Date Received: 2023-12-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. Enclosed are copies of documents supporting my claim for your review. I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 196XX
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I logged complaint # XXXX on XX/XX/XXXX and on XX/XX/XXXX Experian responded saying they would reinvestigate the complaint and respond in " up to '' 30-days. Well it has now been 32 days and they are in direct violation of my F.C.R.A rights. Now that they have failed to provide a resolution in the 30 day time period I demand the inaccurate reporting placed on my credit report by XXXX XXXX XXXX XXXX. I logged complaint # XXXX on XXXX XXXX XXXXXX/XX/XXXX and they sent a simple reply " we need more time to investigate '' on XX/XX/XXXX and no further response sense then. I do not care that CFPB gives up to 60-days to resolve a matter F.C.R.A says 30 days is sufficient. I have disputed this multiple times over several years to only get ignored by both the bank and credit bureau. I will proceed with legal matter if this is not deleted and a response is provided in a timely manner. I do see where Experian sent the same request they always send to XXXX which is asking them to verify the debt, and yet again XXXX sent back a letter saying it was verified. I AM NOT DISPUTING THE DEBT IS MINE, I NEVER HAVE DISPUTED THAT FACT!!!! IT IS THE SIMPLE MATTER THAT XXXX LOGGED THIS ON MY REPORT AS CHARGE OFF, THE SAME MONTH THEY AGREED TO ACCEPT A DEBT REPAYMENT PLAN, AND THE SAME MONTH THEY RECEIVED THEIR FIRST PAYMENT VIA THE REPAYMENT PLAN. THIS SHOULD HAVE NEVER BEEN REPORTED AS A CHARGE OFF. I initially logged my CFPB complaint on XXXX XX/XX/XXXX XXXX even though they provided a brief response on XX/XX/XXXX the clock legally starts from the day I logged my complaint. So they are way over their time limit to provide a resolution. XXXX also mailed a copy of about XXXX or XXXX statements from XXXX, with no cover letter or explanation as to why I am receiving those ; So I am hoping their incompetent staff do not think that was a valid response, it clearly doesn't address my complaint. Also CFPB has failed to hold both the credit bureau and creditor responsible, I am perusing information on how to file against CFPB for their lack of assistance as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
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 am writing to follow up on my previous correspondences via mail and through the Consumer Financial Protection Bureau ( CFPB ) regarding my request for a reinvestigation and the removal of disputed negative items from my credit report. To date, I have not received any resolution or response from your department, and this matter remains unresolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: XXXX XXXX : Customer Relations XXXX XXXX XXXX XXXX, MO XXXX Subject : Notice of Violations and Request for Remediation Dear XXXX XXXX, I have sent XXXX a dispute via their online portal in XXXX of XXXX. XXXX has failed to investigate the information. XXXX information does not match up with Department of Education or XXXX XXXX XXXX. XXXX is in violation of the FCRA, FDCPA, and the FERPA Act. I continuously to reach out to this company about XXXX inaccurate accounts on my credit report, and they have failed multiple times to fix this issue or permanently delete this information. I want to make sure that I'm exercising my rights with good faith and clean hands, but I believe at this point I need to file a lawsuit because nothing is being done. I also spoke to XXXX today on XX/XX/XXXX and the agent XXXX and she stated her ID number was XXXX. XXXX told me that this Company has no dispute process so they will continue to negligently report with no disclosures. This is a serious problem, and I will not tolerate it no more. I am writing to express my deep concern and disappointment regarding multiple violations of federal laws by XXXX, the loan servicer handling my educational loan account. It has come to my attention that there have been significant breaches of the Privacy Act of XXXX, the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Family Educational Rights and Privacy Act ( FERPA ). Details of the Violations : Privacy Act of XXXX : XXXX has failed to uphold the provisions of the Privacy Act of XXXX by improperly handling and disclosing my personal information. This violation compromises the security and confidentiality of my sensitive data. Fair Credit Reporting Act ( FCRA ) : I have discovered inaccuracies on my credit report due to XXXX 's reporting practices. These inaccuracies have led to adverse effects on my credit standing, violating the FCRA 's provisions related to accurate reporting and dispute resolution. Truth in Lending Act ( TILA ) : XXXX 's actions have raised concerns about compliance with the TILA, particularly in providing accurate and transparent information about my loan terms, interest rates, and other pertinent details. Family Educational Rights and Privacy Act ( XXXX ) : XXXX has failed to safeguard the confidentiality of my educational records, violating the FERPA 's provisions that protect the privacy of student education records. Requested Action : I am requesting immediate remediation for the aforementioned violations. Specifically, I am seeking compensation in the amount of {$20000.00} for the emotional distress, financial hardship, and mental anguish caused by XXXX 's actions throughout the year XXXX. This amount is reflective of the cumulative impact on my credit report and overall well-being. Additionally, I expect XXXX to take the following corrective actions : Address Credit Report Inaccuracies : Review and rectify any inaccuracies on my credit report resulting from XXXX 's reporting practices. Enhance Privacy and Security Measures : Implement enhanced measures to safeguard the privacy and security of customer information, in adherence to the Privacy Act and XXXX. Provide Transparent Loan Information : Ensure compliance with TILA by providing clear and accurate information about loan terms, interest rates, and other relevant details. Documented Assurance of Compliance : Provide a written assurance that XXXX will take immediate steps to rectify these violations and establish protocols to prevent future breaches of federal laws. Failure to address these concerns within [ reasonable timeframe, e.g., 30 days ] will leave me with no choice but to pursue legal remedies available under the applicable federal laws. I trust that XXXX will treat this matter with the urgency and seriousness it deserves. Please direct any correspondence related to this matter to [ Your Phone Number ] or [ Your Email Address ]. Sincerely, [ Your Full Name ] I have sent XXXX a dispute via their online portal in XXXX of XXXX. XXXX