Date Received: 2024-02-06
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I am not able to retrieve my credit report in any way. I have tried using AnnualCreditReport.com along with XXXX XXXX, and I continually receive one of the following errors : " A condition exists that prevents Experian from being able to accept your request at this time. ", " Unable to Complete Your Request Online '', or " Please give us a call ''. Upon contacting the relevant credit reporting bureau, the support agent is never helpful and I am repeatedly informed that nothing can be done. This is simply unacceptable behavior and it needs to be rectified immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48306
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-04
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've sent correspondence to this company and complaints to try and get this resolved. I don't want my Transactions published on my consumer report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07201
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX : In accordance with the Fair Credit Reporting act XXXX Account ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX, GA PLEASE REMOVE THIS IS NOT MY ADDRESS PUBLIC RECORD : REF # XXXX PLEASE REMOVE THIS ACCOUNT IT IS NOT ASSOCIATED WITH MY LEGAL NAME. IVE REQUESTED FOR VERIFICATION PROVING THAT I WAS A VICTIM OF IDENTITY THEFT AND NO VERIFICATION UNDER THE FCRA HAS BEEN SUBMITTED BACK WITHIN 15 DAYS THAT THIS ACCOUNT BELONGS. TO ME UNDER MY LEGAL NAME PLEASE REMOVE UNKNOWN ACCOUNTS REPORTED OR COLLECTION : XXXX account # XXXX this creditor has this Account under two different names due to my identity being stolen inaccuracy reporting is against my rights. This is not my account PLEASE REMOVEXXXX XXXX XXXX ref # XXXX was listed ILLEGALLY I am dumbfounded to know nor have any acknowledgement of this account, I have requested several times and under my rights company has refused in the 15 day time frame to verify Please REMOVE*XXXX # XXXX both accounts were under no rights to use my information under the FCRA AGAINST MY WILL or approval, I have no acknowledgement under identity theft rights to use my information without verifying proof of my identity to this company or being used PLEASE REMOVE both accounts from my credit* XXXXXXXX XXXX XXXX ref # XXXX this account XXXX not mine this account belongs to someone with or a similar name I never approved for this creditor to use my personal information for any credit reporting or usage HARD INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE REPORTING INACCURATE INQUIRES UNDER FCRA IS ILLEGAL AND AGAINST MY RIGHT LISTED ABOVE I DID NOT GIVE ANY OF THESE CREDITORS PERMISSION TO RUN MY CREDIT OR PROVIDE MY PERSONAL INFORMATION TO BE REPORTED TO A THIRD PARTY OR ANYONE WITHOUT MY PERMISSION AND LEGAL RIGHTS PLEASE REMOVE HARD INQUIRIES. I HAVE LETTERS THAT IVE CALLED EACH CREDITOR THAT IS LISTED N THIS COMPLAINT EXPLAINING SITUATION AND PLACED ON A HARDSHIP, INACCURATELY REPORTED ACCOUNTS AND IDENTITY THEFT LISTED FOR OVER 5 YEARS NO ACCOUNTS WITHIN THIS TIME FRAME SHOULD BE APPROVED WITHOUT MY ACKNOWLEDGMENT AND WITHOUT MY RIGHTS LISTED UNDER THE FCRA ALSO NO CREDITOR SHOULD REPORT THAT I WAS LATE WHEN I WAS UNDER A HARDSHIP, AND NOT WORKING AND IDENITY WAS STOLEN!! 15 U.S.C 1681 section 602A. States I have the rights 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. Thank you for your urgent review regarding my concerns! Please take this complaint seriously which has been effecting all my rights and my lively hood as a mother and a veterans spouse. Thank you XXXX EXPERIAN : In accordance with the Fair Credit Reporting act XXXX Account ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA PLEASE REMOVE THIS IS NOT MY ADDRESS I NEVER LIVED HERE I reported this address as a mistake and illegal reporting under my rights to the bureau account is still listed illegally PLEASE REMOVE UNKNOWN ACCOUNTS REPORTED OR COLLECTION : XXXX account # XXXX this creditor has this Account under two different names due to my identity being stolen inaccuracy reporting is against my rights. This is not my account PLEASE REMOVE*XXXX XXXX XXXX ref # XXXX was listed ILLEGALLY I am dumbfounded to know nor have any acknowledgement of this account, I have requested several times and under my rights company has refused in the 15 day time frame to verify Please REMOVE*XXXX # XXXX account were under no rights to use my information under the FCRA AGAINST MY WILL or approval, I have no acknowledgement under identity theft rights to use my information without verifying proof