Date Received: 2024-01-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38135
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Upon reviewing my credit report, I have noted that the aforementioned medical collections account, related to services rendered on XX/XX/2023, in the amount of {$1000.00}, and additional charges of {$930.00} has been reported despite the fact that it does not meet the criteria for permissible reporting under the No Surprises Act. On XXXX XXXX I was notified but XXXX that this account was verified as reporting accurately even after reporting that this creditor was in violation of the No Surprises Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07306
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
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: MD
Zip: 21208
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
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 regularly monitor my payment schedule and take proactive measures to ensure payments are made on time on this accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request you to ensure that my account status is promptly updated in my consumer report. Accurate reporting is crucial for maintaining a positive credit profile, and I appreciate your assistance in this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33054
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92123
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
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 am writing in response to the ongoing matter related to CFPB complaint number XXXX regarding my concerns with XXXX XXXX XXXX Upon receipt of the documentation provided by XXXX XXXX, it has become apparent that there are significant discrepancies between the alleged balance reported for account XXXX and the information contained in the paperwork sent to me. The balance on my credit report does not align with the documentation, raising further concerns about the accuracy of the reported information. Additionally, I would like to emphasize that, based on the statute of limitations in the state of Texas, this debt has been deemed uncollectible since XXXX Therefore, the continued reporting of this debt is not only inaccurate but also in violation of the Fair Credit Reporting Act ( FCRA ). Given the substantial discrepancies and potential FCRA violations, I must insist on the removal of this account within the next 7 days. I have attempted to address and rectify this situation, but the disparities persist. To provide clarity and evidence, I will be attaching my credit report to this communication, highlighting the inconsistency in the reported balance and supporting the claim that this debt is, indeed, uncollectible. I trust that your prompt attention to this matter will lead to a swift resolution. However, if the account is not removed within the specified timeframe, I regrettably inform you that I will have no choice but to pursue legal action to seek both compensation and justice for the violations incurred. It is public knowledge that XXXX XXXX has been involved in numerous lawsuits related to failing to truthfully report to the credit reporting agencies payments made by consumers, accurate account balances, or consumer disputes of false reporting. The credit bureau furnishing this incorrect information will also be included in the lawsuit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Subject : Dispute of Noncompliance with Consumer Reporting Laws TO WHOM IS MAY CONCERN, I am writing to bring to your attention the willful noncompliance with the consumer reporting laws outlined in 1681n. Civil liability for willful noncompliance,. It has come to my attention that your organization has failed to comply with the requirements imposed under this subchapter with respect to my consumer information. In accordance with the provisions stated in 1681n. Civil liability for willful noncompliance, any person failing to comply is liable to the consumer for actual damages sustained, ranging from a minimum of {$100.00} to a maximum of {$1000.00}. Additionally, punitive damages may be applicable as determined by the court, along with the costs of the legal action and reasonable attorneys fees. 1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report. Bankruptcy : XXXX XXXX XXXX XXXX : XXXX Please remove it from my credit report. 2. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report. Bankruptcy : XXXX XXXX XXXX XXXX : XXXX Please remove it from my credit report. 3. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 4. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. Furthermore, 1681n. Civil liability for willful noncompliance specifies that any person obtaining a consumer report under false pretenses or without a permissible purpose is liable for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. ( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. ( d ) Clarification of willful noncompliance For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and XX/XX/XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt. I kindly request that you investigate and DELETE this matter promptly to avoid further legal consequences. Please provide a written response within 15 DAYS detailing the actions taken to rectify the noncompliance. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60435
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A