Date Received: 2023-12-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX {$29000.00} XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) Balance : {$0.00} XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on 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: 33137
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: Information belongs to someone else
Consumer Complaint: Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60517
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 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. 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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70726
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: Old information reappears or never goes away
Consumer Complaint: Yes my name is XXXX XXXX I'm complaining about XXXX experien and XXXX first Experian I didn't talk to them over and over with the computer and disputing XXXX XXXX XXXX saying I have an account and XXXX both of these companies said I lived in XXXX Kansas which I never have at the same time that they saying I live in Kansas I didn't show them proof where I live in Missouri they keep putting this XXXX XXXX XXXX on my credit report XXXX on my credit report and this apartment complex that I never heard of I asked them to send me the proof where I had these accounts you have me with XXXX different addresses and I explained to Experian that I never lived with these addresses they keep for the last 4 years posting the same thing they got me at a negative I only owe one thing on my credit report and that's XXXX XXXX the rest of the items on my credit report I have no clue XXXX XXXX XXXX won't even give me credit so how do I owe you when every time I file for XXXX XXXX XXXX phone I can't get it or whenever I file for XXXX phone or XXXX phone I can't get none of this stuff but you telling me I had it and I got I've been complaining for the last 4 years I am tired of it and what you say I owe {$270.00} to XXXX XXXX XXXX another {$200.00} to XXXX and {$1000.00} to some apartment complex that I don't even know about and I keep dispute needs items it's nothing getting done they say they taking them off they put them right back on I'm just getting old and I'm tired XXXX is got a negative on my child support case which I'm currently paying so it shouldn't even be on my credit score they took it off they put it back on my kids are XXXX and XXXX XXXX XXXX you say I owe backpack I'm paying it why do you have a negative on why is child support even on my credit while I'm paying this stuff here I didn't give nobody permission XXXX XXXX or Experian to post my information or to sell my identity to third party companies I'm just trying to figure out how can we or meet XXXX these XXXX credit reports with false information if you going to put my information out please tell the truth my bank account you say I owe a mortgage with my bank account I don't owe a mortgage cuz my bank don't loan out that kind of money well and credit me for that kind of money I didn't complain I didn't get in touch with the merchants half of them don't even know what I'm calling for because they saying that they don't have no record of me but this company Experian keep posting this false information on my credit report you send me the mail at one address for the last 4 years but you telling me I have services at another address over in Kansas this stuff is really beginning to get on my nerves and something need to be done about them because I don't believe that no one gave them permission to sell or use their private information and then they got me at a high risk and only thing is is XXXX and XXXX XXXX dollars how is it a high risk because they say so something need to be done with these XXXX credit reports credit unions that report false information about people I need to know if anyone can answer my question how do you file a lawsuit against these XXXX XXXXXXXX credit reports that post wrong information on a person this is my fifth attempt trying to solve this problem and I truly hope you can help me someone give me an answer to report these people are these companies because inaccurate information messes up my credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 641XX
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: 2023-12-29
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70131
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've recently had my Experian and XXXX accounts taken over by fraudsters. Both of these accounts have been locked down for weeks. I've sent via mail all the necessary identity information they requested in order to give me back access and after placing weekly calls to both these credit bureaus they still say its being processed and I don't have access.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 911XX
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: Getting a loan or lease
Subissue: Loan opened without my consent or knowledge
Consumer Complaint: I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous auto loans on my credit account that were no open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from XXXX credit report as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21224
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: Information belongs to someone else
Consumer Complaint: I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
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: 2023-12-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: A hard inquiry on behalf on XXXX XXXX XXXX by EXPERIAN BUSINESS CREDIT dated XX/XX/23 is reporting to consumer reporting agencies. I received no disclosures for this hard inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48326
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A