Date Received: 2024-02-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I Want these 3 inquiries blocked from my credit profile
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44124
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/scrub>XXXX XXXX sent a letter to XXXX XXXX to remove an alleged account from my consumer report that was the product of identity theft. I have not received a response nor has XXXX XXXX complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter that was mailed on XX/XX/scrub>XXXX and an updated FTC identity theft report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I urgently appeal to you to swiftly eliminate the unauthorized accounts from my credit report, as they were not authorized by me and are causing me significant distress. Please rectify this error promptly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60827
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. Account Name : XXXX Account Number : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60107
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11419
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXXXXXX XXXX XXXX XXXX -- XX/XX/XXXX No response XXXX. XXXX XXXXXXXX -- XX/XX/XXXX No response XXXX. XXXX XXXX XXXX -- XX/XX/XXXX Send letter XXXX. XXXX -- XX/XX/XXXX Call no response XXXX. XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX to my wife. XXXX XXXX XXXX XX/XX/XXXX XXXX to my wife. XXXX XXXX XXXX XXXX XX/XX/XXXX Going to court XXXX. XXXX XXXX -- XXXX Close the count XXXX. XXXX XXXX XXXX -- XX/XX/XXXX XXXX the Countdown. XXXX. XXXXXXXX XXXX XXXX XXXX -- XXXX Close the account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21229
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
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. 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: RI
Zip: 02910
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I filled out a FTC identity theft report on XXXX to report potential identity theft affecting my credit profile. Upon reviewing my recent credit report, I discovered unauthorized accounts and transactions that strongly indicate fraudulent activity. I did not initiate or authorize these entries, confirming my status as a victim of identity theft. the unauthorized account and transactions are attached in the Identity theft report I have uploaded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32714
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing to report a serious case of identity theft and unauthorized account activity that has affected me. I recently became aware of multiple data breaches that have exposed my personal information, leading to the opening and operation of accounts without my knowledge. I believe this has had a significant impact on my financial well-being and personal security. I was initially informed about these data breaches through notifications on my computer browser, indicating that my sensitive information may have been compromised. Additionally, I received information from my former employer confirming that my personal data may have been part of a security incident during my tenure with the company. As a result of these breaches, I have discovered that accounts were opened and operated without my consent. This unauthorized activity is reflected on my credit report, causing further distress and concern for my financial stability. I have taken immediate steps to freeze my credit, but the implications of this breach are far-reaching. I am reaching out to you in the hope that your organization can provide guidance and assistance in resolving this matter. I understand that XXXX is a valuable resource for victims of identity theft, and I am seeking support in navigating the necessary steps to rectify the fraudulent accounts, protect my personal information, and mitigate any further damage to my credit. In addition Hello, and thank you for taking the time to read this. Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY. These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A