of my identity to this company or being used PLEASE REMOVE account from my credit* XXXX XXXX XXXXXXXX ref # XXXX this account is not mine this account belongs to someone with or a similar name I never approved for this creditor to use my personal information for any credit reporting or usage*XXXX REF # XXXX ( THERE ARE XXXX ACCOUNTS LISTED PLEASE REMOVE ALL XXXX ACCOUNTS ) THIS COMPANY HAS BEEN SENT LETTERS REQUESTING PROOF OF VERIFICATION THAT I HAVE PROVIDED THEM PROOF THIS ACCOUNT IS NOT MINE NOR DO I HAVE ANY ACKNOWLEDGMENT THIS ACCOUNT BELONGS TO ME -THE OTHER BUREAS REMOVED THIS ACCOUNT EXPERIAN HAS NOT WHICH IS MY RIGHTS TO CONTEST THIS INFORMATION-UNDER FCRA AND MY IDENTITY THEFT RIGHTS AUTHORIZATION TO USE MY CREDIT AGAINST ME AND ILLEGALLY TO A THIRD PARTY WITHOUT MY PERMISSION THIS COMPANY HAS FAILED TO PROVIDING THIS INFORMATION WITHIN THE 15 DAY LEGAL VERIFICATION DAYS GIVEN TO ANY CREDITORS still until this day nothing, this company has broken all possible league rights sharing and providing my formation to third parties that I did not agree nor confirm for them to give my information too share. PLEASE REMOVE IMMEDIATELY. I HAVE LETTERS THAT IVE CALLED EACH CREDITOR THAT IS LISTED N THIS COMPLAINT EXPLAINING SITUATION AND PLACED ON A HARDSHIP, INACCURATELY REPORTED ACCOUNTS AND IDENTITY THEFT LISTED FOR OVER 5 YEARS NO ACCOUNTS WITHIN THIS TIME FRAME SHOULD BE APPROVED WITHOUT MY ACKNOWLEDGMENT AND WITHOUT MY RIGHTS LISTED UNDER THE FCRA ALSO NO CREDITOR SHOULD REPORT THAT I WAS LATE WHEN I WAS UNDER A HARDSHIP, AND NOT WORKING AND IDENITY WAS STOLEN! 15 U.S.C 1681 section 602A. States I have the rights 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. Thank you for your urgent review regarding my concerns! Please take this complaint seriously which has been effecting all my rights and my lively hood as a mother and a veterans spouse. XXXX : In accordance with the Fair Credit Reporting act XXXX Account ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX, GA PLEASE REMOVE THIS IS NOT MY ADDRESSXXXX XXXX XXXX XXXX XXXX GA PLEASE. REMOVE I NEVER LIVED AT. THIS ADDRESS PUBLIC RECORD : REF # XXXX PLEASE REMOVE THIS ACCOUNT IT IS NOT ASSOCIATED WITH MY LEGAL NAME. IVE REQUESTED FOR VERIFICATION PROVING THAT I WAS A VICTIM OF IDENTITY THEFT AND NO VERIFICATION UNDER THE FCRA HAS BEEN SUBMITTED WITHIN 15 DAYS PLEASE REMOVE UNKNOWN ACCOUNTS REPORTED OR COLLECTION : **XXXX # XXXX both accounts were under no rights to use my information under the FCRA AGAINST MY WILL or approval, I have no acknowledgement under identity theft rights to use my information without verifying proof of my identity to this company or being used PLEASE REMOVE both accounts from my credit* XXXXXXXX XXXX XXXXXXXX ref # XXXX this account is not mine this account belongs to someone with or a similar name I never approved for this creditor to use my personal information for any credit reporting or usage I MUST BE TOLD WHEN INFORMATION IS BEING USED AGAINST ME HARD INQUIRY : XXXX XXXX XXXX ( XXXX ) *XXXX XXXXXXXXXXXX XXXX ( XXXX ) *XXXX XXXX XXXX XXXX XXXX* PLEASE REMOVE REPORTING INACCURATE INQUIRES UNDER FCRA IS ILLEGAL AND AGAINST MY RIGHT LISTED ABOVE I DID NOT GIVE ANY OF THESE CREDITORS PERMISSION TO RUN MY CREDIT OR PROVIDE MY PERSONAL INFORMATION TO BE REPORTED TO A THIRD PARTY OR ANYONE WITHOUT MY PERMISSION AND LEGAL RIGHTS PLEASE REMOVE HARD INQUIRIES. I HAVE LETTERS THAT IVE CALLED EACH CREDITOR THAT IS LISTED N THIS COMPLAINT EXPLAINING SITUATION AND PLACED ON A HARDSHIP, INACCURATELY REPORTED ACCOUNTS AND IDENTITY THEFT LISTED FOR OVER 5 YEARS NO ACCOUNTS WITHIN THIS TIME FRAME SHOULD BE APPROVED WITHOUT MY ACKNOWLEDGMENT AND WITHOUT MY RIGHTS LISTED UNDER THE FCRA ALSO NO CREDITOR SHOULD REPORT THAT I WAS LATE WHEN I WAS UNDER A HARDSHIP, AND NOT WORKING AND IDENITY WAS STOLEN!! 15 U.S.C 1681 section 602A. States I have the rights 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. Thank you for your urgent review regarding my concerns! Please take this complaint seriously which has been effecting all my rights and my lively hood as a mother and a veterans spouse. Thank you XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I took out some loans with XXXX XXXX in XXXX and XXXX. When I got the XXXX loan, I was terminated from my employment leaving me without a job, car and home. I got evicted from my home along with the repossession of my vehicle, I am currently homeless sleeping in motels with vouchers, on street corners, shelters, public restrooms, placesand abandoned buildings. Having the late payments from XXXX and XXXX are EXTREMELY BAD