EQUIFAX, INC. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
06/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11727
Web
Date : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here! Below are the accounts in question : Credit account # 1 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # 1 : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX account # 1 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # 2 : XXXXXXXX XXXX XXXX account # 2 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # 3 : XXXX XXXX XXXX XXXX XXXX Credit account # 3 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Please accept this as my Official Writ Composition Notification in lawful declaration of your DEFICIENT of compliant reporting and demands for you to become suitably and substantially compliant to your requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( s ) in the metro 2 data field formatted reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumers credit report profile or the transfer or use of it. This is a COMPLAINT that your allegations are NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence adequately validated claims. This letter is regarding my account ( s ) with you, as noted above> that being, this declaration is a notification of my request for check of and PROOF of lawful COMPLIANCE to every and all reporting regulations, laws, and standards of practice, to INCLUDE PROOF evidence of you complete and irrefutably accurate and appropriate Metro 2 COMPLIANCE as related to each and all of the accusations of adverse account ( s ) and or aspects thereof. IT IS UNLAWFUL to retain and or report any information NOT PROVEN COMPLIANT, NOT PROVEN TRUE, NOT PROVEN ACCURATE, NOT PROVEN COMPLETE, NOT PROVEN TIMELY, NOT PROVEN of undoubted OWNERSHIP, NOT PROVEN of undoubted RESPONSIBILITY, and or else wise DEFICIENT in any manner, whether known or not.It is QUITE OBVIOUS that you somehow still have unproven accusations on my credit reports and in your records allegedly of which you make in regards to these noted challenged items listed above> ( unlawfully so mind you ) .It seems to be, asininely you claim that my account ( s ) has been late on payments. This is a formal notice that your claim is being challenged as to its MANDATED compliant reporting and if unproven then your notification that it is irrefutably being disputed. In the very least.I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with my corresponding local state laws. Please note that I am requesting validation ; that is competent evidence of any and all calculations, accounting audits, dates, and balances as related to only the account agreement ( s ) I hold with you of which there exists a consumer-credit contract detailing my agreement with any and all terms of said proven contract alleged which additionally is unmistakable in the bearing of my execution of lawful signature indisputably showing that I am knowledgeable of any and all conditions of such that might have created any derogatory or non-positive reflections upon my account history. In particularly, I demand concrete and irrefutable physical evidence of any and all documented proof that I am or have ( or ever had ) been late. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, is a violation of the FCRA and or the FDCPA ; therefore if and when you can not validate the negative remark, or produce substantial physically verifiable confirmed proof of complete reporting truth, accuracy, completeness, timeliness, and compliance > the laws are in clarity to the facts that you absolutely must request that all credit reporting agencies display ONLY demonstrated proven compliant information to include any related to every single one even each any and or all of the still unproven alleged payment history deficiencies OR ANNUL by full deletion every allegation of derogatory notation and insertion of only PAID or PAYS as AGREED, NEVER LATE! Please forward to me as well as display to the consumer credit reporting agencies ONLY irrefutably COMPLIANT information as to what the account history is or remove any doubts with your submission to showcase the accounts payment history as " paid or pays as agreed, NEVER LATE entry. Per FEDERAL REQUIREMENTS upon a consumer complaint ( be it a dispute or be it a challenge checking for compliant reporting ) pending the outcome of my investigation of any evidence that you submit, you are further instructed to take no action that could be detrimental to any of my credit reports.Your Failure to respond within 30 days of receipt of this certified letter and or your DEFICIENT OF COMPLIANT RESPONSE will indeed result in small claims legal action against your company at my local venue. Without hesitancy, I would be seeking a minimum of $ 1,000+ per infraction per reporting cycle in a suitable rectifying and remedial setting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your deficient of compliant reporting ( or lack of proof of deficient reportings ) as is mandated by my States laws as well as the federal regulations such as is described with the regulatory and obligatory statutes such as the FDCPA, FCRA , my States credit reporting codes or else wise to include the requisites to have only true, correct, and complete recordings in utilization of the Metro 2 data field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via full deletion/removing of every single one even each any and all of the unproven derogatory allegations of MY ACCOUNT or any aspect of adverse notations that is deficient of demonstrated evidence of certified compliance to adequate lawful and ethical reporting. LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibility to this account of MINE, however if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects.It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE. Any other notation is possibly refutable or even unlawful chichanary-led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury to which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with you immediate submission to my request via this complaint in writ composition. Please forward me notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one. In genuine sincerity, XXXX XXXX.
08/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 27569
Web Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax and XXXX and XXXX Attn : Customer Relations Department XX/XX/XXXX To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Validate Account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. Validate Account XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. Validate Account XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. Please provide : The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. The date you contacted the individual funishers of information. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. Please forward an updated credit report to me after you have completed your investigation and corrections. Your cooperation and prompt attention are required by law. Sincerely, XXXX XXXX
08/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75238
Web
