Date Received: 2024-02-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am requesting that it will be removed from my credit report as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76028
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This communication is in regards to Accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), that have been furnished to my consumer report by the Original creditors, respectfully. These alleged debts are showing on my consumer reports as collections or charged off but there hasn't been any 1099c sent to me for these alleged debts, if its charged off, per the IRS regulations. That is tax fraud and identity theft. Under law this income should have been reported on a 1099c and I have not received it in the mail. You are liable to pay a penalty if that has not been sent. These alleged debts should not be reporting to any consumer reporting agencies, as these alleged debts, after being charged off, are considered to be INCOME to the consumer, and therefore have no place on a consumer report. I have disputed directly with the consumer reporting agencies, but the have not been of any service. Its nearly impossible to speak with a live agent when you call them. In addition, the furnishing of these accounts is a direct violation of several federal regulations, including the FCRA, REGULATION P, The Privacy Act of 1974, as I, the consumer, have not given any entity the express written consent to furnish any of my nonpublic personal information. I am now exercising my consumer right to OPT OUT. Please remove these accounts IMMEDIATELY as they are causing my family and I great harm and distress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of Identity Theft. I need immediate attention. It hindrance my finances and affect my credit file. Remove the following accounts ASAP from my Credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Improper use of credit report, identity theft. Please delete following accounts. XXXX XXXX XXXX Acct #XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14609
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: From XXXX until today XX/XX/XXXX and I've called and written by mail and requested all contracts with wet ink signatures between XXXX XXXX and XXXX XXXX and all account statement for the alleged account that I have with XXXX XXXX. They've failed to produce and now have went so far as to harass me via a debt collection attorney who has my nonpublic information without my permission or consent. XXXX, XXXX and XXXXXXXX XXXX XXXX has opened up a court case in a county court that I do not live in and are tarnishing my name and character via the courts system. They had an address on file in XXXX XXXX XXXX and I never personally gave them this address stating that it was my own. XXXX XXXX sends me mail that says XXXX XXXX XXXX and I do not have any contracts with them either. This has caused mental and emotional pain to my life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20723
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
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 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: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
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: MN
Zip: 561XX
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
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: CA
Zip: 93662
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11412
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: 007XX
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A