Date Received: 2024-02-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am in shock. I took a look at my credit report and noticed several accounts I did not open or even apply for. I notified the companies to let them know I did not apply for these accounts however the accounts have been repeatedly reported negatively to my credit profile. These negative accounts are stopping me from moving to another level in my life. Which is causing XXXX XXXX. I am at the end and I do not know what else to do about these accounts. These big name companies with big pockets are violating my rights and hurting my small pockets. Virtually and financially XXXX XXXX Keeping me in poverty and unable to survive and sustain the american dream. I know this is wrong morally and according to the law 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. I have attached a copy of my identity theft report. Thank you for your attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60419
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a matter of great concern related to my Department of Education/XXXX XXXX account. It has come to my attention that there are potential violations of the Family Educational Rights and Privacy Act ( FERPA ), the Fair Credit Reporting Act ( FCRA ), and the Privacy Act of 1974. I believe that the Department of Education and XXXX, the loan servicer, may have violated my rights under these federal statutes. FERPA applies to any public or private elementary, secondary, or post-secondary school, as outlined in 20 U.S.C. 1232g ( b ). The FCRA, found in 15 U.S.C. 1681, regulates the collection, dissemination, and use of consumer credit information. Additionally, the Privacy Act of 1974, codified in 5 U.S.C. 552a, safeguards the privacy of individuals ' personal information held by federal agencies. I am particularly concerned about the recent practice of XXXX reposting transaction history to my credit report. This unauthorized reposting of transaction history has had a significant impact on my credit standing, and I believe it constitutes a violation of the FCRA and FERPA. Despite my efforts to address these concerns directly with the Department of EducationXXXX , I have encountered significant challenges in obtaining a satisfactory resolution. I am seeking the Consumer Financial Protection Bureau 's intervention to investigate these alleged violations thoroughly and ensure that my rights are protected and upheld under FERPA, FCRA, and the Privacy Act. I believe that a comprehensive review of the matter will shed light on the potential breaches and facilitate a resolution. Enclosed with this letter, you will find copies of relevant documents of my credit score. I kindly request that you conduct a thorough investigation into this matter and take appropriate action to address any identified violations under FERPA, FCRA, and the Privacy Act. Thank you for your prompt attention to this issue. I look forward to a resolution that ensures the protection of my rights under these important federal statutes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a matter of great concern related to my Department of EducationXXXX XXXX account. It has come to my attention that there are potential violations of the Family Educational Rights and Privacy Act ( FERPA ), the Fair Credit Reporting Act ( FCRA ), and the Privacy Act of 1974. I believe that the Department of Education and XXXX, the loan servicer, may have violated my rights under these federal statutes. FERPA applies to any public or private elementary, secondary, or post-secondary school, as outlined in 20 U.S.C. 1232g ( b ). The FCRA, found in 15 U.S.C. 1681, regulates the collection, dissemination, and use of consumer credit information. Additionally, the Privacy Act of 1974, codified in 5 U.S.C. 552a, safeguards the privacy of individuals ' personal information held by federal agencies. I am particularly concerned about the recent practice of XXXX reposting transaction history to my credit report. This unauthorized reposting of transaction history has had a significant impact on my credit standing, and I believe it constitutes a violation of the FCRA and FERPA. Despite my efforts to address these concerns directly with the Department of EducationXXXX XXXX XXXX have encountered significant challenges in obtaining a satisfactory resolution. I am seeking the Consumer Financial Protection Bureau 's intervention to investigate these alleged violations thoroughly and ensure that my rights are protected and upheld under FERPA, FCRA, and the Privacy Act. I believe that a comprehensive review of the matter will shed light on the potential breaches and facilitate a resolution. Enclosed with this letter, you will find copies of relevant documents of my credit score. I kindly request that you conduct a thorough investigation into this matter and take appropriate action to address any identified violations under FERPA, FCRA, and the Privacy Act. Thank you for your prompt attention to this issue. I look forward to a resolution that ensures the protection of my rights under these important federal statutes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I reviewed my consumer reports and noticed that i had 1 late payments on an account that i was, never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated immediately to paid as agreed on time as they should be due to the fact i was never late within 3 business days. Thank you so much for your time.Please see screenshot attached :
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: THIS IS IDENTITY THEFT MY SOCIAL PASSPORT AND BIRTH CERTIFICATE WAS STOLEN In accordance with thee Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency 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 consumerto 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: PA
Zip: 19013
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These following inquiries are fraudulent : 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: CA
Zip: 94588
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
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: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: i reviewed my consumer reports and noticed and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included a screenshot inside this complaint in on dates of XX/XX/24. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72120
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, 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 a 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: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A