Date Received: 2024-01-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a senior executive member of this company put this information on a signed and notarized affidavit under penalty of perjury. Once the items are removed from my consumer report, I demand that they are never put back on. If they are put back on, I will pursue litigation against your company in federal court, pursuant to 15 USC 1681o. Per 15 USC 1681c-2, the credit reporting agency must block this information from being reported to my consumer report within 4 days of receipt of this ID Theft Report, and I am demanding that you do so. Thank you for your help in protecting my federally protected consumer rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28804
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I reviewed my consumer report and noticed that i had two 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 screenshots inside this complaint in on dates of XX/XX/2023 and XX/XX/2023. 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 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: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The companies, along with the credit reporting agencies, are knowingly and willingly committing Aggravated Identity Theft to collect on an extension of credit and punish me for non repayment of, when I am in fact not the debtor as they are alleging. This is a violation of 15 USC 1681a, 18 USC 1028A, 18 USC 894, The Gramm-Leach-Bliley Act, and RICO. This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a XXXX XXXX member of this company put this information on a signed and notarized affidavit under penalty of perjury. Once the items are removed from my consumer report, I demand that they are never put back on. If they are put back on, I will pursue litigation against your company in federal court, pursuant to 15 USC 1681o. Per 15 USC 1681c-2, the credit reporting agency must block this information from being reported to my consumer report within 4 days of receipt of this ID Theft Report, and I am demanding that you do so. Thank you for your help in protecting my federally protected consumer rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28804
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XX/XX/year>, I settled my outstanding balance with XXXX XXXX. However, as of XX/XX/XXXX, it still appears as a collection item on my credit report. I reached out to XXXX XXXX and even initiated a dispute process. They confirmed that the account has been paid in full and should no longer be listed on my credit report. Additionally, I have received an email confirmation from XXXX XXXX regarding the resolution of this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35806
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
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: OH
Zip: 44120
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The issue is regarding an over 30 day late payment note on my and my mom 's credit histories all stemming from a payment and language-access issue. The issue first began when my mom went on the XXXX XXXX site to submit payment in XXXX that was due on XX/XX/XXXX. However, there was an issue with the payment and it did not go through correctly. Unfortunately, my mom did not realize the payment did not go through and made her standard mortgage payment on XX/XX/XXXX that was due on XX/XX/XXXX. It is not until she received a letter in the mail in XXXX stating that XXXX XXXX had not received her XXXX mortgage payment that she realized was behind in her payments. As soon as she realizes this, she calls on XX/XX/XXXX to understand and rectify the issue. In that call, she is connected with an individual who she is able to explain that there must have an issue with the payment processing. She was able to talk to this person in both XXXX and Englishmy mother is a native XXXX speaker and has limited English proficient. She told the individual that she had made the payment, but it must have gone to the wrong account. The XXXX XXXX agent ( " Agent 1 ) then confirms to her that she can see that she tried to make a payment, but that it seemed to have been erroneously placed in the escrow account instead. Recognizing the issue was due to a misallocation of funds, Agent 1 tells her he will fix it and reverse the late charge. See FM Payment History showing a reversed late fee charge on XX/XX/XXXX. Agent 1 then tells my mother that as long as she makes the payment for next month, she will be fine and there will be no negative impact. My mother then makes the payment on XX/XX/XXXX. See FM Payment History. In making that payment online, she sees that her account is still reflecting that she is behind on her mortgage so she calls again around or on XX/XX/XXXX. During her first call, she is connect to another XXXX XXXX agent ( " Agent 2 '' ). In that call, she first asks for a XXXX-speaking individual, but is told by Agent 2 that the office does not have any XXXX-speaking agents. My mother then tries to explain the situation in English -- while explaining English is not her language -- and Agent 2 just keeps restating that no payments have been made that she can help only in English. My mom asks if she can be connected to someone else and Agent 2 states again that XXXX XXXX did not have anyone in XXXX and that they would need to find an interpreter because agents only speak English. Agent 2 then tells my