This is the 3rd time of me complaining about accounts that are listed on my report that are in direct violation of my Consumer Rights. After this, if nothing is done I will seek legal counsel and press charges. XX/XX/XXXX XX/XX/XXXX The following are direct violations of my CONSUMER Rights in pursuant of : 15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without the written consent/permissible permission. 15 USC 1692g Not one single 3rd Party Collection agency has the 1099-C for Charge off showing this debt is valid and I owe their company. 15 USC 1692c Neither have I given prior written consent for any debt collector to contact me. AFFIANT AFFIDAVIT of FACTS by AFFIANT XXXX XXXX XXXX on the XXXX day of the month of XXXX To the Addressee name and physical address as being : XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, GA XXXX XXXX, PA XXXX This OFFICIAL DOCUMENT is forwarded to you via CERTIFIED MAIL with TRACKING : Certified Mail Tracking number is : _____________________________________________________________________ OFFICIAL COMPOSED AFFIANT JURAT in TESTIMONIAL STATEMENT OF FACTS _____________________________________________________________________ SUMMARY OF TESTIMONIAL FACTS Lawfully brought forward for consideration : THE AGREED STATEMENT OF FACTS is for the purpose of SATISFACTORY and TRUTHFUL REQUISITE consumer reporting and record keeping, specifically in respects to the nationally recognized three major credit reporting sources of XXXX, EQUIFAX, and XXXX XXXX as well as XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX among others as well as any entity of which may be involved in any manner with consumer reporting as related to this affiant of note hereby making this exact true and lawful AAF NOTICE ( Affiant Affidavit of FACTS ) on date displayed and notarized on by an official of the state lawfully in capacity to make such declaration. BE IT KNOWN and be it ACCEPTED the following FACTS : AFFIANT FORWARDED FACT # XXXX ) Affiant Full name is and only is XXXX XXXX XXXX XXXX FORWARDED FACT # XXXX ) Affiant TRUE AND COMPLETE RESIDENTIAL and XXXX XXXX NUMBER is and only is XXXX AFFIANT FORWARDED FACT # XXXX ) Affiant TRUE AND COMPLETE RESIDENTIAL and MAILING Street Name is and only is XXXX XXXX, XXXX XXXX AFFIANT FORWARDED FACT # XXXX ) Affiant TRUE AND COMPLETE RESIDENTIAL and MAILING CITY Name is and only is XXXX AFFIANT FORWARDED FACT # XXXX ) Affiant TRUE AND COMPLETE RESIDENTIAL and MAILING STATE Name is and only is Texas AFFIANT FORWARDED FACT # XXXX ) Affiant TRUE AND COMPLETE CURRENT SOCIAL SECURITY NUMBER is and only is XXXX AFFIANT FORWARDED FACT # XXXX ) Affiant TRUE AND COMPLETE CURRENT DATE OF BIRTH is and only is XXXX AFFIANT FORWARDED FACT # XXXX ) Affiant hereby officially REMOVES any and all authority for YOU or any entity to, retain, report, use, transfer, sell, accept or else wise ANY NOT REQUISITE information related to affiant, true or not. This consumer ERADICATION of your authority is effective TODAY, even here and now. AFFIANT FORWARDED FACT # 9 ) Affiant hereby makes a lawful DEMAND in request for adequate and provable physical document verifiable PROOF in undeniable and irrefutable validation of any and all items of derogatory and or adversary matter for which you have, have had, or may have in future, true or not. AFFIANT FORWARDED FACT # 10 ) Affiant announces consumer right to make composed, writ or otherwise, challenges to any uncertainty of certificates as above requested or otherwise any and all deficiency ( ies ) of testimonial certificate of absolute clarity in any and all data and or information for which you now, have in past, r may in future possess through any means from any source for any reason! Correct or delete inaccurate information. A consumer reporting agency must correct or, as the case may be, delete entries from any consumer 's credit file the information that is found to be inaccurate or can no longer be verified as entirely fully current, true, correct, complete, timely, of consumer 's ownership, of consumer 's responsibility, absolute and irrefutably compliant to any and all reporting laws and regulations, proven by testimonial document certificate of that compliance alleged, or else wise as requisite of reporting, be it mentioned or not by the consumer. Investigate disputed information. If consumer tell a consumer reporting agency that your file contains inaccurate information, the agency must promptly investigate the matter with the source that provided the information. Consumers may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, consumers may be able to sue in state or federal court. States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. Affiant does as now today, here and now, demand in request that the receiver of this AAF NOTICE ensure that all affiant state laws are abided without fail, any deficiencies will result in affiant seeking of favorable resolution in a civil court of affiant selection. Federal and state laws are NOT ignorable by any entity, whether willfully or in ignorance. e-OSCAR, a Metro 2 compliant is an automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. ANY AND ALL ENTITIES of reporting must be reporting certifiably in adequate and complete correct Metro 2 format reporting, absolute and perfect Metro 2 format is mandated and is not optional. I request in demand any and all certificates of proof of such alleged compliant reporting and further the CERTIFICATION of the reporters of their certified Metro 2 format training, or else eradicate any and all allegations of adversary and or derogatory nature, contested by affiant or not, mentioned or not, true or not. COMPLIANCE is MANDATED, demonstrate such in absolute clarity! Please make notice to this declaration being that one and in of the same as an Affiant acknowledgement of AFFIANT INTENTION of future civil suit for favorable affiant resolution should addressee of this AAF NOTICE ( Affiant Affidavit of Facts Notice ) be of derelict collection and or reporting of not proven compliant allegations of injurious adversary and or derogatory claims, particularly any and all items of which affiant has here in this statement made notice to in composition. I demand in request that receiver of this declaration accept it as being officially my CONSUMER DECLARATION to ANNUL ALLEGED DATA not requisite reported or else wise not as required CERTIFIED in its entirety as being fully current, true, correct, complete, timely, of affiant 's ownership, of affiant 's responsibility, certifiably compliant to all collection and or reporting laws, and or with proven testimonial and documented certificate of said compliant as is mandated by law. Affiant today, here and now, demands receiver to CEASE activity ( ies ) of adversary or derogatory nature versus affiant, even those of collection and or reporting, or else any action even if not here mentioned! TODAY IS XX/XX/XXXX FROM ME : XXXX XXXX XXXX This here document declaration to include the following notarized section ( XXXX ) shall serve as unmistaken lawful AFFIANT AFFIDAVIT of FACTS by me, the affiant. This document declaration in its entirety is issued to you as being a provable affidavit that is a sworn voluntary, sworn written statement, sworn desired. My name is that same as of the noted of the affiant, I am the person providing the statement, I am as well mentioned in the affidavit and as the true affiant understand now and in future of fact I am and was required to sign the affidavit in the notary 's presence, as is done. XXXX XXXX XXXX XXXX ) Before me, the undersigned notary public, this day, personally, appeared to me known, who being duly sworn according to law, deposes the following : I demand eradication of alleged claims, be them or not be them debts, to be satisfied and settled in full or else wise annulled without prejudice and or injury to me the consumer alleged of unproven debt and or adversary and or derogatory claims. I demand absolute proof of any debts alleged, account history alleged, ownership alleged, responsibility alleged, truth as reported, accuracy as reported, completeness as reported, timeliness as reported, and full compliance as reported o otherwise attempted in the collection. Deficient of requested document testimony in composed writ form, you must cease reporting and equivalently reporting of this unfounded claim of derogatory debt. All Rights Reserved Without Prejudice, XXXX XXXX XXXX XXXX The following are direct violations of my CONSUMER Rights in pursuant of : 15 USC 1681 Section 602 ( h ) - I have the right to privacy XXXX XXXXSC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without written consent/permissible permission. 15 USC 1692g Not one single 3rd Party Collection agency has the 1099-C for Charge off showing this debt is valid and I owe their company. 