Date Received: 2024-01-23
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Re : Request for Removal of Unauthorized Inquiries and Account from Credit Report Dear Experian Consumer Assistance, I hope this letter finds you well. I am writing to bring to your attention a serious matter concerning unauthorized inquiries and the addition of an unauthorized account on my credit report. This breach of privacy has raised significant concerns regarding identity fraud and the violation of my rights under both Texas state laws and federal regulations. It has come to my attention that certain creditors have accessed my non-personal information without my consent. This blatant breach of privacy is not only unethical but may also constitute identity fraud, a matter of utmost concern. I am particularly troubled by the unauthorized addition of an account to my credit report, an action I did not authorize. Even in situations where a permissible purpose exists, it is essential to emphasize that the consent of the consumer is still required. I want to make it unequivocally clear that I did not provide consent for the creditors in question to access my personal information or add an account to my credit report. This violation of my privacy rights is unacceptable, and I demand immediate corrective action. To address this issue effectively, I kindly request the removal of all unauthorized inquiries and the associated account from my credit report. I believe that taking prompt action to rectify this situation is crucial not only for my financial well-being but also for upholding the principles of privacy and consumer protection. In accordance with Texas state laws, I would like to draw your attention to the following codes that pertain to the protection of consumer rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Transfers Additionally, I urge you to consider the federal laws that support my case : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Fair and Accurate Credit Transactions Act ( FACTA ), 15 U.S.C. 1681m I expect that Experian, as a reputable credit bureau, will take swift and decisive action to rectify this breach of privacy. Your cooperation in this matter is crucial to maintaining the integrity of consumer credit reporting and protecting the rights of individuals. I anticipate a thorough investigation into this matter and request written confirmation of the removal of unauthorized inquiries and the associated account from my credit report within 30 days of receiving this letter. Thank you for your immediate attention to this matter. I trust that Experian will uphold its commitment to consumer rights and privacy. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77019
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/year> XXXX, XXXX, Experian and XXXX reported bankruptcy on my credit report and file. The agencies listed above needs to remove the inaccuracies of reporting and its a violation of METRO 2 Compliance. I have uploaded the FTC report I have filed and documentation from the US Bankruptcy Court showing that they do not provide information to 3rd parties. I did NOT consent to anything being posted on my credit report or file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90039
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act Convergent account XXXX XXXX XXXX XXXXXXXX, account # 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 an 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: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/XXXX Subject : Complaint and Urgent Request for Compliance Dear receipant, I hope this communication finds you in good health. I am writing to you regarding some substantial concerns I have uncovered during my thorough examination of the operations of XXXX. As a conscientious consumer and advocate for ethical business practices, I believe it is crucial to bring these matters to your attention for immediate investigation and resolution. 1. Opting Out Violation ( 15 USC 6802-6805 ) : Upon reviewing the legal framework provided by 15 USC 6802-6805 , which empowers consumers to opt out of financial information sharing with institutions, I have observed potential instances where XXXX XXXX XXXX California might not be fully adhering to these statutory provisions. This has raised concerns about the protection of consumer privacy rights. It is my earnest request that your team conducts a comprehensive review and takes necessary steps to rectify any non-compliance issues promptly. 2. Credit Report Accuracy Infringement ( 15 USC 1681 ) : In the course of scrutinizing my credit report obtained from [ ExperianXXXX XXXX XXXXXXXX XXXX, I have uncover discrepancies that may be in violation of 15 USC 1681. This crucial federal law mandates the accuracy and fairness of credit reporting, placing a responsibility on entities like XXXX to conduct thorough investigations and promptly rectify any inaccuracies. Ensuring compliance with this law is vital for maintaining consumer trust and confidence. 3. CFPB Complaints Negligence : My investigation has brought to light a potential neglect in addressing and resolving complaints submitted to the Consumer Financial Protection Bureau ( CFPB ). Failure to actively engage with and resolve these complaints is a direct violation of CFPB regulations. I urge XXXX, EXPERIAN, XXXX to conduct an in-depth internal review, recognizing and rectifying any shortcomings in addressing outstanding complaints. This proactive approach is not only essential for regulatory compliance but also crucial for upholding the reputation of your organization. 4. Privacy Act of 1974 Non-Compliance ( 5 U.S.C. 552a ) : Preliminary findings suggest a potential non-compliance with the Privacy Act of 1974 ( 5 U.S.C. 552a ). This federal legislation mandates precise management of personal information by government entities. Any deviation from its stipulations requires immediate attention. I strongly recommend that XXXX, EXPERIAN, XXXX initiates an immediate internal audit to ensure strict adherence to the Privacy Act. Proactive steps in this regard will not only align the organization with legal mandates but also enhance overall data protection measures. 5. General Redress and Compensation ( 15 U.S.C. 1681n ) : The collective impact of these infringements has resulted in both quantifiable and intangible harm. In accordance with 15 U.S.C. 1681n, I formally demand XXXX, EXPERIAN, XXXX to provide due compensation for the distress and material losses borne as a direct consequence of these transgressions. This includes but is not limited to the time and effort expended in rectifying inaccuracies, emotional distress, and any financial repercussions suffered. To facilitate a fair and swift resolution, I kindly request a comprehensive response addressing each of the highlighted concerns within [ 30 days ]. I believe that your immediate attention to these matters will not only lead to a swift resolution but also uphold the integrity of legal mandates and safeguard the rights and interests of consumers. Thank you for your prompt consideration. I look forward to your timely response. Yours sincerely, 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: 30252
