Date Received: 2024-02-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38128
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76123
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
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: TX
Zip: 75044
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to file a formal complaint against this agency for consistently reporting inaccurate information on my credit report, despite my repeated efforts to dispute and rectify the errors. This blatant disregard for my rights under the Fair Credit Reporting Act ( FCRA ) has caused significant financial and emotional distress, and I kindly request your intervention to resolve this matter appropriately. I submitted a dispute regarding multiple inaccuracies on my credit report. According to the FCRA, the agency is obligated to conduct a reasonable investigation into the disputed information within 30 days. However, despite this requirement, they failed to conduct a proper investigation and instead verified the inaccurate information without providing any valid evidence. This violation of my FCRA rights has resulted in ongoing damage to my creditworthiness and has hindered my ability to secure favorable lending terms.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46235
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. I was a victim of Identity Theft and I already asked you to block these items in my previous letter. Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed and blocked as they are fraudulent. XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-1XXXX XXXX Account Number : XXXX Delete this account. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it 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: 85249
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to address a matter regarding my account with XXXX XXXX XXXX Recently, I reported to all three credit bureaus that I have been a victim of identity theft. Despite my efforts to rectify this situation and providing the necessary documentation, I have observed that XXXX XXXX XXXX continues to verify the information in question. I wish to draw your attention to the responsibilities of furnishers outlined under the Fair Credit Reporting Act ( FCRA ), particularly sections FCRA 623 ( a ) ( 6 ) ( B ) and FCRA 605B. According to these provisions, when notified by a credit reporting agency ( CRA ) that a consumer 's identity has been stolen, furnishers such as XXXX XXXX have specific duties : Preventing Re-Reporting of Information : If a CRA notifies you that information furnished by XXXX XXXX XXXX is being blocked on a consumer 's credit report due to identity theft, XXXX XXXX XXXX must have procedures in place to prevent the re-reporting of such information ( FCRA 623 ( a ) ( 6 ) ( A ) ). Restriction on Debt Resulting from Identity Theft : XXXX XXXX XXXX may not sell, transfer, or place for collection any debt resulting from identity theft if notified by a CRA ( FCRA 615 ( f ) ( 1 ) ). Furnishing Information Regarding Fraudulent Accounts : Upon receiving notification from a consumer who is a victim of identity theft and providing an identity theft report, XXXX XXXX XXXX XXXX not furnish information to a CRA regarding the fraudulent account or debt ( FCRA 623 ( a ) ( 6 ) ( B ) ). Prompt Notification of Inaccurate Information : If XXXX XXXXXXXX XXXX l finds that it furnished inaccurate information due to identity theft, it must promptly notify each CRA of the correct information and ensure that only complete and accurate information is reported in the future ( FCRA 623 ( a ) ( 2 ) ). Obligation to Supply Records : If XXXX XXXX XXXX l provides credit, goods, or services to consumers, it may be required to supply application or other transaction records to an identity theft victim or law enforcement officer upon request ( FCRA 605B ( f ), 615 ( g ) ). I trust that XXXX XXXX XXXX will adhere to these obligations under the FCRA and take the necessary steps to rectify the situation promptly. Please cease the verification of the disputed information and ensure that it is blocked from further reporting. I appreciate your attention to this matter and anticipate a swift resolution..
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: 2024-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38128
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX XXXX 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. 15USC 1681 a ( d ) ( 2 ) ( A ) ( a ) clearly states that transactions between the consumer and the Person/Corporation making the report are NOT included on the consumer reports. Yet you are reporting this information. The reporting of excluded information pursuant to 15USC 1681 A ( d ) ( 2 ) ( A ) ( I ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, Collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30224
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A