15 USC 1692c Neither have I given prior written consent for any debt collector to contact me. XXXX XXXX XXXX XXXX XXXXotentially Negative _____________________________________XXXX XXXX XXXX XXXX XXXX Potentially Negative ________________________________________ XXXX XXXX XXXX XXXX Potentially Negative _______________________________________XXXX XXXX XXXX XXXX XXXX Potentially Negative ________________________________________ XXXX XXXX XXXX XXXXXXXX Potentially Negative _______________________________________XXXX XXXX XXXX XXXX XXXX XXXX Potentially Negative ________________________________________ XXXX XXXX XXXX XXXX XXXX Potentially Negative ________________________________________ XXXX XXXX XXXX XXXX XXXX Potentially Negative ________________________________________ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Potentially Negative ________________________________________ XXXX XXXXXXXX XXXX XXXXXXXX - XXXX Potentially Negative ________________________________________ XXXX XXXX XXXX Potentially Negative ________________________________________ XXXX XXXX XXXX - XXXX XXXX XXXX ________________________________________ XXXX XXXX XXXXXXXX Potentially Negative ________________________________________ XXXX IXXXX XXXX XXXX Potentially Negative ________________________________________ XXXX XXXX XXXX XXXX - XXXX Potentially Negative
06/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • GA
  • 30909
Web
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 16. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 17. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 18. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 19. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 20. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 21. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 22. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 23. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 24. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 25. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 26. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 27. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 28. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 29. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 30. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 31. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 32. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 33. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 34. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 35. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 36. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 37. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 38. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 39. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 40. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 41. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 42. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 43. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 44. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 45. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 46. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 47. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 48. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 49. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 50. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 51. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 52. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 53. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 54. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 55. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 56. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 57. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 58. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 59. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 60. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violatio XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 61. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violatio XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. . 62. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violatio XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 63. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violatio XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 64. The following personal information is incorrect Account Number : CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX
09/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30034
Web
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last activated is inaccurate, and date last reported is not accurate. This is grounds removal they also violated my rights. In accordance with the Fair Credit Reporting act Equifax, XXXX XXXX ( CLOSED ), XXXX XXXX, XXXX - XXXX ( CLOSED ), XXXX XXXX, XXXX ( CLOSED ), Account Number XXXX XXXX, DEPT OF ED/XXXX, XXXX XXXX XXXX DEPT OF EDXXXX, XXXX XXXX, DEPT OF EDXXXX, XXXX XXXX, DEPT OF ED/XXXX XXXX XXXX XXXX, DEPT OF EDXXXX, XXXX XXXX, DEPT OF ED/XXXX XXXX XXXX, XXXX XXXX ( CLOSED ), XXXX XXXX, XXXX XXXX XXXX ( CLOSED XXXX XXXX XXXX XXXX, XXXX XXXX ( CLOSED XXXX XXXX XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX ( CLOSED XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION/XXXX ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATIONXXXX ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX DEPARTMENT OF EDUCATION/XXXX ( CLOSED ), XXXX XXXX DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, XXXX XXXX XXXX ( CLOSED ), XXXX XXXX, XXXX XXXX XXXX ( CLOSED ), XXXX XXXX, XXXX XXXX XXXX ( CLOSED ), XXXX XXXX, XXXX XXXX XXXX ( CLOSED ), XXXX XXXX, XXXX XXXX XXXX ( CLOSED ), XXXX 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 a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation they never replayed to me. According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of failure or damages of not less than {$100.00} and not more than {$1000.00}. I want XXXX XXXX per violation has violated my rights. 15 USC 1681 Section 602 States I Have The right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. numerous violations of 15 usc 1692 e ( 10 ), ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 ) The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last activited is inaccurate, and date last reported is not accurate. This is grounds removal they also violated my rights. In accordance with the Fair Credit Reporting act XXXX, Account Name XXXX XXXX, Account Number XXXX, Account Name DEPT OF EDUCATION/XXXX, Account Number XXXX, Account Name DEPT OF EDUCATION/XXXX, Account Number XXXX, Account Name DEPT OF EDUCATION/XXXX, Account Number XXXX, Account Name DEPT OF EDUCATION/XXXX, Account Number XXXX, Account Name DEPT OF EDUCATION/XXXX, Account Number XXXX, Account Name DEPT OF EDUCATION/XXXX, Account Number XXXX, Account Name XXXX XXXX XXXX, Account Number XXXX, Account Name XXXX XXXX XXXX, Account Number XXXX, Account Name XXXX XXXX XXXX, Account Number XXXX, Account Name XXXX XXXX XXXX, Account Number XXXX, Account Name XXXX XXXX, Account Number XXXX, Account Name XXXX XXXX, Account Number XXXX, Account Name XXXX XXXX, Account Number XXXX, Account Name XXXX, Account Number 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 a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation they never replayed to me. According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of failure or damages of not less than {$100.00} and not more than {$1000.00}. I want XXXX XXXX per violation has violated my rights. 15 USC 1681 Section 602 States I Have The right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. numerous violations of 15 usc 1692 e ( 10 ), ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 ) The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last activited is inaccurate, and date last reported is not accurate. This is grounds removal they also violated my rights. In accordance with the Fair Credit Reporting act XXXX Report, Account Name XXXX XXXX, Account Number XXXX, Account Name XXXX XXXX, Account Number XXXX, Account Name XXXX XXXX XXXX, Account Number 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 DEPARTMENT OF EDUCATIONXXXX DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATION/XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation they never replayed to me. According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of failure or damages of not less than {$100.00} and not more than {$1000.00}. I want XXXX XXXX per violation has violated my rights. 15 USC 1681 Section 602 States I Have The right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. numerous violations of 15 usc 1692 e ( 10 ), ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 )