has failed to investigate the information. XXXX information does not match up with Department of Education or XXXX XXXX XXXX. XXXX is in violation of the FCRA, FDCPA, and the FERPA Act. I continuously to reach out to this company about XXXX inaccurate accounts on my credit report, and they have failed multiple times to fix this issue or permanently delete this information. I want to make sure that I'm exercising my rights with good faith and clean hands, but I believe at this point I need to file a lawsuit because nothing is being done. I also spoke to XXXX today on XX/XX/XXXX and the agent XXXX and she stated her ID number was XXXX. XXXX told me that this Company has no dispute process so they will continue to negligently report with no disclosures. This is a serious problem, and I will not tolerate it no more. XXXX XXXX : Customer Relations XXXX XXXX XXXX XXXX, MO XXXX Subject : Notice of Violations and Request for Remediation Dear XXXX Customer Relations, I am writing to express my deep concern and disappointment regarding multiple violations of federal laws by XXXX, the loan servicer handling my educational loan account. It has come to my attention that there have been significant breaches of the Privacy Act of XXXX, the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Family Educational Rights and Privacy Act ( FERPA ). Details of the Violations : Privacy Act of XXXX : XXXX has failed to uphold the provisions of the Privacy Act of XXXX by improperly handling and disclosing my personal information. This violation compromises the security and confidentiality of my sensitive data. Fair Credit Reporting Act ( FCRA ) : I have discovered inaccuracies on my credit report due to XXXX 's reporting practices. These inaccuracies have led to adverse effects on my credit standing, violating the FCRA 's provisions related to accurate reporting and dispute resolution. Truth in Lending Act ( TILA ) : XXXX 's actions have raised concerns about compliance with the TILA, particularly in providing accurate and transparent information about my loan terms, interest rates, and other pertinent details. Family Educational Rights and Privacy Act ( FERPA ) : XXXX has failed to safeguard the confidentiality of my educational records, violating the FERPA 's provisions that protect the privacy of student education records. Requested Action : I am requesting immediate remediation for the aforementioned violations. Specifically, I am seeking compensation in the amount of {$20000.00} for the emotional distress, financial hardship, and mental anguish caused by XXXX 's actions throughout the year XXXX. This amount is reflective of the cumulative impact on my credit report and overall well-being. Additionally, I expect XXXX to take the following corrective actions : Address Credit Report Inaccuracies : Review and rectify any inaccuracies on my credit report resulting from XXXX 's reporting practices. Enhance Privacy and Security Measures : Implement enhanced measures to safeguard the privacy and security of customer information, in adherence to the Privacy Act and XXXX. Provide Transparent Loan Information : Ensure compliance with TILA by providing clear and accurate information about loan terms, interest rates, and other relevant details. Documented Assurance of Compliance : Provide a written assurance that XXXX will take immediate steps to rectify these violations and establish protocols to prevent future breaches of federal laws. Failure to address these concerns within [ reasonable timeframe, e.g., 30 days ] will leave me with no choice but to pursue legal remedies available under the applicable federal laws. I trust that XXXX will treat this matter with the urgency and seriousness it deserves. Please direct any correspondence related to this matter to - ( XXXX ) Sincerely, 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: 30168
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the credit reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. In accordance with the credit reporting act XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2, 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: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Ive submitted this complaint several times CFPB, EXPERIAN XXXX XXXX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever reason, Im beyond annoyed. The following accounts listed below were opened due to identity theft. Ive provided you ( CFPB ) & EXPERIAN & XXXX with FTC Fraudulent report support my position. It seems EXPERIAN XXXX are violating FCRA section 611, 616 & 617. They have provided XXXX VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. Id like these accounts blocked or removed based on 605b. this is my final request before I get my attorney involved because this matter has been creating an insane amount emotional & physical distress. Its caused me restless night & has caused me to miss work. My attorney told me I should just sue for violation in FCRA laws. Id prefer to NOT get litigious. Please see this matter handled. Id like the following accounts removed/blocked per 605b with the attached documents again. Thank you XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Inquiries : XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXXXXXX XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32246
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I, XXXX XXXX XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX XXXX XXXX, and there is no need to ask for validation. RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS. 15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation. 18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years. 15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information. Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive. 15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. There is no law that says I have to pay a bill. ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business. 15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization. ( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report. I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities. FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed. Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person. These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft. 15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally. 15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS. 15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. 15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person. This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit. 15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check. 15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed. 15 U.S. Code 1681b - Permissible purposes 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. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. I, XXXX XXXX XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts. They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information. RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX Experian data breach/ identity theft. All are being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter. Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report. Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( 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. ****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07003