mother she will have to wait until they can find an interpreter. After waiting some time and feeling like she had been mistreated because of her XXXX needs, my mother hangs up and calls again to try to talk to someone else. My mother makes another call that same day. During the second call, my mother is connected to a different XXXX XXXX agent ( " Agent 3 '' ). Having been told there are no XXXX-speaking agent, my mom then tries to explain the situation in English. She explains to Agent 3 that she had been told that the payments had been resolved and her credit would not be affected. She further explains she had never had any type of issues with her mortgage before, and that this was all due to a series of mistranslations, misunderstandings, and errors ; she then drew attention to the reversed late fee as explanation as to why she had thought the issue had been resolved during that XXXX call. Agent 3 then explained to my mother the situation that occurred, that the escrow disbursement was not related to her payments to the mortgage like she had been told, and that she needed to make the two payments that month to get her mortgage up to date. She told Agent 3 that she would make the payments, but she wanted them to erase the mark against our credit histories since the issue that occurred due to misinformation she had been given ( she told him, why else would Agent 1 had reversed the late fee in XXXX ) and Agent 3 agreed. He said that as long as she made the two payments, our credit histories would not be affected because of this mistake. My mother then completed the first of these two payments over the phone that same day with Agent 3. She then made the second payment online on XX/XX/XXXX, thereby completing the terms Agent 3 had set forth and becoming up to date on the mortgage. See FM Payment History. Since this issue, I have submitted three separate credit disputes to TransUnion ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and two to XXXX, without any success. Further, during my third dispute with TransUnion, the agent specifically told me they would not remove the charge unless the creditor, XXXX XXXX, agreed. So on that same day, XX/XX/XXXX, I also called XXXX XXXX to ask them to rectify the situation. I was on the phone with XXXX XXXX for an hour and twenty-four minutes. During my call, I was first connected with a XXXX XXXX agent ( " Agent 4 '' ). I explained to them the full situation, along with the language issues, and Agent 4 agreed that given all the errors that our credit histories should be rectified by that she was not authorized to make that approval and that she would transfer me to a supervisor to complete the process. I was then connected to a XXXX XXXX supervisor ( " Supervisor '' ). Supervisor immediately made it clear to me that she was not interested in my dispute and that I was just wasting her time. Supervisor literally started the conversation with " so what happened? '' To which I responded, " what do you mean, like you want me to give a synopsis of what I want or whats happened? '' Supervisor then sighs and was like " so what I understand is your mom missed payments. '' So then I went ahead was like thats not a synopsis of what happened, and then summarized again the issue and my ask, to which she responds with, well thats not gon na happen. Thats not going to change. After this, Supervisor then, but go ahead explain the issue you think happened. I then responded with, " excuse me, did you just say that the decision isnt going to change? '' Supervisor responded, the conclusion was made and thats not going to change. At this point, I became very infuriated and asked Supervisor, " so then whats the point of continuing this conversation or me talking to you when nothing I say is going to matter and the decision isnt going to change. '' That's when Supervisor tried to backtrack and say " no maam what you said does matter. '' To which I interjected, " but if nothing I say will change the decision whats the point of continuing this conversation. Why do you want to know what I have to say if the decision is the decision like you said. What do you even want to talk to me. Supervisor then snapped and said, " because you insisted to speak with a supervisor after talking to the first person. '' I then responded, " no I really didnt, she was the one who talked about sending me to a supervisor because she was not authorized to approve a credit report change. '' When I said this, Supervisor placed me on hold for around twenty minutes. After being on hold for about twenty minutes, Supervisor came back and said, " I reviewed the calls in XXXX, I concluded the investigation, the conclusion remains the same. '' I asked her if she was qualified to do the review and whether she spoke XXXX, she claimed she did not need to speak XXXX because " no XXXX was spoken. '' I then responded, " do I get any copy of the transcripts or the record with the analysis of how you came to that conclusion? '' Supervisor responded, " you will have to get an attorney and get them ... '' to which I interjected, " I am an attorney. '' So Supervisor added, " ok well ma'am you will have to subpoena the records. '' To clarify, I asked, " so this is the extent of the investigation at this point and nothing further will be done? So youre telling me what you just did is all that will be done? '' Supervisor was silent for a minute until she then states, " I