Date Received: 2021-07-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have these account that does not belong to me and i want it to be remove from my credit report. 1. Identity Theft TDAF Account Number : XXXX This is not mine. 2. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 This is not mine.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have sent out a letter to NORDSTROM CARD SERVICES concerning my credit report. Due to suspicious activity on my credit report. I simply asked NORDSTROM CARD SERVICES to validate and verify the information with that they have on file concerning collections accounts and Hard inquiries that they are reporting on my credit report. They have failed to send me anything that validates or verifies what they are reporting. With failure to do so, this matter doesn't just affect me it effects my family too. I am unable to apply and get approved for a home, a vehicle for transportation, and getting a good job. I would like to be rectified of this matter immediately. I have been trying to get this matter under controlled but got nowhere after 30 days and then a second letter sent another 20 days so 50 days of waiting on a response.
Company Response:
State: SC
Zip: 29803
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response:
State: NJ
Zip: 07753
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response:
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To someone in a position of authority, I am making a formal complaint because TD XXXX/XXXX XXXX has placed information on my report without my consent, and without validating the debt. I reached out to this company over 4 months ago and I still have not received a response. I informed them that they were violating 15 U.S.C. 1681a ( 2 ) ( B ) as they were supposed to exclude information from my report that was authorized by a credit card. I informed them of this violation and they have not responded to my correspondence. Additionally, I asked them to validate the debt they are reporting on my consumer report with XXXX ; I made a formal complaint with XXXX, and TD XXXX/XXXX XXXXXXXX and they both failed to show proof that this debt that they are reporting belongs to me. Because they failed to validate the debt with sufficient proof, they are in Violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. If I continue to be ignored about this matter I will proceed to seek litigation and remedy for {$1000.00} per violation for defamation of character, Negligent Enablement of Identity Fraud, and Violations of 15 U.S.C 1692g. I demand these accounts be deleted from my XXXX report within 5 days, or I will move forward with litigation and remedy. I also demand that that an updated report be mailed to me. Any actions taken to hinder my consumer report will also result in me seeking litigation and remedy. Thank you.
Company Response:
State: TX
Zip: 78244
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: 1st on the phone they told me I had been in arrears but now I wasn't. I received a letter XX/XX/XXXX and submitted complaint XXXX their response was a letter dated XX/XX/XXXX that claimed they had received late payments. I pay via electronic transfer in my checking account. I went through my checking statements and saw that the XXXX XXXX deducted the amounts on what dates. it did not match TDbank 's claims. in one PDF file titled " XXXX '' I have compiled the pages from my statements and XXXX rectangles about the payments. I created a spreadsheet showing dates paid, and the amount I am in excess of the scheduled installment payments. I have the original agreement with XXXX, the letters from TDbank with the fraudulent claims.
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-05
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a mail from TD Bank of an account that was open that I have no knowledge about, I contacted them right away and was told that someone open this account in my name, they told me that they will take further action to prevent anything fraudulent on there end, and I will be getting emails from them in regard to this.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2021-07-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XXXX of XXXX, I fell on hard times due to the current COVID-19 pandemic accompanied by the passing of my father. The pandemic and passing of my father left me extremely strained emotionally and financially. I had informed Nordstrom Credit Card Services of my ongoing circumstances and asked for all of the late fees for the current year to be waived. I was then met with much resistance. I was also told that my fees could not be waived due to them stopping the waiving of fees back in XXXX of XXXX. This is absolutely ridiculous considering that I have been a cardholder since XXXX and HAVE NEVER made a late payment, but when I truly need some assistance I am given nothing. I am currently a full-time college student as well as working full-time. I would like Nordstrom to remove any and all Late Fees from my account ranging from XX/XX/XXXX thru XX/XX/XXXX. I recently made a payment of {$220.00} to the account to be brought current but was then lied to and told that nothing could be done about the late fees. I am honestly disgusted with Nordstrom credit card, and it is truly appalling that I have to file a formal complaint to just get some sort of proper assistance. After this card is paid off I can assure you that I will no longer give Nordstrom credit card my business.
Company Response:
State: NY
Zip: 10801
Submitted Via: Web
Date Sent: 2021-07-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response:
State: CA
Zip: 90045
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was in the process of trying to settle a couple of debts that went into charge off status, once I contacted the companies I asked them for a deal of pay to delete. I was given the amount that they were willing to except and was told that once I paid the debt they would submit to the reporting credit bureaus to remove the account since they were the ones to have the debt placed. I was also told to write pay to delete on the money order or certified funds. I did all that was asked, now the companies don't even answer my calls nor do they respond to my letters
Company Response:
State: SC
Zip: 29420
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A