Date Received: 2023-12-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not give consent or authorize the following inquiries on my credit report : By obtaining my Experian consumer report on the dates below without my permission, or without a permissible purpose by law, this is in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with the companies below. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any of the companies below for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 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: GA
Zip: 30047
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My auto loan payment for XX/XX/2023 was made and funded on XX/XX/2023. XXXX XXXX is reporting me 30 days past due when the payment including late fees were paid 26 days late. My auto loan payment for XX/XX/2023 was made and funded on XX/XX/2023. XXXX XXXX is reporting me 30 days past due when the payment including late fees were paid 23 days past due. The company bills for late fees but when paid they do not allocate the additional funds to cover for late fees. This is an unfair practice. This erroneous information is hurting my credit profile.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I have reached out to Experian and XXXX multiple times concerning the manner in which XXXX XXXX XXXX information is being presented on my credit report. This account indicates that it went into collections in XXXX of XXXX ; however, XXXX indicates that the last payment was made in XXXX of XXXX, while Experian states that the last payment was in XXXX of XXXX. I requested a comprehensive investigation and asked for sufficient evidence that the investigation was caried out. Despite this, I did not receive any communication regarding my dispute. It is evident that a thorough investigation could not have been completed as there are still several inaccuracies present on my credit report. According to the law, Experian and XXXX are obligated to ensure that they report information with the MAXIMUM POSSIBLE ACCURACY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXXXXXX XXXX XXXX, I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Opt-Out Notice Pursuant to UCC XXXX and XXXX XXXX XXXX Dear XXXX XXXX, I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Under 15 usc 1689 exclusion person making the report of the consumer unknown information under federal law experience XXXX and XXXX exclusive transactions between consumer and person making the report noncompliance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21206
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This occurred on XX/XX/XXXX of willful illegal actions against XXXX XXXX XXXX. Response : XXXX XXXX XXXX showed prior evidence supporting documents in support of criminal action against herself case number XXXX where she was the legal guardian and charges of XXXX XXXX where not found in the proceedings to change circumstances. Facts XXXX XXXX XXXX was XXXX parent which the Children was taken out of her home unlawful with a child support order and a protection order in place at the time of the incident a bankruptcy XXXX XXXX took place where XXXX XXXX XXXX had sole custody rights. The father XXXX XXXX XXXX stopped paying child support and a debt took place causing adverse actions against XXXX XXXX XXXX by XXXX XXXX XXXX and his employer. XXXX XXXX XXXX was granted custody in XXXX. A bankruptcy XXXX XXXX was started in XXXX but converted into a XXXX XXXX because XXXX XXXX had passed away the Attorney of XXXX XXXX XXXX former name XXXX XXXX XXXX. The proceedings had an automatic Stay 11 USC 362. When the actions against XXXX XXXX XXXX occurred a violation of the protection order called injunction happened. XXXX XXXX XXXX case was discharged in XX/XX/XXXX. XXXX XXXX committed fraud by false allegations without the presence of the mother XXXX XXXX XXXX which XXXX XXXX XXXX was not prosecuted for the allegations of deceit. Damages occurred in the lost of her children and property from debt owed to XXXX XXXX by the father XXXX XXXX XXXX. This statement is admitted by XXXX XXXX and his Counsel twice. XXXX XXXX and XXXX XXXX XXXX attorney for XXXX XXXX XXXX. Adversary Actions took place by taxes and deduction with XXXX as employer. The record shows in the Supporting evidence orders with debt owed to XXXX XXXX XXXX. The record shows assailants Department of XXXX XXXX rejection of an order done in XXXX in which a lawsuit against Defendants was and is being sought case XXXX The litigants did not file an appeal to the original order of XXXX XXXX XXXX XXXX XXXX . The litigants can not change an order of default and a signed agreement between parties without becoming a party to damages by the negligence and non-compliance of law toward the victim called XXXX XXXX XXXX. This would be a breach of duty and failure to report. Mr. XXXX XXXX XXXX failed to fill a Motion of Revision as his own Attorney admitted with in 10 days to dispute the findings and facts of the child support and the maintenance. In XXXX without XXXX XXXX knowledge while she was trying to save her home at XXXX XXXX XXXX XXXX XXXX WA XXXX and was involved in a car accident. XXXX XXXX and his colleagues from XXXX XXXX Deputies went to my home and took the children. These were criminal action against a women outside the practice of law and procedures. The Bankruptcy Court discharge gave conditions within the law under 11 usc 524 to protect under certain conditions from adversary actions. Exhibit Bankruptcy XXXX XXXX from Experian credit which is evidence supporting legal documents given by the Court of law which prevents adverse actions against All entities. XXXX XXXX XXXX also reported the illegal actions with the U.S. Department of Labor and these Violation have continued for 8 years under Rcw ( 1 ) It is unlawful for any local government official or employee to take retaliatory action against a local government employee because the employee provided information in good faith in accordance with the provisions of this chapter that an improper governmental action occurred. XXXX XXXX : Retaliatory action unlawfulRelief by whistleblowerPenalty. Witnesses : XXXX XXXX former Judge, XXXX XXXX my former attorney, my Bankruptcy Attorney, XXXX XXXX private personal injury attorney, Doctors and Staff in which XXXX almost lost her life. Official proceeding means a proceeding heard before any legislative, judicial, administrative, or other government agency or official authorized to hear evidence under oath, including any referee, hearing examiner, commissioner, notary, or other person taking testimony or depositions ; RCW 9A.72.010 Definitions. The following definitions are applicable in this chapter unless the context otherwise requires : ( 1 ) " Materially false statement '' means any false statement oral or written, regardless of its admissibility under the rules of evidence, which could have affected the course or outcome of the proceeding ; ( 2 ) " Oath '' includes