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: When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXXXXXX 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: AR
Zip: 716XX
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am writing to bring to your attention the ongoing and frustrating situation regarding the reporting of inaccurate information on my credit file. Despite my numerous attempts to rectify the issues related to both a late open account and the presence of charge off accounts, the inaccuracies persist, negatively impacting my creditworthiness.Under the Fair Credit Reporting Act ( FCRA ) it is the responsiblity of the credit bureau 's to correct or remove the said accounts in my credit file. I am now submitting a formal complaint and urge the credit bureaus to conduct an immediate and comprehensive reinvestigation into the reported inaccuracies, including both the late open account and the charge off accounts. I am deeply frustrated by the persistence of these inaccuracies, which have significant consequences on my financial well-being. I trust that, given the gravity of these matters, your team will prioritize these issues for immediate resolution. I am asking for your assistance to correct these late open and charge off accounts in my credit file : XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/2020 - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hey my name is XXXX XXXX XXXX I have recently discovered unauthorized fraudulent OPEN AND CLOSED ACCOUNTS and INQUIRIES on my XXXX, XXXX 's And Experian credit report To whom it may concern : I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 I ), I challenge all inaccuracies and deficiencies of reporting. Per the FCRA compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27707
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: Account information incorrect
Consumer Complaint: I have been submitting various requests to XXXX, Experian and XXXX to have my payment history updated to reflect accuracy. Each agency is reporting different info for months XXXX and XX/XX/2023. They are illegally reporting inaccuracies on my profile. Furthermore this data should be excluded from my consumer report or reflect applicable to me. I have advised the credit agency of the errors and of my rights that are not being obeyed. XXXX sent a letter saying info verified but provided no proof of verification as I requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 194XX
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: On XX/XX/2023 I applied for a personal loan with XXXX since they stated they were going to pull my XXXX credit report. Every time I have pulled my XXXX credit report it shows a score of XXXX with no delinquencies which is consistent with what was ruled by an elected Texas Judge last month. When I got the response from XXXX they stated my XXXX score was showing delinquencies and a score at XXXX because of defaulted debt. I filed a complaint over a month ago to make sure they information I was receiving was the same they were sending to lending companies. This shows that is NOT the case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 766XX
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75078
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, this creditor has violated my rights under 15 USC 1681, section 602, which states I have the right to privacy 15 USC 1681, section 604A, section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 334XX
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: Problem with personal statement of dispute
Consumer Complaint: I am writing for the third time now to make the cfpb and XXXX XXXX aware that XXXX is violating my consumer privacy rights by willfully not complying with my written notices and demands. the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the 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. '' 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information, as I have already revoked all whether it be verbal, non-verbal, written, implied or otherwise in my notice dated XX/XX/23 which all companies have received and it is also evidenced by my first complaint filled on XX/XX/23 id XXXX and XXXX. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX never informed me of my right to exercise my nondisclosure option. in addition to this, I have written several complaints against XXXX for their willful noncompliance in honoring my opt-out request. XXXXXXXX XXXX stated that they received my notice to opt out and continued to dishonor it because " Customers are unable to opt out of credit reporting ''. I asked XXXX for the law that states I was unable to opt out of reporting since I contended that 12 CFR 1016.10 ( a ) ( 1 ) EXPLICITLY STATES " ( 1 ) Conditions for disclosure. " you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless : ( ii ) " You have provided to the consumer an opt-out notice as required in 1016.7 " ( iii ) " You have given the consumer a reasonable opportunity, before you disclose the information to the nonaffiliated third party, to opt out of the disclosure; and ( iv ) The consumer does not opt-out. '' under section 2 12 CFR 1016.10 ( 2 ) " Opt out means a direction by the consumer that you not disclose nonpublic personal information about that consumer to a nonaffiliated third party, '' XXXX XXXX failed to meet the conditions of disclosure as they XXXX never provided me the consumer an opt-out XXXX they never gave me a reasonable opportunity to opt out of the disclosure. and XXXX I have sent XXXX formal notices to opt out that date back to XX/XX/23. XXXX XXXX stated in their response that I consented to their terms and agreements that permitted them to furnish my data. in their card member agreement, does not state at all the option to opt out or how to exercise my nondisclosure agreement. you can find their agreement online at XXXX XXXX XXXX on page 14 is their " Credit Information & Credit Reporting '' which states " This section describes how we use information about you that we obtain from credit bureaus, what information we may provide about you to credit bureaus, and how to dispute items on your credit bureau report. '' it continues to page 15 but nowhere in this agreement was I given notice of my right to opt-out or exercise a nondisclosure agreement. 