08/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 44313
Web
I have disputed these items multiple times on my credit report for inaccurate information that the credit reporting agency is reporting on my credit report. They have refused to remove these items and correct my credit report. They have violated my rights and have not been compliant with the FCRA or the FDCPA. I have the following accounts reporting on my account as charged off which means this is canceled debt. The IRS defines charge off as ordinary income and filed a 1099-C. This should be removed immediately due to it's considered ordinary income so how can it be reported on my credit report as debt which makes it inaccurate? The creditors are supposed to send me a 1099-c to file as income on my taxes but nothing has been received if this is my debt. This is a violation of 15 U.S. Code 1681e ( b ). Please see the following accounts that are inaccurate and have violated my rights. These accounts also have other inaccuracies and are listed below and will need to be removed immediately. The time for updating is over and I demand that they are deleted immediately. Account Name : XXXXXXXX XXXX Account Number : XXXX -Date opened different -Account Status Different -Balance Different -High Credit Different -Credit Limit Different -Reporting past due but listed as Collection/Chargeoff -Payment Status Different -last reported different -Last Date active different Account Name : XXXX XXXX Account Number : XXXX -Date opened different -High Credit Different -Reporting past due but listed as Collection/Chargeoff -Payment Status Different -Last Date active different Account Name : XXXX Account Number : XXXX -Open date different -High Credit Different -Last reported different -Last Date active different Account Name : XXXX Account Number : XXXX -Open date different -High Credit Different -Last Date active different Account Name : XXXX Account Number : XXXX -Open date different -High Credit Different -Last reported different -Last Date active different -Date of last payment different These accounts below have also been disputed and are violating my rights and the time for updating is over and I demand that they are deleted immediately. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately do so TODAY, even right NOW! I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with a PERMENANT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. But can you please answer this one question. How did you investigate these accounts? Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigate my consumer report. Did you interview my neighbors? Did you interview my friends? Who did you talk to? One more thing, can you please tell me how everything is accurate since these accounts date open, date last active are not reporting the same information. The obvious infractions are as follows : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX -Account Status Different -Open date different -Payment Status different -Last reported different -Last Date active different -Date of last payment different Account Name : XXXX Account Number : XXXX -Open date different -Payment Status different -Last reported different -Last Date active different -Date of last payment different Account Name : XXXX XXXX XXXX Account Number : XXXX -Date opened incorrect -High credit reporting differently -Last reported different -Date last active different Account Name : XXXX XXXX Account Number : XXXX -Date opened different -Reporting past due but listed as collection/chargeoff -Monthly payment different -Last Date active different Account Name : XXXX Account Number : XXXX -Date opened different -Account Status Different -last reported different -Last Date active different Account Name : XXXX XXXX Account Number : XXXX -Date opened different -Account Status Different -Balance Different -High Credit Different -Credit Limit Different -Reporting past due but listed as Collection/Chargeoff -Payment Status Different -last reported different -Last Date active different Account Name : XXXX XXXX Account Number : XXXX -Date opened different -High Credit Different -Reporting past due but listed as Collection/Chargeoff -Payment Status Different -Last Date active different Account Name XXXX XXXX Account Number : XXXX -Date opened different -Account Status different -No. of months ( term ) different -Payment Status different -Last Date active different Account Name : XXXX XXXX XXXX Account Number : XXXX -Account Status different -Balance Different -High Credit Different -Credit limit different -Reporting past due but listed as Collection/Chargeoff -No. of months ( term ) different -Payment Status different -Last reported different -Last Date active different -Date of last payment different Account Name : XXXX XXXX Account Number : XXXX -Account Status different ( showing open account but also showing collection and past due ) -Reporting past due but listed as Collection/Chargeoff -Payment Status incorrect Account Name : XXXX XXXX Account Number : XXXX -Last reported different -Last Date active different -Date open different Account Name : XXXX Account Number : XXXX -Account Status Different -Open date different -Balance Different -High Credit Different -Credit limit different -Past Due different -Reporting past due but listed as Collection/Chargeoff -Payment Status different -Last reported different -Last Date active different -Date of last payment different Account Name : XXXX Account Number : XXXX -Account Status Different -Open date different -Reporting past due but listed as Collection/Chargeoff -Last Date active different Account Name : XXXX Account Number : XXXX -Reporting past due but listed as Collection/Chargeoff Account Name : XXXX Account Number : XXXX -Account showing paid but late 30 days Account Name : XXXX XXXX Account Number : XXXX -Open date different -Monthly Payment different -Balance different -Last reported different -Last Date active different -Date of Last payment -Account has been Paid in full Account Name : Bankruptcy Reference Number : XXXX -Investigation stated that was verified through courts ( letter attached states they do not verify with any credit reporting agencies ) -Reference numbers reporting different -Court name different I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with a PERMENANT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. But can you please answer this one question. How did you investigate these accounts? Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigate my consumer report. Did you interview my neighbors? Did you interview my friends? Who did you talk to? One more thing, can you please tell me how everything is accurate since these accounts date open, date last active are not reporting the same information. You have violated multiple laws below : 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i 15 U.S. Code 1681b ( 2 ) 15 U.S. Code 1681c2 15 U.S. Code 1681a ( 2 ) ( a ) ( i ). 15 U.S. Code 1681s ( a ) ( 1 ) ( a ) 15 U.S. Code 1681s-2 ( A ) ( B ) ( i ) ( ii ) 15 U.S. Code 1681s-2 ( A ) ( 7 ) ( a ) ( i ) Violation of the Fair Credit Reporting Act ( F.C.R.A ) Violation of the F.D.C.P.A.