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Please see attached documentation to meet demands in a timely fashion. PLEASE DO NOT SEND ME A LETTER VIA MAIL SAYING YOU DO NOT RECOGNIZE OR DO NOT THINK THAT IT IS INDEED MYSELF, XXXX XXXX XXXX AND YOU CANCEL THE COMPLAINT!!!!! I HAVE SUBMITTED MY ID AND MY SOCIAL SECURITY CARD AS VERIFICATION THAT I, XXXX XXXX XXXX, AM SUBMITTING THIS ALONE WITHOUT ANY THIRD PARTIES OR INFLUENCE!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
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 called Experian to dispute a fraudulent account on my credit report that I did not apply for. The first representative refused to help so I got transferred to a manager, the manager was also no help and when I requested what documents they had received, the representative hung up on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80220
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: After looking through my credit report I saw some hard inquiries that do not belong to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34142
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Please see the attached XXXX complaint and remove the following account from my credit report due to the alleged debt being past the statute of limitations. I will find it necessary to take legal action against Experian if this account is not deleted within 7 days XXXX XXXX. Experian is the only credit reporting agency reporting this inaccurate information. This debt has been uncollectible since 2021, so why is there a balance on a closed account? Furthermore, this is year XXXX, so this account is due to be removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75253
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/XXXX Subject : Complaint and Urgent Request for Compliance Dear receipantt, I hope this communication finds you in good health. I am writing to you regarding some substantial concerns I have uncovered during my thorough examination of the operations of XXXX. As a conscientious consumer and advocate for ethical business practices, I believe it is crucial to bring these matters to your attention for immediate investigation and resolution. XXXX. Opting Out Violation ( 15 USC 6802-6805 ) : Upon reviewing the legal framework provided by 15 USC 6802-6805 , which empowers consumers to opt out of financial information sharing with institutions, I have observed potential instances where XXXX XXXX XXXX California might not be fully adhering to these statutory provisions. This has raised concerns about the protection of consumer privacy rights. It is my XXXX request that your team conducts a comprehensive review and takes necessary steps to rectify any non-compliance issues promptly. XXXX Credit Report Accuracy Infringement ( 15 USC 1681 ) : In the course of scrutinizing my credit report obtained from [ Experian/XXXX XXXX XXXX XXXX, I have uncover discrepancies that may be in violation of 15 USC 1681. This crucial federal law mandates the accuracy and fairness of credit reporting, placing a responsibility on entities like XXXX to conduct thorough investigations and promptly rectify any inaccuracies. Ensuring compliance with this law is vital for maintaining consumer trust and confidence. XXXX. CFPB Complaints Negligence : My investigation has brought to light a potential neglect in addressing and resolving complaints submitted to the Consumer Financial Protection Bureau ( CFPB ). Failure to actively engage with and resolve these complaints is a direct violation of CFPB regulations. I urge XXXX XXXX XXXX California to conduct an in-depth internal review, recognizing and rectifying any shortcomings in addressing outstanding complaints. This proactive approach is not only essential for regulatory compliance but also crucial for upholding the reputation of your organization. XXXX. Privacy Act of 1974 Non-Compliance ( 5 U.S.C. 552a ) : Preliminary findings suggest a potential non-compliance with the Privacy Act of 1974 ( 5 U.S.C. 552a ). This federal legislation mandates precise management of personal information by government entities. Any deviation from its stipulations requires immediate attention. I strongly recommend that XXXX XXXX XXXX california initiates an immediate internal audit to ensure strict adherence to the Privacy Act. Proactive steps in this regard will not only align the organization with legal mandates but also enhance overall data protection measures. XXXX. General Redress and Compensation ( 15 U.S.C. 1681n ) : The collective impact of these infringements has resulted in both quantifiable and intangible harm. In accordance with 15 U.S.C. 1681n, I formally demand XXXX XXXX XXXX to provide due compensation for the distress and material losses borne as a direct consequence of these transgressions. This includes but is not limited to the time and effort expended in rectifying inaccuracies, emotional distress, and any financial repercussions suffered. To facilitate a fair and swift resolution, I kindly request a comprehensive response addressing each of the highlighted concerns within [ 30 days ]. I believe that your immediate attention to these matters will not only lead to a swift resolution but also uphold the integrity of legal mandates and safeguard the rights and interests of consumers. Thank you for your prompt consideration. I look forward to your timely response. Yours sincerely, 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: 30252
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A