Date Received: 2023-12-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: For many years I have been trying to build my credit, and due to unfair reporting from XXXX and creditors, I have not been able to do so. XXXX also had my account locked for many years without my acknowlegement until this year after finding out. I keep having to dispute inaccurate loan amounts, addresses, and including the spelling of my name and etc. XXXX also kept inquiries on my account for many years that should have been removed.Within the last month I had applied for 2 rental properties that do tenant screening through XXXX. I was denied because of low resident score. From XX/XX/XXXX to XX/XX/XXXX, it dropped to XXXX from XXXX. I called both XXXX Call Center, and their rental Rental Screening Dept. and I was not given a good answer as to why it dropped so fast. I been renting for many years, and has not had any judements, leins, or etc against me.I do not have many deliquent accounts. I been having to dispute for months regarding XXXX XXXX XXXX XXXX reporting inaccurate loan amount due. XXXX would investigate and conclude that its update, even after I told them amounts paid. I have attached proof of payments at the bottom. THis is not the only one. Get it now XXXX who is own by XXXX XXXX XXXX has been doing the same as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55448
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 am a victim of identity theft please remove this fraud inquiry from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27834
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: A fraudulent account opened in my name by XXXX XXXX XXXX. See details below from Experian. I had account closed by credit grantor back in XXXX but my credit has been adversely affected and my score has not improved. Would like to file complaint as part of ongoing fraud dispute reports directly with credit bureaus which I am filing. XXXX XXXX XXXX XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/2023 Status Closed. {$210.00} past due as of XX/XX/2023. Status updated XX/XX/2023 XXXX {$800.00} Balance updated XX/XX/2023
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94010
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: Reporting company used your report improperly
Consumer Complaint: The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. Click here to see a list of DOJ systems of records and their Federal Register citations. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual unless the disclosure is pursuant to XXXX of XXXX statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements. Per 16 CFR 313.7 ( f ) ( f ) Continuing right to opt out. A consumer may exercise the right to opt-out at any time. I have opted out but they are continuing to report my private nonpublic information against their terms and conditions by supplying it to non-affiliated third parties, not supplying me with the required opt-out documentation, and committing Identity theft by using my copyrighted name. 16 CFR 313.1 Authority:15 U.S.C. 6801 313.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. ( a ) Privacy obligation policy It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Also, a charge-off is a " certificate of indebtedness '' and is now being reported as " INCOME '' which is " NOT ALLOWED '' to be reported 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: 304XX
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: 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 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: FL
Zip: 32808
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: Account status incorrect
Consumer Complaint: The XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, I have received several emails from so-called Experian on results of credit report disputes, credit score information, credit cards offer, saving offer, car loan offer, and service for the consumer individual saving. I would like to inform a following issues, which I have already sent to Consumer Financial Protection Bureau. There are three email addresses which relate with Experian, XXXX, XXXX, and XXXX. The first email address, XXXX sent many offers, which do not relate with credit report at all. Other two emails offer credit report. The first one has the website of Experian, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX registration. After I wrote about this much, I tried to find out the links of these two credit reports. I found out the former one, which I believe it was the information of credit report or, otherwise, the information of saving accounts, turned into the credit cards offer link XXXX XXXX XXXX XXXX XXXX XXXXXXXX In these credit reports, there are the mentions of my credit cards account. It looks I have two accounts, which both start from XXXX. In usa.experian.com, the first account record says the account was open XX/XX/XXXX, and this one I agree. However, the account was closed in XX/XX/XXXX, even though I still use. And its balance history was {$0.00} from XX/XX/XXXX, which was the remaining record or observable record in website. And this account was closed due to the customers request, but I never asked to close to XXXX XXXX XXXXXXXX. Another account record of same account number says account was opened on XX/XX/XXXX. XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) is the contact number for both accounts. Another Experian credit report seemed to say the monthly payment ; however, now after 20 mins., the report says {$0.00} payment, even though I must have had the payment. Since I have observed that these two Experian credit report suppliers change the content of report in the name of the result of dispute without my request, such as the year of my birth and one questionable function, fraud alert, which disappears after I requested, then appears again to add fraud alert nest time ; that means, the latter Experian asks me to add fraud alert every time, even though, now, there are extended fraud alert. Since the contents of these reports are not reliable, especially on internet, I would ask Experian, addressed Experian, XXXXXXXX XXXX XXXX XXXX, TX XXXX To provide the formal written credit report. As far as I remember, I have not received any from this company, even though other three credit report companies have sent the formal written one to me as their evidence to let me dispute properly. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
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: Personal information incorrect
Consumer Complaint: As per checking on my credit report last XXXX months ago, I saw these inaccurate addresses and name on the personal information section of the report. I tried contacting the credit reporting agencies by sending them letters requesting to remove these information because they are not mine. Upon checking my latest report last XX/XX/XXXX, these incorrect information are still there. 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 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 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: MA
Zip: 02139
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: A hard inquiry from XXXX dated XX/XX/22 appears on consumer reports. No disclosures were given 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
Date Received: 2023-12-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Opt Out Notice Per the Fair Credit Reporting Act, as a federally protected consumer I, XXXX XXXX, am now opting out of any and all authorization I, the consumer may have given you written, unwritten, verbal, and non verbal per 15 USC 6802. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX XXXX never disclosed to me that I have the right to opt out of nonpublic personal information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX : Account # XXXX, has violated my rights. This company continues to report consecutive late payments to EXPERIAN INFORMATION SOLUTIONS , INC, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, XXXX from XXXX of XXXX. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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. - I never gave these written instructions. & also. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report. Thanks, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27804
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: 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 Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX 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: FL
Zip: 33351
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A