Date Received: 2024-01-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My credit file has numerous errors that ia have attached on this complaint, i have contacted the bureau mailed them, emailed them and faxed but this issues have not been fixed, as a consumer i have a right under the FCRA to have accurate information across the bureaus on the files i will be uploading you can see multiple and multiple errors/inaccuracies, i would like this issue to be fixed, i believe that these discrepancies violate the accuracy and integrity provisions outlined in 15 USC 1681e of the FCRA. This section requires consumer reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in consumers ' credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62025
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
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 tried to buy a house I realized that I had multiple inquiry credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90011
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: It is entirely unjust to discover late payments on my account, considering my consistent track record of timely payments. I insist on the swift correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account reflects my history of on-time payments accurately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE ACCOUNT IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, ACCOUNT : XXXX XXXX XXXX XXXX XX/XX/
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77096
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
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: MN
Zip: 56303
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I submitted a FTC report to XXXX on XX/XX/XXXX, and 5 items were deleted/blocked from the investigation. XXXX has violated my rights under the FCRA 15 USC 1681i ( 5 Day reinsertion notice ). Under the FCRA, XXXX never notified me by email or US mail between XXXX and XX/XX/XXXX of any reinsertion within 5 days of reinserting the information. I uploaded a request to remove previously disputed items that were reinserted on XX/XX/XXXX. XXXX failed to comply under 15 USC 1681i ( 5-day reinsertion notice ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28025
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
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: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX I opened a credit card with XXXX. The card was almost immediately stolen and maxed out with fraudulent charges. It was initially removed from my account, and then was subsequently re-added. The reason I was given was that I didn't have enough history with XXXX to show that the activity was irregular, so I was going to have to prove it. After a lengthy appeal process, I eventually used time stamped transactions from my bank and timecard data from work to prove that I could not possibly have made the XXXX transactions in question. My bank statements/timecards showed that I was in XXXX, XXXX at the time of the fraudulent charges, which took place in New Jersey at locations I could not possibly have been at. I even included maps with estimated travel time between the locations in question. XXXX ruled in my favor in XXXX of XXXX, and I subsequently closed the account. During the appeal process, I did not pay the outstanding fraudulent bill, because I was living paycheck-to-paycheck in XXXX XXXX XXXX at the time , and could not afford to pay XXXX of dollars for fraud. Throughout that process, I confirmed repeatedly with XXXX that, should it be ruled in my favor, all of the late activity on my account would be erased. They assured me it would be. After it was settled, I again confirmed this with them. They again told me all record of the charges and late balances would be completely removed from my account history and updated with the reporting agencies. I accepted this answer, not thinking there was any reason for it not to be true. In the ensuing years, I went on thinking that XXXX had accurately updated my account. I spoke with them a couple of times since then, but I am not sure exactly when. Every time I have spoken to them since the fraud dispute, they have assured me there is no late activity on my account. It wasn't until recently, when I began considering home ownership and began closely monitoring my credit, that I noticed XXXX had failed to make this update. I am not exactly sure when I became aware of this, but I began again taking action about it in XX/XX/XXXX. I believe on XX/XX/XXXX I spoke with someone at XXXX who once again assured me that this would be fixed. She looked at the account, confirmed that somehow they had failed to originally send the update to the reporting agencies, and told me she would fix it. She said that she sent a new update, and that it might take up to a week to process, and 30 days to show up in credit reports. I asked for it to be expedited if possible, but she was not able. A supervisor later told me in a different conversation that the update she promised was sent out to the credit reporting agencies was sent out on XX/XX/XXXX. The 30 day window passed, and the only agency that seemed to have updated my account information was XXXX. XXXX shows me as having XXXX late payment history and a score of XXXX. XXXX, for example, still shows me as having major delinquencies from the XXXX account closed in XXXX, and a score of XXXX. I filed disputes with XXXX in XX/XX/XXXX, and they told me conflicting stories about this. One representative at XXXX told me that they never received an update from XXXX, or a response to my dispute. A supervisor told me on XX/XX/XXXX that XXXX " confirmed my account was up to date '', and nothing has changed for XXXX. After I repeatedly asked to escalate this on a recorded line in which I told the full story, tried to be patient, and used no abusive language, the supervisor told me all they could do was file another dispute, a process that had already failed, and eventually hung up on me after I asked their name. I had a similar experience with a XXXX supervisor earlier in XXXX, although that person did not hang up on me. He again confirmed that XXXX shows no late activity on my account, claimed that bureaus had been accurately updated, and refused to do anything else. As of today, XX/XX/XXXX, both XXXX and XXXX claim that they have done everything they can or are willing to do, and my credit is still being inaccurately reported. I have said repeatedly that I believe this matter could be quickly resolved with a direct phone call or email between the companies, but they refuse to do anything outside of their typical dispute process, and I am powerless to get the results I need. Transunion is also inaccurately showing my information, and I have also filed a dispute with them to no avail, but I haven't had as lengthy of customer service contact with them. I seem to be out of options, and then someone told me about CFPB. I do not have any supporting documentation from my ongoing issues with these organizations, as it has happened almost entirely over the phone, but they have all assured me that it is all reflected in my account history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
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: AZ
Zip: 85225
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
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: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A