08/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • LA
  • 70122
Web
My name id XXXX XXXX, a natural person. I have filed this complaint on my belief, based on research. In accordance with the Fair Credit Reporting ActXXXX XXXX accounts # listed below have violated my rights. The parties involved in this violations are as follows : XXXX, XXXX, EQUIFAX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX. The violations are as follows : 1. ( FACT ) The following entities listed below have and continue to violate the Federal laws, that have grant me, by the Fair Credit Reporting Act and Fair Debt Collection Practices. I have dealt in good faith from XXXX, XXXX to this present and to no avail. The following entities have refuse to correct the blatant and obvious errors on my credit report, as required by the following Federal 15 USC codes : XXXX, XXXX, EQUIFAX ( EQUIFAX XXXX XXXX XXXX ) and XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX. 2. ( FACT ) 15 USC 1681 ( a ) ( 4 ) & B1681b ( a ) ( 2 ) Accuracy and fairness of credit reporting There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( FACT ) 15 USC 1681b ( a ) ( 2 ) ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 3. ( FACT ) 15 USC 1681i ( 2 ) ( A ) & ( B ) ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 4. ( FACT ) 15 USC 1681i ( 2 ) ( B ) ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 5. ( FACT ) 15 USC 1681c ( a ) & ( 5 ) ( a ) INFORMATION EXCLUDED FROM CONSUMER REPORTS Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 6. ( FACT ) 15 USC 1681s-2 ( a ) ( b ) ( i ) ( ii ) ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 7. ( FACT ) 15 USC 1692b ( 2 ) ( 5 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The Debt collector verbiage is offensive to me and makes me very upset and Affidavit Page 3 of 5 drives my XXXX XXXX up.. I am offended that this debt hasnt been removed and I have received documents that are clearly altered and edited. In my belief and based on documents I received. 8. ( FACT ) 15 USC 1692C ( A ) ( A ) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of an court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of a Debt. 9. ( FACT ) 15 USC 1692D ( 2 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. The language is offensive, Debt Collector, balance amount due are very offensive, when my request for a investigation and validation has not been conducted as set forth by Federal law. The entities have oppressed my financially and harmed my quality of life. I feel worried and depressed when I check the mail or every time my phone rings. They have continuously abused my rights for over a year now, by not correcting the errors that I have documented time and time again. The financial hardship and depression created by the continuous certified mailing to all parties involved. The cost of these mailings has an large financial commitment attached to them. 10. ( FACT ) 15 USC 1681n ( a ) ( 1 ) 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 ) 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}. Affidavit Page 4 of 5 11. ( FACT ) 15 USC 1681 SECTION 602A and 1681 SECTION 604A Right to privacy and furnishing account details, without written instructions. 12. ( FACT ) 15 USC 1692b ( 2 ) Violation of Acquisition of Location. I am not a resident of the state, the debt collector, is established/located. 13. ( FACT ) 15 USC 1681 ( a ) ( 4 ) Accuracy and fairness of credit report ( VIOLATED ) 14. ( FACT ) 15 USC 1692g Validation of debt notice within 5 days. ( VIOLATED ) 15. ( FACT ) 15 USC 1692f Unfair/unconscionable practices. 16. ( FACT ) 15 USC 1692e False and Misleading representation. ( VIOLATION ) 17. ( FACT ) Improper investigation and/or no investigation conducted as prescribed by the following terms of investigation. 1681 ( a ) ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. All entities involved have stated several times that the account ( s ) have been verified, validated and investigated. Yet based on the credit reports, all data must be XXXX percent accurate or be removed. The credit reports differ and has information between all XXXX reports, that are completely different. ( Drastically different ) See attached credit
08/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • SC
  • 29483
Web Servicemember
*********CFPB********** This is for the cfpb to see and know that i am not just imagining things and that i am flat out disregaurded, and each of the bureaus are doing and have been, All of their investigations ( if you call them that ) have been more than 30 days so I am begging you in the name of justice please Detete this XXXXXXXX XXXX account from my report.. He is a cut and paste of my dispute from XX/XX/XXXX XXXXthey do not at all follow the cfpb protocall of how a responce to a complaint is suposed to be structured XXXX just took what the creditor said with little to zero regaurd to my claims '' since when in our justice system is a companies word just become a stated fact and thats that " NEVER but as you can plainly see for yourself this is how they interact with consumers as if, if the company says so then it is so .that is not only an illogical approach on handeling complaints/disputes it is against the body of laws that are suposed to govern the credit reporting agengies .But as i stated in a diffrent complaint and you can now read for yourself the agencies pick and choose wich laws to disregaurd and wich ones to enforce and more times than not they enforce the ones where they can simply close a case or keep big bussiness happy # XXXX the little guy .Did they ever to stop and think that big business may have become just that by doing just that " XXXX the little guy '' 3.the approach to explanation on how the truck is beoing listed as paid in full for less than owed the whole statement is a doublke negitive that it is factually impossible to perform.Was not there no explanation given no education of the consumer no nothing just a statement sayin that XXXX said it is so, so do they 4.the exclusion and complete disregaurd of the request of evidence yet again, the bureaus have violated so many laws and rights its shameful on the profession how are they constantly aloud to abuse the power they hold and remain to have a flowing day to day negitive effect on my family finances 5/as i saud in a complaint earlier today in now 14 days if XXXX dont quit with this myself and my family will be living in my truck and i swear as god is my wittness I have printed of my coresponcence to each bureau and on here with the responces and even the 2 letters that i had 2 creditors send me in black and white where they said that XXXX has not reached out to them like they say they have in their dispute responces in fact i was the first contact over said account since XXXX nothing from all 3 bureaus but they all said in their responces that they had contacted the creditor and that the creditor said the file was factual but i have it in writing from the creditors that its not true XXXX if my family has to sleep in my truck everyone can bet their last dollar im taking everything to the new station im sure their lawyer will be able to point me in a solid direction. So please******** CFPB******** please reread my complaint verse their responce and see if your self just how ive been being done and see that i have not been lying or exagerating I disputed the company XXXX XXXX listing my paid in full account as a charge off and as settled for less than full on the grounds of An employee of XXXX XXXX telling me that is i was to do as they ask and obtain alternate fin ancing or trade the vechile in that they would not list as a charge off they would list as " paind in Full '' it would not list in a negitive manor and their respoce was vauge and limited at best!! they completly danced around a few of my concerns so i will list in order in hopes of getting a clear answer and In addition I will use this platform to formally request evidence used against me to be provided to me. 1 if total loan amount was for XXXX 2 years into loan they cvharged off XXXX ( questionable agt best ) but they charged off the loan at XXXX k and undoubtly recieved a tax credit for the XXXX Have they ammended the bad debt total to the XXXX that was owed upon trade in due to myself paying for almost 1.5 years otherwise seems to me as the taxes reported on this loan on their part would be incorrect because you are not alloweed to claim a loss but recieve payment on that loss but your tax credit remain the same I would like to see proof of amended tax credit or do i need to write the tax office ( question not a threat just unsure of wich office to express my concern or this happening to others as well ) 2.They claim it was paid in full for less than what was owed and simple math says that that is incorrect. charge off was XXXX was owed XXXX at time of trade in they accepted XXXX and issued a 1099 for the remaining of what what owed to them so how is that less than what was owed thar math says that the item was satisfied in full they also stated that they reviewed phone records looking for evidence to substanciate my climes to be fact or faulse so that being said I would hope that they reviewed the very first all the way to the very last call between my self and their customer rep, as the