12 CFR 1016.10 ( b ) clearly states that ( 1 ) You must comply with this section, regardless of whether you and the consumer have established a customer relationship. ( 2 ) Unless you comply with this section, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer that you have collected, regardless of whether you collected it before or after receiving the direction to opt-out from the consumer. since XXXX failed to comply with the federal code they are not permitted to furnish my data yet they still are reporting adverse claims to my report unlawfully. in addition to this XXXX stated The privacy policy was provided to the Customer at the time of account opening XXXX XXXX XXXX XXXX XXXX at any time. again this policy does not mention my ability to exercise my right to opt-out. I made XXXX XXXX aware that per 12 CFR 1016.7 XXXX XXXX must provide a clear and conspicuous notice to each of its consumers that accurately explains the right to opt-out under that section. The notice must state : ( i ) That you ( applecard ) disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt-out right. again XXXX failed to provide this critical information to me during the time I had an account with applecard. also as stated in section ( ii ) clearly states that I the consumer have the right to opt out of the disclosure between XXXX and I. Among the violations XXXX also had unreasonable opt-out means as the only way I can opt out is to write a letter which violates 12 CFR 1016.7 ( 2 ) ( iii ) that states You XXXX XXXX XXXX do not provide a reasonable means of opting out if : " ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right ; ''. I again ask the cfpb to help me enforce my consumer privacy rights and demand applecard to provide the law that states I can not opt out since XXXX has made baseless claims that " customers can not opt-out '' and have failed to provide any proof of this claim even after I specifically asked them for clarity on this matter. as I have made my rights to opt-out, and expressed APPLECARD violations of federal law under 15 USC 1681 section 604, and15 USC 6802 ( b ) ( c ) clear backed by my consumer privacy rights codified in the cfr 12 CFR 1016.4, 12 CFR 1016.10, and 12 CFR 1016.7, I ask that XXXX provide proof of claim that, they tried to contact me on the said dates they stated, law or any other federal code that disputes my rights to opt-out. in both complaints that were filed, they failed to furnish the proofs I have asked for. XXXX XXXX has provided false claims against my consumer rights. XXXX XXXX has also used deceptive trade practices that have negatively impacted my financial capabilities. because XXXX 's actions have caused me significant emotional and financial distress as a result of the unlawful invasion of my consumer privacy. I am asking for the immediate removal of all reporting and to be opted out upon receiving this notice. I ask that CFPB protect my consumer rights as I continue to be negatively impacted by XXXX will noncompliance and neglect.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32301
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: Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 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: 32277
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: 2023-12-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the persistent presence of fraudulent items on my credit report despite numerous attempts to have them removed. I first became aware of the fraudulent items on my credit report. Since then, I have diligently followed the necessary procedures to dispute these inaccuracies. I have submitted detailed explanations, supporting documentation, and any other required information as part of my attempts to rectify the situation. Regrettably, my efforts have been met with continuous resistance, and the fraudulent items remain on my credit report. This situation is not only compromising my financial well-being but also causing considerable stress and anxiety. I understand the importance of maintaining accurate credit reports to ensure the integrity of financial transactions and decisions. The fraudulent items in question pose a significant threat to my creditworthiness and financial stability, and I can not overstate the urgency of their removal. I kindly request that you conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my credit report. Additionally, I am seeking clarification on the reasons for the repeated failures to address this issue adequately. I understand that resolving cases of fraud can be complex, but the persistent nature of this problem is deeply concerning. I trust that you will treat this matter with the urgency and seriousness it requires, ensuring a prompt and comprehensive resolution. If this matter is not addressed to my satisfaction withinthe exact timeframe from the date of this letter, I may be left with no choice but to escalate my complaint to the appropriate regulatory authorities. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/2020 XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/2020.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A