an affirmation and every other mode authorized by law of attesting to the truth of that which is stated ; in this chapter, written statements shall be treated as if made under oath if : ( a ) The statement was made on or pursuant to instructions on an official form bearing notice, authorized by law, to the effect that false statements made therein are punishable ; ( b ) The statement recites that it was made under oath, the declarant was aware of such recitation at the time he or she made the statement, intended that the statement should be represented as a sworn statement, and the statement was in fact so represented by its delivery or utterance with the signed jurat of an officer authorized to administer oaths appended thereto ; or ( c ) It is a statement, declaration, verification, or certificate, made within or outside the state of Washington, which is declared to be true under penalty of perjury as provided in chapter 5.50 RCW. ( 3 ) An oath is " required or authorized by law '' when the use of the oath is specifically provided for by statute or regulatory provision or when the oath is administered by a person authorized by state or federal law to administer oaths ; Violation Rule 7001 ( 7 ) Scope of Rules of Part VII ( 7 ) a proceeding to obtain an injunction or other equitable relief, except when a XXXX XXXX XXXX XXXX XXXX XXXX, or XXXX XXXX plan provides for the relief ; Request Defendants be added to case XXXX / XXXX An adversary proceeding is governed by the rules of this Part VII. The following are adversary proceedings : By these hostile attacks charges have been commented under 15 U.S.C. United States Code, 2019 Edition Title 15 - COMMERCE AND TRADE CHAPTER 47 - CONSUMER PRODUCT SAFETY Sec. 2069 - Civil penalties From the U.S. Government Publishing Office, www.gpo.gov 2069. Civil penalties ( a ) Amount of penalty ( 1 ) Any person who knowingly violates section 2068 of this title shall be subject to a civil penalty not to exceed {$100000.00} for each such violation. Subject to paragraph ( 2 ), a violation of section 2068 ( a ) ( 1 ), ( 2 ), ( 4 ), ( 5 ), ( 6 ), ( 7 ), ( 8 ), ( 9 ), ( 10 ), or ( 11 ) of this title shall constitute a separate offense with respect to each consumer product involved, except that the maximum civil penalty shall not exceed {>= $1,000,000} for any related series of violations. A violation of section 2068 ( a ) ( 3 ) of this title shall constitute a separate violation with respect to each failure or refusal to allow or perform an act required thereby ; and, if such violation is a continuing one, each day of such violation shall constitute a separate offense, except that the maximum civil penalty shall not exceed {>= $1,000,000} for any related series of violations. Related incident report mailed XXXX XXXX XXXX XXXX Credit reporting Problem with a company 's investigation into an existing problem EXPERIAN XX/XX/XXXX Open Sent to Company ATTACHMENTS ExperianXXXX 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 Submitted to the CFPB on XX/XX/XXXX New evidence Experian credit answer attached without facts, findings, evidence supporting its rejection. XXXX XXXX XXXX charges the credit agency in the following violation of the law and request prosecution for the breaking of the laws within the complaint. XXXX XXXX XXXX is seeking relief for damages {>= $1,000,000}. Over {>= $1,000,000}. For its willful actions to disobey laws in place to protect the citizens from discrimination being a XXXX over XXXX years of age in Title VII in fair credit reporting. I declare ( or certify, verify, or state ) under penalty of perjury that the foregoing is true and correct. Executed on XX/XX/XXXX XXXX in XXXX XXXX XXXX XXXX Signature ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 984XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I reached out, via certified mail to the credit bureau, on XXXX and XXXX, regarding suppression on incorrection and fraudulent information. They have no responded either times, which is in direct violation with my rights. The FCRA states that credit bureaus are legally obligated to suppress information identified by a consumer as resulting from identity theft upon receiving an identity theft report. This suppression must occur within four days of receiving the necessary documentation from the consumer. Upon receiving an identity theft report, a CRA must block the reporting of any information in the consumer 's file that the consumer identifies as resulting from identity theft. Collins v. Experian Credit Reporting Serv.. This block must be implemented within four days of the CRA receiving proof of the consumer 's identity, a copy of the identity theft report, the identification of the information resulting from the alleged identity theft, and a statement by the consumer affirming that the disputed information does not relate to any transaction by the consumer. Osada v. Experian Info. Solutions, Inc.. If a CRA fails to block the reporting of such information, the consumer may have a cause of action under the FCRA Anthony v. Experian Info. Solutions Inc..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10704
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
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 request was submitted multiple times to have this inaccurate reporting removed from my credit report. The furnishers of information responded claiming this account was accurate, however I am not liable for this debt with XXXX XXXX XXXX for {$1200.00}. They did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2 by keeping this inaccurate account on my credit file. This company has no permission to report illegitimate details using my personal information pursuant to 15 USC 1681 4. After months of disputing, this account is still reporting inaccurate late payments well past the statute of limitations. This account has incorrect details reporting through different agencies regarding last payment dates and late payment history, which are false. For example, the collection account had been active for years in collection status, then in XXXX marked up to 180 days past due, and then continued collection status thereafter. Furthermore, in XX/XX/2023 one or more credit reporting agencies have REMOVED this account from my credit file due to these violations and inaccurate reporting. I have seen this account only closed with other reporting agencies who have not validated this debt or details reporting, nor have provided me proof.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75010
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I had a credit card with XXXX XXXX XXXXXXXX over 7 years ago. Experian and XXXX refuse to remove it though XXXX has already removed it from my credit report. I have attached the results of the XXXX dispute and they have correctly removed the entry from my credit report. I request for the same to be done in my Experian and XXXX reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A