conversations were many, and the way it was to be listed was on more than 1 occasion, I can also provide a written or oral statement from the car sales man to substanciate my claim as he wanted to hear it for himself after i told him of my agreement because he stated in his 30 years plus as a car salesman this was a first and thought it was the most commendable action ever by a lender to a vetran or civilain but to have a vet in hard times having his forutne changed with the help of a lender was something that would deffinatly have him refering said lender in the future being a vet himself But all of that being said i would like to use this oppertunity to formely request that any and all phone recordings that were used against me as evidence be submitted to myself as well for review as i am permitted to request according to the fair credit reporting act withing the 30 days alotted and if XXXX can not or will not then i ask that their file be removed from my credit report.They may be submitted here for all to review or to me at XXXX XXXX XXXX XXXXXXXX SC XXXX or email @ XXXX so just to be clear i am formaly requesting any and all phone calls that were recording between myself and the cusgtomer rep that handeled my file that aiding in XXXX stating that my claims have no merrit and if not provided within 30 days that XXXX XXXX file be removed from my credit report Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THE PRIOR PAYING HISTORY ON THIS ACCOUNT HAS BEEN UPDATED. THE DISPUTED INFORMATION HAS BEEN VERIFIED AND/OR UPDATED. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ACTIVITY DESIGNATOR, HIGH CREDIT, SCHEDULED PAYMENT, CLOSED DATE, HISTORICAL ACCOUNT INFORMATION, ACCOUNT HISTORY We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on XXXX
04/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MI
  • 48103
Web
The XXXX code is XXXX. XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX, XXXX, disabled both my access to e-statements and stopped sending paper statements. This is acknowledged in XXXX XX/XX/XXXX response to my billing error notification sent on or around XXXX XX/XX/XXXX, by XXXX XXXX XXXX associate XXXX XXXX. In that e-mail XXXX explains the system automatically took this action. The access was allegedly re-enabled, but had been disabled again by early XX/XX/XXXX. Therefore, I did not receive statements for periods from the onset in XX/XX/XXXX thru present. XXXX was given the statutory two ( 2 ) full billing cycle periods to correct the billing errors. When the XX/XX/XXXX billing statement did not arrive, I notified XXXX again on XXXX XX/XX/XXXX. XXXX XXXX responded again acknowledging the error and stated I would have no further online access as my online banking access was now locked. In a XXXX XX/XX/XXXX follow-up, I asked XXXX if XXXX could confirm I was receiving paper statements. I received no response. My accounts were reported by XXXX to the CRAs on or around XXXX XX/XX/XXXX as charged-off. I filed at least two ( 2 ) billing error notices, apprising UMCU that I was not receiving statements and was unable to retrieve them via the banking portal. XXXX acknowledged this in two ( 2 ) different responses, but has not been able to rectify the situation. It is the unlawful for XXXX to report derogatory information to he CRAs regarding my accounts for the period beginning XXXX XX/XX/XXXX thru present because a billing error notice was sent to XXXX. Thus, the derogatory information for accounts must be removed from my credit report and/or the account/tradelines and associated information must be expunged. ISSUES IN DETAIL I. XXXX FAILED TO PROVIDE PERIODIC STATEMENTS IN COMPLIANCE WITH REGULATION Z The accounts with for which XXXX has continued to report delinquent history and subsequently charged-off are open-ended accounts. Billing cycle regulations are governed by Regulation Z, 12 CFR Part 1026.2, which requires the minimum duration between statement generation date and statement due date be twenty-one ( 21 ) days. Moreover, Regulation requires that the date on which a payment is due may not vary by more than four ( 4 ) days. Simply put, I have received XXXX ( XXXX ) statements since XX/XX/XXXX. This is something XXXX acknowledged per the reply of XXXX XXXX on or around XXXX XX/XX/XXXX. XXXX. XXXX FAILED TO CONDUCT BILLING ERROR INVESTIGATIONS AND FIX BILLING ISSUES 12 CFR Part 1026.13 outlines the actions that a financial services institution must take when it receives a billing error notice and prohibits certain actions from taking place upon receipt of that notice. XXXX initially responded to my XXXX billing error notice on or around XXXX XX/XX/XXXX. XXXX XXXX informed the steps he'd taken to allegedly correct the error, but did mention the system was automatically preventing me from accessing my accounts online. I notified XXXX XXXX of the same issue again around XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX XXXX again acknowledged the system was disabling the access due to the status of my accounts and would be permanently disabled thereafter. I asked XXXX to then confirm that XXXX system was mailing my statements because i had not received any statements between XXXX XX/XX/XXXX and XXXX XXXX XXXX. XXXX could not provide me with a statement and instead provided me with a screen-dump lacking the information required on any periodic statement/billing notice compliant with 12 CFR 1026. At some point, without confirming statements were being mailed, and with XXXX fully aware that I was not able to log into the online system to retrieve paper statements, fully aware that the online system previous indicated I had XXXX ( XXXX ) accounts with XXXX, XXXX charged-off my revolving accounts and reported the adverse history to the CRAs. Paragraph 13 ( c ) ( 2 ) outlines that XXXX had two ( 2 ) complete billing cycles to conduct its investigation and provide me with a resolution. While XXXX XXXX did inform me on XXXX XX/XX/XXXX that he'd re-enabled both mailing of paper statements and retrieval of online statements, I received no subsequent statements and no follow-up from XXXX regarding XXXX statement delivery issue. The provisions laid out in XXXX ( c ) ( XXXX ) would enable XXXX to make the necessary corrections by the end of XX/XX/XXXX. When I did not receive a statement at the end of XX/XX/XXXX, I contacted XXXX again on or around XXXX XX/XX/XXXX to apprise them of the on-going issue. Paragraph XXXX ( d ) ( 2 ) of Regulation Z is quite clear in that no creditor or its agent shall directly or indirectly make, or threaten to make, an adverse report to any person about the consumer 's credit standing, or report that an amount is delinquent because the consumer failed to pay the disputed amount or related finance charges. So without resolving the issue since filing my billing error on or around XXXX XX/XX/XXXX, XXXX continued to report my payment status delinquent for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, including the charge-off annotation. In total, it appears there was never a resolution to the billing error notice initially filed on or around XXXX XX/XX/XXXX. The matter remained unresolved and continues to remain unresolved. XXXX 's solution was then to lock me out of the online banking portal, the portal that stated i had XXXX ( XXXX ) accounts and access to zero ( 0 ) statements. They then acknowledged those actions, provided me with zero ( 0 ) corrected statements and/or explanations, and subsequently charged-off my accounts in violation of Paragraph 3 ( d ) ( 2 ) of Regulation Z. III. XXXX ENGAGED IN UNFAIR ACTS AND PRACTICES Section 1036 ( a ) ( 1 ) ( B ) of the CFPA prohibits unfair acts or practices. 12 U.S.C. 5536 ( a ) ( 1 ) ( B ). 22. An act or practice is unfair under the CFPA if it : ( a ) causes or is likely to cause consumers substantial injury ; ( b ) such injury is not reasonably avoidable by consumers ; and ( c ) such injury is not outweighed by countervailing benefits to consumers or to competition. 12 U.S.C. 5531 ( c ) The delinquent payment history and subsequent charge-offs would be considered unfair practices because XXXX has not provided statements to me on a periodic basis as required by CFPB interpretation of Regulation Z, 12 CFR Part 1062.2 and instead has continued to report my payment history each month as delinquent without sending me a statement. The decision by XXXX to charge-off my accounts after XXXX XX/XX/XXXX constitutes an unfair practice because the basis of the charge-offs was due to non-payment, for which the non-payment was due to XXXX 's inability and/or unwillingness to ensure received paper statements by mail and/or through their online system. The adverse credit history reported for the months XX/XX/XXXX through present, and the charge-off status reported for the revolving accounts harms and will continue to harm my ability to finance with in the future. Moreover, as someone who holds or has held security clearances my ability to obtain, maintain, and gain new clearances can be damaged by the reported information, when I have made every attempt to resolve the billing matter with XXXX. Instead of trying to resolve the issues with their billing systems/practices, XXXX chose to charge off my accounts, in the process violating multiple provisions under both the CFPA and Regulation Z.
