Date Received: 2024-01-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I previously disputed this account and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete the whole account for inaccurate reporting asap XXXX XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are XXXX late payments being reported. XXXXXXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I previously disputed this account and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete the whole account for inaccurate reporting asap XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I hope this message reaches you in excellent physical condition. I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outined in 15 U.S.Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligor or credit issued to the obligor on a statement. ( 5 ) A computation error or similar accounting error made by the creditor on a statement. It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late-a sign of an invoicing error-therefore I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : ''paid as agreed '' : XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I previously disputed this account and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete the whole account for inaccurate reporting now XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I previously disputed this account and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete any negative information in this account immediately. Remove late payments on account as per payment status states ''Paid or paying as agreed '' Inquiry from XXXX XXXX on XX/XX/XXXX. I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. Inquiry from XXXX on XX/XX/XXXX. I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78516
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76710
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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 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: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I hope this message reaches you promptly. I've followed the correct procedures in disputing these accounts reaching out to the bank, filing a report and affidavit with law enforcement through Identitytheft.gov, a federal agency, and contacting the credit reporting agencies. XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$10000.00} and XXXX XXXX XXXX XXXX Date Opened:XXXX Balance : {$3600.00}. This matter requires urgent attention, and I request that you handle it with the swiftness it deserves.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 71303
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I hope this message finds you well. I am writing to address a concern regarding my credit file. After contacting XXXX XXXX and XXXX about the accounts on my credit report, it's evident they can not provide records for the mentioned accounts. ( XXXX XXXX XXXX, and XXXX XXXX XXXX However, representatives from these banks have acknowledged the situation and agreed to update my credit file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am filing this complaint today regarding the inaccurate information tarnishing my credit report. Despite my repeated requests for resolution, it appears my concerns have been overlooked, prompting this assertive communication. I am not just a statistic but a victim of identity theft, requiring immediate and decisive action. As per FCRA Section 605b, you are obligated to promptly remove or block any account listed on an identity theft report. Enclosed are the necessary documents for swift action. The accounts in question, including U S DEPT OF EDXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX. XXXX, XXXX ( Original creditor : XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$500.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$830.00}, XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$570.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$710.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$1700.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Date opened : XXXX XXXX XXXX Balance : {$45.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$830.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX. ) XXXX Date opened : XXXX XXXX XXXX Balance : {$830.00}, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$400.00}, demand your immediate attention. FCRA Section 605B ( a ) mandates credit bureaus to block such information within 4 business days. Immediate and unwavering compliance is not just expected but demanded for the rectification of these errors.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90037
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89084
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to address a persistent issue on my credit report that remains unresolved, despite the cooperation of other credit bureaus. As a victim of identity theft, I have diligently worked to rectify inaccuracies on my credit report. I have noticed that this fraudulent account is still present on my credit report with your agency, even though XXXX and XXXX have successfully removed it. They identified an error, which they promptly corrected. I am confused as to how your agency has verified this account while others have removed it. Please delete this inaccurate, erroneous, incomplete, or unverifiable information from my file. 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: 90046
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74012
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} US DEPT ED XXXX Balance : {$980.00} US DEPT ED XXXX Balance : {$1000.00} US DEPT ED XXXX Balance : {$680.00} US DEPT ED XXXX Balance : {$1300.00} US DEPT ED XXXX Balance : {$1900.00}
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: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A