Date Received: 2024-02-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I urgently request an update to my account since I've consistently made timely payments. The current situation is causing me stress and concern.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76180
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17602
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. XXXX XXXX Collection {$3800.00} XXXX XXXXXXXX Charge-off {$1400.00} XXXX XXXXXXXX Collection {$270.00} XXXX XXXXXXXX Charge-off {$210.00} XXXX XXXX XXXX XXXX Inquiry {$0.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10032
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76002
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft please remove this fraud inquiry from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The following inquiries are unauthorized. 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: SC
Zip: 29412
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to file a formal complaint regarding fraudulent items associated with my account or the activities despite multiple attempt. I believe these items are fraudulent, and I request their immediate removal and resolution. I trust that Credit Bureaus takes this matter seriously and will conduct a thorough investigation into the fraudulent items in question. I expect a prompt and diligent response, and I reserve the right to take further legal action if the issue remains unresolved. Despite my persistent and genuine efforts to rectify this issue in accordance with the Fair Credit Reporting Act ( FCRA ), these fraudulent items continue to tarnish my credit report. This situation is detrimental to my financial well-being and overall quality of life. Please acknowledge receipt of this complaint in writing within the specified timeframe and provide a contact person and their direct contact information for further communication. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76140
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76140
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Dispute 1 Account Number or other information to identify account : Source of dispute information : XXXX XXXX Type of disputed information : Transaction History Dates associated with item being disputed : Initial Date : XXXX in dispute are all dates from XXXX. Explanation of item being disputed : 15 U.S. Code 1681 ( a ) ( 2 ), Permissible purposes of consumer reports states, 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. The furnishers of information, financial institutions, and all Credit Reporting Agencies have my consent to furnish the fact that I have been one of their customers or obtained a financial product or service from them by providing their company name, account opening /closing dates, and pre-set account limits ONLY. They DO NOT have my verbal or written consent to provide/report any account balance information, payment history other than stating paid as agreed, overdraft history, and credit/debit card purchase information whatsoever. This company is reporting my transaction history which is a violation per Privacy Act of 1974 and 15 USC 1681. Also, I have not been given the option to opt out which should have been done initially and then every 30 days per 15 USC 6802 and CFR 313. The option to opt out was not and is not clear and conspicuous. Dispute 2 Account Number or other information to identify account : Source of dispute information : XXXX XXXX Type of disputed information : Transaction History Dates associated with item being disputed : Initial Date : XXXX in dispute are all dates from XXXX. Explanation of item being disputed : 15 U.S. Code 1681 ( a ) ( 2 ), Permissible purposes of consumer reports states, 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. The furnishers of information, financial institutions, and all Credit Reporting Agencies have my consent to furnish the fact that I have been one of their customers or obtained a financial product or service from them by providing their company name, account opening /closing dates, and pre-set account limits ONLY. They DO NOT have my verbal or written consent to provide/report any account balance information, payment history other than stating paid as agreed, overdraft history, and credit/debit card purchase information whatsoever. This company is reporting my transaction history which is a violation per Privacy Act of 1974 and 15 USC 1681. Also, I have not been given the option to opt out which should have been done initially and then every 30 days per 15 USC 6802 and CFR 313. The option to opt out was not and is not clear and conspicuous. My transaction history needs to be removed. Account Number or other information to identify account : Source of dispute information : XXXX XXXX Type of disputed information : Transaction History, Account is closed and paid as agreed. Dates associated with item being disputed : Initial Date : XXXX in dispute are all dates from XXXX. Explanation of item being disputed : 15 U.S. Code 1681 ( a ) ( 2 ), Permissible purposes of consumer reports states, 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. The furnishers of information, financial institutions, and all Credit Reporting Agencies have my consent to furnish the fact that I have been one of their customers or obtained a financial product or service from them by providing their company name, account opening /closing dates, and pre-set account limits ONLY. They DO NOT have my verbal or written consent to provide/report any account balance information, payment history other than stating paid as agreed, overdraft history, and credit/debit card purchase information whatsoever. My transaction history needs to be removed. Dispute 3 Account Number or other information to identify account : Source of dispute information : XXXX XXXX XXXX Type of disputed information : Charged Off Account-Sold to 3rd Party/Attorney Dates associated with item being disputed : Placed for Collection Date : XXXX in dispute are all dates from XXXX. Explanation of item being disputed : This account was sold/charged off. Charged off accounts are Certificates of Indebtedness and are income. Income can not be reported as debt. I have never received my copy of the 1099-c for this account. Dispute 4 Account Number or other information to identify account : Source of dispute information : XXXX XXXX XXXX Type of disputed information : Transaction History, Account is closed and paid as agreed. Dates associated with item being disputed : Date Opened : XX/XX/XXXX Dates in dispute are all dates from XXXX. Explanation of item being disputed : 15 U.S. Code 1681 ( a ) ( 2 ), Permissible purposes of consumer reports states, 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. The furnishers of information, financial institutions, and all Credit Reporting Agencies have my consent to furnish the fact that I have been one of their customers or obtained a financial product or service from them by providing their company name, account opening /closing dates, and pre-set account limits ONLY. They DO NOT have my verbal or written consent to provide/report any account balance information, payment history other than stating paid as agreed, overdraft history, and credit/debit card purchase information whatsoever. My transaction history needs to be removed. Dispute 5 Account Number or other information to identify account : Source of dispute information : DEPT OF EDXXXX Type of disputed information : Transaction History Dates associated with item being disputed : Original Date : XX/XX/XXXX : XXXX. Explanation of item being disputed : Transaction action history can not be reported and needs to be removed per 20 USC 1232g ( FERPA ) and 34 CFR 99. Dispute 6 Account Number or other information to identify account : Source of dispute information : DEPT OF EDXXXX Type of disputed information : Transaction History Dates associated with item being disputed : Original Date : XX/XX/XXXX : XXXX. Explanation of item being disputed : Transaction action history can not be reported and needs to be removed per 20 USC 1232g ( FERPA ) and 34 CFR 99. Dispute 6 Account Number or other information to identify account : Source of dispute information : DEPT OF EDXXXX Type of disputed information : Transaction History Dates associated with item being disputed : Original Date : XX/XX/XXXX : XXXX. Explanation of item being disputed : Transaction action history can not be reported and needs to be removed per 20 USC 1232g ( FERPA ) and 34 CFR 99. Dispute 7 Account Number or other information to identify account : Source of dispute information : DEPT OF EDXXXX Type of disputed information : Transaction History Dates associated with item being disputed : Original Date : XX/XX/XXXX : XXXX. Explanation of item being disputed : Transaction action history can not be reported and needs to be removed per 20 USC 1232g ( FERPA ) and 34 CFR 99. Dispute 8 Account Number or other information to identify account : Source of dispute information : DEPT OF EDXXXX Type of disputed information : Transaction History Dates associated with item being disputed : Original Date : XX/XX/XXXX : XXXX. Explanation of item being disputed : Transaction action history can not be reported and needs to be removed per 20 USC 1232g ( FERPA ) and 34 CFR 99. Dispute 9 Account Number or other information to identify account : Source of dispute information : DEPT OF EDXXXX Type of disputed information : Transaction History Dates associated with item being disputed : Original Date : XX/XX/XXXX : XXXX. Explanation of item being disputed : Transaction action history can not be reported and needs to be removed per 20 USC 1232g ( FERPA ) and 34 CFR 99. Dispute 10 & 11 Account Number or other information to identify account : {$960.00} and {$710.00} Respectively Source of dispute information : XXXX XXXX XXXX Type of disputed information : Charged Off Account-Sold to 3rd Party/Attorney Dates associated with item being disputed : Placed for Collection Date : XX/XX/XXXX. Explanation of item being disputed : This account was sold/charged off. Charged off accounts are Certificates of Indebtedness and are income. Income can not be reported as debt. I have never received my copy of the 1099-c for this account. Dispute 12 Account Number or other information to identify account : Source of dispute information : XXXX Card Services Type of disputed information : Transaction History Dates associated with item being disputed : Original Date XX/XX/XXXX. Explanation of item being disputed : 15 U.S. Code 1681 ( a ) ( 2 ), Permissible purposes of consumer reports states, 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. The furnishers of information, financial institutions, and all Credit Reporting Agencies have my consent to furnish the fact that I have been one of their customers