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Subject : Request for Correction of Credit Report Information Removal of " Dead Name '' Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue regarding my credit report that requires your assistance. I recently became aware that my credit report contains outdated and inaccurate information associated with my former legal name, commonly referred to as my " dead name. '' I have legally changed my name, and the court has officially recognized me as [ XXXX XXXX XXXX ]. The issue arises from the fact that my " dead name '' continues to be linked to my credit report, causing potential complications and concerns for my financial well-being. Furthermore, my personal information has been compromised due to the XXXX security breach, which exposed my details to the dark web and hackers. I am deeply concerned about the potential misuse of my outdated information, and I believe it is crucial to rectify this situation promptly. I kindly request the following actions : Removal of Dead Name : I request that you promptly remove any references to my former legal name from my credit report. Please update the information to reflect only my current legal name. Verification of Identity : To ensure the accuracy of this correction, I am willing to provide any necessary documentation to verify my identity and the legal name change. Investigation of Security Breach Impact : I would appreciate it if the Consumer Financial Protection Bureau could investigate the impact of the XXXX security breach on my personal information and take appropriate measures to safeguard my financial data. I have attached a copy of the court order confirming my legal name change for your reference. Additionally, I authorize the Consumer Financial Protection Bureau to access any relevant information needed to address this matter. I understand the importance of accurate credit reporting, and I appreciate your prompt attention to this issue. Please inform me of the steps being taken to rectify this situation and provide updates on the progress of the investigation. Thank you for your time and assistance in resolving this matter. I look forward to a prompt resolution of this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77338
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. The companies below are reporting payments on multiple accounts ( accounts listed below ) and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave the companies below written instructions to report anything to my consumer report, let alone these payments/utilizations. Sent a letter letting them know that I opted out of their reporting. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continuous function of the banking system. The reporting of these payments to my consumer report are not accurate and my privacy has been violated due to the companies listed below. XXXX XXXX XXXX XXXX is a witness to multiple violations of 15 USC 1681. They have a report of every transaction from every bank since opening a bank account. I opted out of all consent to disclose my personal information to all of the users who supplied it to their affiliates. I will attach a copy of one of the letters sent to all of my credit users. The terms and conditions of the banks that I have banked with show on their XXXX form at the SEC that they are in compliance to 15 usc 6805 and my ability to opt out of them sharing my information. When it comes to the student loan companies XXXX XXXX XXXX and Privacy Act of XXXX ( XXXX ). Which states schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. I have reached out and exclaimed this over the years with little to no results. For the collection agencies that claim that I owe them a that has been sold to them is also invalid because its considered a charge off which is defined as income according to the IRS. The original contract with the agency that sold the debt charged off the debt with the IRS and now that debt is considered income. The Privacy Act of XXXX says : 1. 5 U.S.C. 552a ( b ) ( 1 ) - Need to Know within Agency No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains unless the disclosure would be The Inquiries listed on my credit profile are also a violation to The privacy act of 1974 and 15usc1681 ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681 of this title ; All of the inquiries and any reports stating payments were late should be removed. All payments were made on time using securities. A Forensic Financial audit would clearly show none of the payments were late, therefore ; All of my accounts should show positive payment history. By my opting out of all credit reporting per 16 USC 6802 my transaction history should not have been reported and demand that the law is obeyed and show my credit utilization to be 0 % Im reporting this to CPFB because of 15 usc 6805 says : Subject to subtitle B of the Consumer Financial Protection Act of XXXX [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. Accounts on my credit report that need adjusting and compensation administered are as follows : U S Department of EducationXXXX XXXX which XXXX XXXX months per of payment history, all of the accounts opened XXXX XXXX XXXX XXXX XXXX XXXX. There are XXXX accounts with this company which totals to XXXX instances of them reporting my transaction history. XXXX balance {$1100.00} XXXX balance {$3600.00} XXXX balance {$4400.00} XXXX balance {$2900.00} XXXX balance {$2900.00} XXXX balance {$4300.00} XXXX balance {$3300.00} XXXX balance {$10000.00} XXXX balance {$6300.00} XXXX balance {$3600.00} XXXX balance {$7800.00} XXXX balance {$3700.00} XXXX balance {$5500.00} XXXX balance {$3600.00} XXXX balance {$5300.00} XXXX balance {$1700.00} XXXX balance {$3300.00} XXXX balance {$530.00} XXXX XXXX XXXX acct XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX Months of reporting payment history. XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX as a charge off. Which is considered income and cant be listed as debt. XXXX XXXX acct XXXX opened XX/XX/XXXX to XX/XX/XXXX which is 24 months of reporting payment history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A