08/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30016
Web
In accordance with the Fair Credit Reporting Act everything must be 100 % accurate on my credit report. The Credit Bureaus never did a proper " investigation '' according to the FCRA The term " investigative consumer report '' means a consumer report portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also, they have violated my rights even more I have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 15 U.S.C. 6802 ( b ), ( e ) ( XXXX ). I've NEVER received Notice that my information would be shared to third parties. I did not consent, nor did I provide written permission to share my nonpublic personal information with anyone, CRAs or Creditors. Also, 15 USC 1681 604 A Section XXXX - States a Consumer Reporting Agency SHALL Not furnish an account without my written permission or instruction. I have never given written permission to any company. CRA 's continue to report inaccurate information when suppose to be 100 % accurate according to FCRA. CRA 's comes back and say account " VERIFIED '' but how is this so when my name is spelled wrong. My name is not XXXX XXXX nor is it XXXX XXXX XXXX. I only have XXXX address XXXX XXXX XXXX XXXX XXXX, GA XXXX CRA 's reporting inaccurate information ... example on XXXX reporting XXXX XXXX. Act # XXXX Date Opened as XX/XX/XXXX, and XXXX reporting Date Opened as XX/XX/XXXX. XXXX reporting Date Last reported as XX/XX/XXXX, and Equifax reporting Date Last reported as XX/XX/XXXX. XXXX reporting Date Last Active as XX/XX/XXXX, and Equifax reporting as XX/XX/XXXX. Also account number does not review the last numbers of the account number to verify if the accurate is accurate. ( See Credit Report Attached ) I never received the Social Security Form SSA89 the Authorization for the Social Security Administration ( SSA ) To Release Social Security Number ( SSN ) Verification. These companies must have this form on file prior to releasing information to the CRAs 15 U.S.C. 1681 s-XXXX ( 8 ) ( E ) Responsibilities of Furnishers of information to consumer reporting agencies ( 8 ) Ability of consumer to dispute information directly with furnisher ( E ) Duty of person after receiving notice of dispute After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( XXXX ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. I also was never advised that I could have " OPT OUT '' of the consumer reporting prior to items being put on my credit report. These companies never disclosed to me that my private personal nonpublic information would be shared to nonaffiliated third parties, nor did they provide me with their company policies concerning this matter. Using my information with my consent is a Privacy violation and a Crime according to 18 U.S.C. 1028. When the creditor is in violation of the Truth in Lending Act, the cardholder has the right to seek any actual damages resulting from the violation, statutory damages of up to {$5000.00} for a single violation, and more where the violations are part of a pattern or practice, as well as attorneys fees. [ See 15 USC 1640 ( a ) ( XXXX ) [ actual damages ; 15 USC 1640 ( a ) ( XXXX ) ( a ) ( i ) and ( a ) ( XXXX ) ( a ) ( iii ) [ statutory damages ] ; 15 USC 1640 ( a ) ( XXXX ) [ attorneys fees and cost ] ; and 15 USC 1640 ( e ) and ( h ) [ recoupment and set-off rights ]. The right to recover for violations of this Act may be brought even after the entry of a default judgment against the cardholder by any court of compete jurisdiction. REMAINING QUESTIONS OF FACT 1. Whether the creditor complied with the Truth in Truth Lending Act, which is mandatory for enforcement of a credit card agreement ; 2. Whether the creditor clearly and conspicuously disclose to consumer, in writing or electronic form or other permitted by the regulations prescribed under section 6804, that such information may be disclosed to third parties ; 3. Whether the creditor provided in writing to consumer that his/her private, personal nonpublic information would be shared, sold and distributed to nonaffiliates third parties 4. Whether the creditor disclosure their company privacy policies to consumer in writing at the time of establishing a customer relationship. 15 USC 1681 Congressional findings and statement of purpose ( 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. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. ( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, XXXX. XXXX, XXXX, 84 Stat. 1128. ) Please deleted these accounts XXXX XXXX XXXX XXXX days after the receipt of my information
08/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MO
  • 63109
Web
XXXX XXXX XXXX, XXXX, Equifax, and XXXX have all violated my rights as a natural person, in accordance with the Fair Credit Reporting Act, in regard to my closed account # XXXX with XXXX XXXX XXXX. Recently I looked into each of my credit scores and found that each credit bureau had a different version of my closed XXXX XXXX account. They had differing days/months of closing, extra late payments, and wrong amount of days that it is delinquent. To my surprise, they resolved the dispute within a couple of days. Yet again with wrong information with all of them : XXXX XXXX took off all of the late payments and took off about 60 % of my payment history on XXXX ( they only had about 75 % of my credit history to begin with ), the transunion account was made to match my account on XXXX, and XXXX was marked correct. Two days after the resolution of my dispute, I noticed that XXXX XXXX updated my account, yet again, on all three bureaus. This time it said XXXX XXXX changed the month from being late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to being late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for my account on XXXX and reinserted the late payments to my Equifax account. XXXX XXXX reported to XXXX and XXXX that my late payments were 30 days late on XX/XX/XXXX and XX/XX/XXXX ; 60 days late on XX/XX/XXXX and XX/XX/XXXX. On Equifax, XXXX XXXX inserted that I was late 60 days on XX/XX/XXXX and XX/XX/XXXX ; 90 days late on XX/XX/XXXX and XX/XX/XXXX. My credit history on my XXXX XXXX account for all of the 2017 year, a couple of months at the beginning of XXXX, and XXXX of XXXX ( XX/XX/XXXX was marked as current on Equifax ) marked as unknown for all bureaus after the update that was after the supposedly resolved dispute. My equifax report before the dispute lacked all payment history until the supposed first late payment and showed my account as current after the supposed last late payment, however, XXXX and XXXX had my full payment history from XX/XX/XXXX to XX/XX/XXXX. After Credit Acceptance updated my account after the dispute, I found that the Reinvestigation Info on my Experian account still states This item remained unchanged from our processing of your