or obtained a financial product or service from them by providing their company name, account opening /closing dates, and pre-set account limits ONLY. They DO NOT have my verbal or written consent to provide/report any account balance information, payment history other than stating paid as agreed, overdraft history, and credit/debit card purchase information whatsoever. My transaction history needs to be removed. Dispute 13 Account Number or other information to identify account : Source of dispute information : DEPT OF EDXXXX Type of disputed information : Transaction History Dates associated with item being disputed : Original Date : XX/XX/XXXX : XXXX. Explanation of item being disputed : Transaction action history can not be reported and needs to be removed per 20 USC 1232g ( FERPA ) and 34 CFR 99. Dispute 14 Account Number or other information to identify account : Source of dispute information : XXXX XXXX XXXX XXXX. Type of disputed information : Transaction History Dates associated with item being disputed : Original Date : XXXX : XXXX. Explanation of item being disputed : 15 U.S. Code 1681 ( a ) ( 2 ), Permissible purposes of consumer reports states, 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. The furnishers of information, financial institutions, and all Credit Reporting Agencies have my consent to furnish the fact that I have been one of their customers or obtained a financial product or service from them by providing their company name, account opening /closing dates, and pre-set account limits ONLY. They DO NOT have my verbal or written consent to provide/report any account balance information, payment history other than stating paid as agreed, overdraft history, and credit/debit card purchase information whatsoever. My transaction history needs to be removed. Dispute 15 Account Number or other information to identify account : Source of dispute information : XXXX XXXX XXXX Type of disputed information : Transaction History Dates associated with item being disputed : Original Date : XX/XX/XXXX : XXXX. Explanation of item being disputed : 15 U.S. Code 1681 ( a ) ( 2 ), Permissible purposes of consumer reports states, 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. The furnishers of information, financial institutions, and all Credit Reporting Agencies have my consent to furnish the fact that I have been one of their customers or obtained a financial product or service from them by providing their company name, account opening /closing dates, and pre-set account limits ONLY. They DO NOT have my verbal or written consent to provide/report any account balance information, payment history other than stating paid as agreed, overdraft history, and credit/debit card purchase information whatsoever. My transaction history needs to be removed. Dispute 16 & 17 Account Number or other information to identify account : Source of dispute information : XXXX XXXX and Collections Type of disputed information : Charged Off Account-Sold to 3rd Party/Attorney Dates associated with item being disputed : Original Date : XX/XX/XXXX and XX/XX/XXXX. Explanation of item being disputed : This account was sold/charged off. Charged off accounts are Certificates of Indebtedness and are income. Income can not be reported as debt. I have never received my copy of the 1099-c for this account. Dispute 18 Account Number or other information to identify account Source of dispute information : XXXX XXXX XXXX Type of disputed information : Charged Off Account-Sold to 3rd Party/Attorney Dates associated with item being disputed : Original Date : XX/XX/XXXX. Explanation of item being disputed : This account was sold/charged off. Charged off accounts are Certificates of Indebtedness and are income. Income can not be reported as debt. I have never received my copy of the 1099-c for this account. Dispute 19 Account Number or other information to identify account : Source of dispute information : XXXX XXXX. Type of disputed information : Charged Off Account-Sold to 3rd Party/Attorney Dates associated with item being disputed : Original Date : XX/XX/XXXX. Explanation of item being disputed : This account was sold/charged off. Charged off accounts are Certificates of Indebtedness and are income. Income can not be reported as debt. I have never received my copy of the 1099-c for this account. Dispute 20 Account Number or other information to identify account : Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Transaction History Dates associated with item being disputed : Original Date : XX/XX/XXXX. Explanation of item being disputed : 15 U.S. Code 1681 ( a ) ( 2 ), Permissible purposes of consumer reports states, 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. The furnishers of information, financial institutions, and all Credit Reporting Agencies have my consent to furnish the fact that I have been one of their customers or obtained a financial product or service from them by providing their company name, account opening /closing dates, and pre-set account limits ONLY. They DO NOT have my verbal or written consent to provide/report any account balance information, payment history other than stating paid as agreed, overdraft history, and credit/debit card purchase information whatsoever. My transaction history needs to be removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90064
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A