Date Received: 2023-12-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX reported on my credit an account opened XX/XX/22 for the amount of XXXX. This account DOES NOT BELONG TO ME. Please remove from my credit report immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33309
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
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 collection in the amount of {$1000.00} is being reported as a collection on my credit file. The original creditor, XXXX XXXX, is claiming that I opened car insurance with them that has went unpaid. This is completely false and erroneous! I have never owned a vehicle in my life nor have I ever had nor authorized any person to open car insurance on my behalf. I have contacted XXXX XXXX, XXXX, XXXX and Experian but this account still remains on my report. Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33155
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
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. Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 a 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: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I opened a XXXX XXXX card at or around XX/XX/XXXX. The account number was XXXX. The account remained in good standing up until the point that the account was fraudulently taken over in XXXX. I submitted a police report and a FTC report to support my dispute. XXXX did not accept my documents and choose not to honor the XXXX fraud liability on the account. The credit limit on the card was {$4500.00} During the time of my dispute of these fraudulent charges with XXXX the account declined. While I was informed that no payment for fraudulent charges were due, the account reported 30, 60, and 90 days late and accumulated interest. XXXX charged off the account while it was in dispute with the credit bureaus. I paid taxes on the fraudulent activities, because I was issued a 1099C. I was powerless against XXXX because despite submitting the police report and the FTC report the collection process continued and my documents were ignored. I eventually agreed to settle the debt for 40 % of the balance to protect my credit under the condition that XXXX agreed to remove the adverse reporting. However, I was deceived as XXXX never removed the account nor the late reporting. I have called several times since ; and I was told that " it is not in XXXX policy to remove items ''. I've argued my case before XXXX XXXX member services, XXXX credit reporting department and the XXXX Fraud and recovery department and its a big game of music chairs. I've been on the phone for days getting no where by transferred from department to department. There are no case numbers to show that XXXX even investigated my fraud dispute. I've asked for the statements for XXXX, payment history and the information used during the investigation and I was informed by the Recovery and Fraud team that there is no record of a fraud investigation and I would need to submit a formal request and a subpoena for the credit card statements during the time of fraud. Formal Request- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Card Member Service XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27712
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 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 INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency the Written permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY! To whom it may concern : I am officially asking you to review your data on file for me! Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 30 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27612
Submitted Via: Web
Date Sent: 2023-12-28
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: Consumer reports list a hard inquiry for XXXXXXXX XXXX XXXX dated XX/XX/2023. No disclosures were provided to inform of 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
Date Received: 2023-12-28
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I am writing to request the removal of certain accounts from my credit report. After a careful review, I believe the information related to the following accounts is inaccurate : Accounts are paid in full. XXXX XXXX # XXXX date XX/XX/2023, XXXX XXXX # XXXX Date XX/XX/2023, XXXX XXXX XXXX XXXX # XXXX Date XX/XX/2023 Enclosed are supporting documents received from the company for your review. I request a prompt investigation, verification, and update of my credit report in accordance with the Fair Credit Reporting Act. Thank you for your attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
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: 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : XXXX XXXX AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34119
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been disputing XXXX XXXX on my credit profile, I was a victim of identity thief and every time I dispute the account it will come back as verified even after I point out multiple violations and prove that all my XXXX credit reports are reporting different information from this company they are reporting deceptive information on reports also and is in violation of my consumer rights I have requested a validation letter from the company also requested method of verification from the credit bureaus on how they conducted they investigation. Also I did not authorize XXXX XXXX XXXX to report on credit profile. And I requested that the credit bureaus delete the account and they refused even after I notified them of the deceptive account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94621
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
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 REQUESTED MY CONSUMER REPORT AND SAW THAT THERE WAS INACCURATE INFORMATION being reported that I as the consumer not notified about before reporting. On XXXX XXXX XXXX I sent out a debt validation letter to XXXX XXXX XXXX the debt collection agency, and have not gotten a response since. I reached out to the credit reporting agencies after 30 days, requesting proof of the account, the method used, and certified receipts just proof as to why the inaccurate account was still reporting, I was told by the credit reporting agencies that the furnisher validated the account and its final as if I the consumer have no legal rights to my consumer file. The consumer agencies are ABOVE LAW by not following the law. All this back and forth without a solution has caused me 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: 30319
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A