Date Received: 2024-01-30
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33563
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 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: FL
Zip: 33563
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: FL
Zip: 33415
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I requested inaccuracies regarding my name, address and employer be verified and corrected with proof of verification and correction. I disputed multiple inaccuracies on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). After a thorough review, I have identified the following errors : Incorrect Name on Report : [ XXXX XXXX, XXXX XXXX XXXX, these should be removed Correct Name : [ XXXX XXXX ] Incorrect Address on Report : [ All Addresses Listed besides correct address below should be removed from my credit report ] Correct Address : [ XXXX XXXX XXXX XXXX XXXX, IN XXXX ] Incorrect Employment Information on Report : [ XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, these should be removed Correct Employment Information : [ XXXX XXXX XXXXXXXX ] Incorrect Phone Numbers : REMOVE ALL PHONE NUMBERS FROM MY CREDIT REPORT They replied saying the above inaccuracies were completed and removed but they are not, they are still on my reports. These inaccuracies may be causing significant harm to my creditworthiness and financial standing, and I request your immediate attention to rectify these issues. Enclosed with this letter, please find copies of documents supporting the correct information, such as my driver 's license, utility bills, and employment verification documents. I request that you conduct a thorough investigation into these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ), Sections 611 and 613. The FCRA mandates that consumer reporting agencies ensure the maximum possible accuracy of the information contained in their reports and allows consumers the right to dispute inaccuracies. I am also aware that, under the FCRA, you are required to complete the investigation within 15 days and provide me with a written summary of the results. I kindly ask for your cooperation in adhering to these legal obligations. Please remove the inaccuracies in my credit report promptly and provide written confirmation of the corrections made, including an updated credit report, as required by law. Thank you for your immediate attention to this matter. I appreciate your prompt resolution of these discrepancies to ensure the accuracy of my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46254
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Im begging you please remove this to the credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Im XXXX and displeased that I see so many fraudulent accounts on my credit reports. This is really damaging my creditworthiness. I am trying to buy a home for me and my family and this is not fair I have tried several times to get these account removed. Let alone my information was in a XXXX and XXXX data breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and they have not. This is not right and goes against federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should not be furnisher peoples information to 3rd partie companies do this is illegal, neglect and fraud. I have already reported this to the local police department and federal trade commission. These companies and the credit bureau can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space feeling your data base is inaccurate and Im filing ligation against this if these items are not removed immediately. Account : XXXX and Transunion - XXXX - Last Updated XX/XX/XXXX - reflect Past due - Balance : XXXX credit limit XXXX XXXX and Transunion -XXXX XXXX XXXX XXXX XXXX XXXX XXXX last updated XXXX reflect past due delinquency- balance XXXX - credit limit XXXX XXXX XXXX- Last updated XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Transunion ) XXXX reflects charged off bad debt- balance XXXX US Department of Edu- Last Updated XX/XX/XXXX ( Transunion XXXX XXXX XXXX and Transunion ) - Showikg charged off XXXX XXXX ) Delinquent ( XXXX ) and current ( Transunion ) - Balance XXXX XXXX XXXX XXXX - Last updated XX/XX/XXXX ( transunion ) XX/XX/XXXX ( Experian ) XXXX bal charged off Collections : XXXX - XXXX ( original lender ) XXXX ( agency name ) XXXX balance Transunion & XXXX - XXXX XXXX XXXX- XXXX ( account number ) Date Assigned XX/XX/XXXX XXXX balance XXXX XXXX & XXXX XXXX XXXX XXXX XXXX assigned XXXX balance XXXX ( XXXX account number ) XXXX ( XXXX account number ) ExperianXXXX XXXX XXXX balance XXXX Hard Inquires : XXXX XXXX XX/XX/XXXX - Transunion XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX-Transunion XXXX XXXX XXXXTransunion XXXX XXXX XXXX XXXX XXXXTransunion XXXX XXXX XXXX XX/XX/XXXX - Transunion XXXX XXXX XXXX XXXX Transunion XXXX XXXX Transunion XXXX XXXX XXXXTransunion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXTransunion XXXX XXXXTransunion XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransunion XXXX XXXX XXXX Transunion Personal Info : My name is XXXX XXXX XXXX XXXX and only should be listed this way. Previously lived at XXXX XXXX XXXX XXXX, XXXX CT, XXXX. Current Adress is XXXX XXXX XXXX XXXX XXXX XXXX XXXX as of XX/XX/XXXX. Please delete and remove all other previous address and name spellings off the report as there in accurate as well as remove the employment history and employee as Im self employed thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32129
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have previously submitted documentation and successfully had these accounts removed from other credit bureaus. However, they continue to appear on your report, causing ongoing damage to my creditworthiness. I want these fraudulent accounts to be remove as what other bureaus have done. I am confused how these accounts keeps on persisting on your report when other bureaus already fixed the issue. Account Information : XXXX XXXX XXXX Date Opened XXXX XXXX XXXX Balance {$0.00} and XXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX Balance {$17000.00}. It is perplexing and unacceptable that your bureau persists in reporting these accounts, which not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but also hinders my ability to secure credit and financial stability.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 13440
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Kindly remove this account as it doesn't belong to me, and I'm distressed to find it on my credit report. I'm disappointed with the company for putting me through this, and I urgently request the removal of this entry from my credit report. It's definitely not my account!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78753
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Identitytheft.gov confirmed identity theft, and the bank acknowledged it, demanding immediate removal of fraudulent accounts. Other bureaus acted swiftly ; the bank agreed to fix errors. Demand immediate deletion of these accounts from my credit report. XXXX XXXXXXXX. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 Balance Owed : {$2300.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A