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: XXXX XXXX XXXX This letter is my final communication regarding the account XXXX. On XXXX XXXX 2023 I received correspondence from your company saying that you would cease communication and credit reporting until the account was validated. To date, the account has yet to be verified and it has only been removed from XXXX. I am demanding that this account be deleted from Experian and XXXX immediately. I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher. Furthermore, I have requested your method of verification and you have not complied, which is an additional violation. I contacted the original creditor, and they informed me that XXXX XXXX XXXX is not the company that XXXX XXXX sold the account to which I previously informed your company. The account was sold to XXXX XXXX then XXXX XXXX. Original documentation bearing my signature for this alleged debt was never presented. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA and FDCPA. Attached is the letter from the original creditor. Remove this account from my credit report within 7 days or I will be suing your company for false credit reporting, negligence, and defamation of character.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75154
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am writing to report an unauthorized inquiry on my credit report. I recently discovered an inquiry that I did not authorize or have knowledge of this inquiry as a result of identity theft and must be removed no later than four ( 4 ) business days as per 15 U.S. Code sec. 1681c-2. I have also requested the Federal Trade Commission 's intervention to investigate and rectify this matter promptly. Thank you for your prompt attention to this matter. IXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX of XXXX XX/XX/XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85296
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: Investigation took more than 30 days
Consumer Complaint: I sent XXXX letters to XXXX XXXX company and the companies hasn't responded in the XXXX days XXXX reached out to the companies and notified them as well with a XXXX follow up letter that they haven't responded in the time allowed and now XXXX requesting to have theses items removed from XXXX XXXX reports. 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: PA
Zip: 19140
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: On XX/XX/2023, I attempted to pay my minimum monthly payment through the mobile XXXX app. I was unable to add my bank XXXX XXXX XXXX despite submitting the correct account and routing credentials. I have a screen shot showing this ; the result makes me suspect that these issues are systemic/software based. Nonetheless I contacted XXXX to make sure there was no blockages or restrictions on my account. I can confirm that there was nothing in XXXX systems blocking these actions. I then reached out to XXXX letting them know that I was having issues adding my bank account to pay my bill. I gave them my XXXX account information and they told me that my account was either not active or prohibited. This means I had to prove the account was active by reaching out to XXXX and merging the call. The call ended up dropping for some reason and I had to restart. I was able to get both parties ( XXXX XXXX XXXX ) to be on the call together. They verified my information and validated that my account was active. The XXXX representative informed me that the payment would go through and I don't have to do anything else or worry. I have emails confirming the payment went through from my XXXX bank account on the XXXX, from XXXX. I check a few days later on the app and see that I am still late on a payment. I was confused and realized that the payment didn't go through. I end up using the debit card for my XXXX account to pay the now late monthly payment. I shouldn't have been late if XXXX systems accepted the validated XXXX account information. Also if that method didn't work it is XXXX 's responsibility to reach out immediately with alternatives. Now I have a delinquency on my credit report for something I had no control of. When I call XXXX and inquire about them removing it they say that they can't because " its not a XXXX error, its a bank error ''. Technically it would be a XXXX error because they asked for the wrong information and didn't contact me in reasonable time to address the issue. Also my bank has no showings that XXXX returned any payments from the XXXX. The odd part is that all the information I provided was correct and cosigned by a bank member. Its XXXX prerogative to ensure that the proper measures are taken and that means asking for relevant information. The ruling is that XXXX made no mistake since they couldn't locate my account based off the information I provided. I only provided the information they asked for, if they understood the situation more and requested the right things this probably wouldn't have happened. They still are blaming XXXX which I don't understand because they had no influence on the payment being made. This negative on my report is invalid because all the information I provided for the account holding the funds was correct. So you either blame XXXX system or their representatives ignorance for the way the situation unraveled. To make things worse the calls were recorded and played back. All the information was proven to be right, but XXXX 's system still failed to locate my bank account. It was my first ever late payment and I had no real liability in the situation. I took a lot of time and effort trying to make the payment to avoid the credit tank. To make things worse XXXX hasn't provided any evidence that my bank returned or denied a pull for the funds. Like I mentioned earlier I have emails confirming payments made from XXXX on the XXXX, that were sent from XXXX. I need to get this off my record because I actually attempted the payment with the resources they offered, mind you before the deadline. And I definitely had the funds in the account so that wasn't the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28054
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: Contacted company a little over XXXX XXXX ago to opt-out of sharing XXXX personal information/data to XXXX parties ( Experian, XXXX, XXXX ) XXXX XXXX consumer report still has not been updated and its been past XXXX days. They are in violation of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would like the specific account removed from XXXX XXXX exercising XXXX XXXX pursuant to XXXX XXXX. XXXX Obligations with respect to disclosures of personal information and XXXX XXXX. XXXX Opt-Out enforcement which all coincides with the United States XXXX XXXX XXXX Privacy Act of XXXX establishing a Code of Fair Information Practice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34953
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: 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 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 a 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: NY
Zip: 11553
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 have communicated with XXXX regarding the bankruptcy that is currently reporting on my credit report and they have provided confirmation of this bankruptcy case : ( XXXX ), is not listed in their system with my profile. Experian have sent me documents saying they have received confirmation XXXX. This is a lie. Attached you will find the correspondence from the Bankruptcy court house and XXXX XXXX regarding this matter. Please remove these items that do not belong to me from my credit report. Attached you will also find my ID, and Proof of Address with my most recent bill.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 390XX
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: Incorrect information on my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37130
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 a victim of identity theft since XXXX I have poof that my identity have been compromised it not fair to me that I got to suffer from someone else wrong choices I have no knowledge of the accounts thats reporting to my credit report they have been open with my information fraudulently the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent supporting documents stating that my identity where compromised and the accounts we open without my consent or knowledge using my information Under federal law 15.USC 1681A SECTION 2B STATES THAT I HAVE THE RIGHT TO DELETE ANYTHING OFF MY CUSUMER REPORT THAT HAVE BEEN OPEN USING MY INFORMATION WITHOUT MY CONSENT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77090
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: Upon reviewing my credit report, I noticed an unauthorized account from XXXX XXXX and charges on said account. I notified them this account was created without my consent. I also filed a fraud report, showing this theft had been reported. They continued to publish inaccurate information on my credit profile, with all three credit reporting agencies after giving them documentation. They closed the account and left it on my credit report. It was never my account and needs to be removed as it is affecting my overall ability to obtain credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A