will go get someone to begin the investigation, '' and put me on hold again for about seven minutes. Finally, she returned and stated an investigation was submitted and that a manager would reach out to me within seventy-two hours. Since then, no one has reached out to me. A XXXX XXXX agent ( " Agent 5 '' ) did reach out to my mother though on XX/XX/XXXX. Agent 5 did not speak XXXX, yet she called my mother dispute my providing my cell phone number, requesting I be contacted, and making it clear my mom could not have these conversations in English. My mom refused to talk to the individual after they asked her to share her full social security number over the phone and requested they call me. They did not. So my mom sent me a screenshot of Agent 5 's number and I called them on XX/XX/XXXX at XXXX XXXX ( EST ). Agent 5 did not answer so I left a voicemail leaving my name and number and requesting a call back. No call back was made. I have received no communication from XXXX XXXX since then about the investigation. I called them again on XX/XX/XXXX to request information about the investigation and was simply told I would be called back. This has taken tremendous amount of time from me and has negatively impacted my car insurance driver score so that over the course this year, I will end up paying over {$1000.00} more for the same insurance I have always had. XXXX XXXX agents has been seriously unreliable, even if when trying to be helpful, in their information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22030
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: RE : Discrepancy in Credit Report Listings XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I am writing to formally raise a concern regarding a discrepancy in the reporting of my credit account ( Account # XXXX ) ( Account # XXXX ), across the three major credit bureaus - TransUnion, XXXX, and XXXX XXXX My recent review of my credit reports revealed inconsistent information regarding the open date of this account. TransUnion 's report shows an open date of XX/XX/2022, while XXXX reports the open date as XX/XX/2022 and XXXX is reporting XX/XX/2022 also .This inconsistency is concerning and, as per my understanding, violates the principles of accuracy and completeness as mandated by the Fair Credit Reporting Act ( FCRA ) Under 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have previously disputed this information, but the discrepancy was reported as validated and the inaccuracy remains on my credit reports. This is not only misleading but potentially damaging to my credit standing. The FCRA stipulates that all information on credit reports must be accurate and complete, and up-to-date. The current reporting fails to meet these standards.Therefore, I request an immediate deletion of the account. The importance of precise and consistent credit reporting can not be overstated, as it directly impacts my creditworthiness and financial reputation.Please find attached copies of the credit reports from XXXX, TransUnion and XXXX, highlighting the discrepancy for your reference. I trust that you will address this matter with the urgency and seriousness it deserves. I expect a prompt response to this letter, confirming the commencement of the investigation and the actions being taken to rectify this discrepancy. Thank you for your attention to this important matter. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21224
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to have the following information removed from my credit file, the items I need deleted will be attached in a word document, I am a victim of identity theft. I have multiple accounts I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report only show accurate information. I reported the theft of my information to the the Federal Trade Commission and have enclosed copies of the report, I would like these items removed from my credit report as soon as possible. Accounts : XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
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: MO
Zip: 644XX
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX is reporting inaccurate information on my credit report. They reported that I have a late payment of 30 days or more for the month on XX/XX/XXXX. I have proof of all payments made along with the dates and also proof of all payments on their site shows that I have never been late 30 days a or more while having this account. I filed a dispute with all 3 credit reporting agencies but the company refuses to update their information. I also called in on multiple occasions regarding this and representatives have told me that they do not see any late payments of 30 days or more on my account and my account is paid up to date and in good standing. Representatives have also put in a request fir further investigation into the matter but the company has failed to respond or send any correspondence to me stating that I have been 30 days or more late with a payment. Payment dates since the opening of the account XX/XX/XXXX. Payments were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All of these payments show paid via my bank account and also on citizens bank account. I am asking that they fix this matter immediately before additional legal action is sought.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10940
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A