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 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: 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 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 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: 338XX
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, External Finance account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 Section 602A States I have the right to privacy. 15 U.S.C 1681 Section 604A 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: TX
Zip: 75248
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: Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or rectify the following inaccurate accounts in my report : 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: 338XX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I request the intervention of the Consumer Protection Financial Bureau to evaluate two agencies that appear to be inquiring about credit under my name, some with errors and others submitting the same information on several occasions. The documentation was sent to confirm firmly that these agencies do not take into account or assume that everyone who requests credit is possibly a " fraud '' who is already known in these matters. Please take immediate action because they are based on theories that assume that it is really me who is requesting, they do not realize when they make account invocations on several occasions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I am a victim of fraud and identity theft people use my information on the dark web. They use my information everywhere. My social ID has been lost and stolen multiple times my family has used my identity friends have using it stolen and my information is out there Im making this report so I can show the credit bureau Im doing my part on my end Im also in the XXXX XXXX and I cant qualify for no bank account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95678
Submitted Via: Web
Date Sent: 2024-01-10
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: Was not notified of investigation status or results
Consumer Complaint: As I am currently looking for a new home for my family and I, I wanted to make sure that the Credit Reporting Agencies have all accurate information. Upon discovery, I see inconsistencies in the information amongst the top XXXX credit reporting agencies ( XXXX, XXXX, and Experian ). As these companies know 15 USC 1681c ( 1 ) ( a ) ( 4 ) states that no accounts placed for collections shall be included in the consumer report. XXXX, XXXX and Experian has not received any written expressed consent from me, the consumer, in fact, XXXX XXXX, granting permissions for inaccurate information to be on my consumer report. I have been in dispute with the 3 credit reporting agencies for over a month with accounts coming back verified and I never verified any information which is also a stipulation under the FCRA. I have requested this information from the furnishers as well as the agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27104
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: I sent off a dispute in XXXX about fraudulent accounts on my credit report. Not only have changes have not been made the bureau has not even responded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75228
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: In XXXX of XXXX I was notified that the info was used fraudualntly to obtain credit. I promptly filed FTC AFFIDAVIT and reached to the bureaus and creditors. 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 haveI told Experian and XXXX to reinvestigate this account they have listed as verified and accurate. How can it be accurate if both bureaus have it listed with different account number, XXXX and Closed dates. : XXXX XXXX {$17000.00} XXXX Opened XXXX XXXX Date of last Activity XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX {$17000.00} XXXX Opened XX/XX/XXXX Date of last Activity XX/XX/XXXX Closed XX/XX/XXXX It is also illegal to report XXXX on my report and also as new account! XXXX has illegally reaged this account. The credit bureaus stated everything was complete and accurate. But how is that possible if the account numbers are different, open date, date of last activity and much more is incorrect. The following inquiries are also not authorized were not given permission and I demand these to be removed.. 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 According to 15 USC 1681i ( 5 ), credit reporting agencies are supposed to modify accounts that aren't reporting correctly. I have attached a copy of my credit report to show proof of the blatant errors and misleading info on my report. that they have said were correct. The credi bureaus are also not in compliance with METRO 2 laws,. I want the account and the inquiries removed along with inputting the correct info on crediit my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX I have been dealing with this for far too long and I will be taking legal action against XXXX and EXPERIAN for the violations of consumer my rights .I have alot of evidence to prove my case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91350
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 fraud alerts or security freezes
Subissue:
Consumer Complaint: I request the intervention of the Consumer Protection Financial Bureau to evaluate two agencies that appear to be inquiring about credit under my name, some with errors and others submitting the same information on several occasions. The documentation was sent to confirm firmly that these agencies do not take into account or assume that everyone who requests credit is possibly a " fraud '' who is already known in these matters. Please take immediate action because they are based on theories that assume that it is really me who is requesting, they do not realize when they make account invocations on several occasions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A