FOR MY CREDIT REPORTS AS I AM TRYING TO GET APPROVAL FOR HOUSING, A VEHICLE AND MORE STABLE EMPLOYMENT WITH MORE INCOME. For the XX/XX/XXXX, I paid off the loan EARLY!!! EXPEDITIOUSLY REMOVE ALL OF THE LATE PAYMENTS FROM ALL CREDIT REPORTS EXPEDITIOUSLY OR PAY {$34000.00} to {$100000.00} IMMEDIATELY!!! IF YOU FAIL TO COMPLY MY REQUEST, YOU ALL CAN AND WILL PAY ME {$100000.00} IMMEDIATELY ALONG WITH THE IMMEDIATE REMOVAL OF THE LATE PAYMENTS AND MY CURRENT LOAN PAID IN FULL OR IN ADDITION TO REMOVING THE LATE PAYMENTS, {$100000.00}, PAID IN FULL FOR MY CURRENT LOAN, I WILL GLADLY HAUL YOUR XXXX TO COURT UNLESS YOU ALL REMOVE ALL LATE PAYMENTS, PAY {$100000.00} and PAY OFF MY CURRENT LOAN EXPEDITIOUSLY!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my credit report. Please be advised that this is not a refusal to pay, but a notice sent under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made under the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following... 1 What money do you say I owe? : 2 Explain and show me how you calculated what you say I owe : 3 Provide me with copies of any papers that show I agreed to pay what you say I owe : 4 Provide a verification or copy of any judgment if applicable : 5 Identify the original creditor : 6 Prove the Statute of Limitations has not expired on this account : 7 Show me what you are licensed to collect in my state : 8 Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus { Experian, XXXX, or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1 Violation of the Fair Credit Reporting Act 2 Violation of the Fair Debt Collection Practices Act 3 Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease. Also, during this validation period, if any action is taken that could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : XXXX, Experian, and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer-generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted. It would be advisable that you ensure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33909
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently reviewed my copy of my credit report, noticed I have fraudulent account on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Un-Authorized inquiries 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: 33168
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
Issue: Electronic communications
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to you today to urgently request your assistance in addressing a concerning issue regarding an inaccurate collection account on my credit report. Personal Information : XXXX XXXX XXXX or XXXX Nature of the Complaint : An inaccurate collection account from XXXX XXXX, XXXX, EXPERIAN is currently appearing on my credit report without my consent or knowledge of any contract with this company. I have not authorized them to use my personal information or credit data in any way. Violations of the Fair Credit Reporting Act ( FCRA ) : This collection account directly violates several key provisions of the FCRA, including : Section 607 ( a ) ( 1 ) and ( 2 ) : Credit reporting agencies are required to ensure the accuracy, completeness, and timeliness of the information they report. Section 615 ( a ) ( 1 ) : No person may furnish inaccurate information to a credit reporting agency. Section 621 : Willful noncompliance with FCRA requirements can result in liability for actual damages or statutory damages of {$100.00} to {$1000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 16601
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I was not asked for written consent for the obtaining of my credit report and was not given any copy of my rights under the FRCA. I did not receive any notice before the reporting of the negative information in addition the inaccurate information has yet to be corrected. Neither was I informed that the negative information was being reported. I did not receive the opportunity to opt-out of having my private information shared with third parties. Please delete the following information as soon as possible. I WAS AN UNINFORMED CONSUMER THEY DIDNT GIVE ME THE PROPER DISCLOSURE TO OPT OUT OF CREDIT REPORTING ( 15 USC 6802 B )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 083XX
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-04
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: My ssn is wrong on all credit bureaus and its preventing me from being able to do my taxes so I need it fixed asap
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33844
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A