whether verbal, nonverbal, written, implied, or otherwise, that may have been previously granted to Experian and XXXX XXXX XXXX. It is noteworthy that XXXX XXXX XXXX failed to apprise me of my right to exercise the nondisclosure option, as mandated by 15 USC 6802. Furthermore, 15 USC 1681 ( c ) ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse information in a consumer report without proper authorization. The reported account is deemed adverse and has been shared without my explicit permission, thereby constituting a violation of 15 USC 1681s-2 ( A ) ( 1 ) ( a ). Under 15 USC 1681E, consumer reporting agencies are required to maintain reasonable procedures to prevent violations. It has come to my attention that Experian may not be adhering to these prescribed standards. In accordance with 12 CFR 1016.7, I am formally exercising my right to opt out of adverse reporting services. I respectfully request your immediate attention and resolution of these matters. Your prompt response to this matter is highly appreciated.
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 non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A