dispute in XX/XX/XXXX. When it had in fact been changed AFTER the dispute had been supposedly resolved. I also noticed that the address and phone number is different on Equifax than it is on XXXX and XXXX. The account Equifax lists the address as XXXX XXXX XXXX MILE XXXX, MI XXXX and phone number as ( XXXX ) XXXX ; XXXX and XXXX have their address and phone number listed as XXXX XXXX XXXX, XXXX MI XXXX and their phone number ( XXXX ) XXXX. The date of my last payment/close date was fixed with the dispute to the correct date XX/XX/XXXX, but when XXXX XXXX XXXX XXXX account after the supposed resolved dispute they updated that my last payment/close date is on XX/XX/XXXX. Also, XXXX XXXX XXXX isnt written out fully on my XXXX report. I dont understand how they could put effort into reinserting incorrect, deleted information with incorrect information, but not put effort into resolving my dispute accurately the first time. I wasnt even notified in writing of the reinsertion of the information within 5 days, I wasnt notified in writing at all. I will say, I was XXXX days delinquent in XXXX ( not XXXX ), but I paid my bill early in XXXX, I paid before 30 days in XXXX and XXXX. XXXX XXXX had reasonable cause to know that the information they twice inserted into my account since the original incorrect, insertion, if they had looked into my payment history, they could have accurately updated my account, and they were so negligent with the reinsertion of information after the dispute they didnt bother to check if it even matched the other reports with the incorrect information they updated the accounts of the other bureaus with. Now for XXXX, Equifax, and XXXX, they clearly failed to do a thorough investigation. The bureaus failed to recognise this company with a clear pattern of a company compromising accuracy and integrity, further so without doing a thorough investigation and allowing them to reinsert and update information that was incorrect on an account that has been closed for more than two years. Which should be suspicious and flagged by the bureaus being that they updated on a closed account, without another dispute being filed. The information should have been blocked from being updated after supposedly being updated with what they claimed to be correct information after they concluded their investigation into my dispute, but it wasnt, which has really caused me to lose trust in the credit system. From what Ive read from complaints on the cfpb, bbb, and through word of mouth is that XXXX XXXX XXXX does shady business, but yet they are still in business and still allowed to ruin consumers finances and credit. You would think the Credit Bureaus would be flagging companies like this and keeping an eye on them. Regardless of the idea of flagging these companies the Credit Bureaus are supposed to have systems in place that ensure the accuracy of the information nor reinsertation according to the Fair Credit Reporting Act, but they clearly dont if this is a recurring issue with many consumers. The specific Fair Credit Reporting Act laws that have been violated : 15 U.S. Code 1681i - 5 ( A ) ( i ) ; 15 U.S. Code 1681i - 5 ( B ) ( i ) ( ii ) ( iii ) ( I ) ( II ) ; 15 U.S. Code 1681i - 5 ( C ) ; 15 U.S. Code 1681i - 5 ( D ) ; 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) ; 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) ( i ) ( ii ) ; 15 U.S. Code 1681s-2 ( b ) ( 1 ) ( E ) ( i ) ( ii ) ( iii ) ; 15 U.S. Code 1681s-2 ( b ) ( 2 ) ( B ) ; 15 U.S. Code 1681s-2 ( b ) ( 2 ) ( E ) ( i ) ( ii ) ( iii ) ( iv ) ; 15 U.S. Code 1681s-2 ( e ) ( 2 ) ( A ) ; 15 U.S. Code 1681s-2 ( e ) ( 2 ) ( B ) ; 15 U.S. Code 1681s-2 ( e ) ( 2 ) ( C ) ; 15 U.S. Code 1681s-2 ( e ) ( 2 ) ( D ) ; 15 U.S. Code 1681g ( 3 ) ( B ) ( i ) ( ii ) ; 15 U.S. Code 1681e ( b ) ; 15 U.S. Code 1681e ( d ) Due to these inaccuracies I had XXXX XXXX a car that kept XXXX down for years, despite constant repairs, putting my life and others lives in danger, TWICE to the car lot because I was denied the first time due to my credit and because it wasnt enough to trade in on its own, I had to trade it in and put almost a XXXX dollar down payment to get my new car, because this company made it look like I was an unreliable consumer. When I was struggling last year to get by financially, I was unable to refinance my car which also put a hard inquiry on my account further damaging it with nothing to show for it. *Federal laws definitions are included in attachments, straight from the Fair Credit Report Act
08/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • SC
  • 29483
Web
I just received my investigation results. Complaint # XXXX and saw some accounts were verified. However, I have a few questions : how did you complete your investigation? Did you talk to my neighbors, friends, or family? If so, please inform me of the person who completed the investigation. The Credit Bureaus stated that my account was properly investigated but how is that possible when the high balance is inaccurate, balance owed is inaccurate, account number is inaccurate, last verified is inaccurate, close date is inaccurate, and date reported is inaccurate. This is grounds for removal. One more thing, I was reading the FCRA and noticed you VIOLATED these laws as well : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 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 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 15 USC 1681i. ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I, XXXX XXXX XXXX, consumer, and natural person, am aware of all of the rights I have, and which are protected by the Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX. Account Name : DP OF EDUC Account Number : XXXX 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 1681n ( a ) ( 1 ) 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} XXXX. Account Name : US DEPT ED Account Number : XXXX 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 1681n ( a ) ( 1 ) 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} XXXX. Account Name : US DEPT ED Account Number : XXXX 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 1681n ( a ) ( 1 ) 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} XXXX. Account Name : DP OF EDUC Account Number : XXXX 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 1681n ( a ) ( 1 ) 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} XXXX. Account Name : DP OF EDUC Account Number : XXXX 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 1681n ( a ) ( 1 ) 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} XXXX. Account Name : DEP OF EDUC Account Number : XXXX 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 1681n ( a ) ( 1 ) 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} XXXX. Account Name : XXXX XXXX Account Number : XXXX 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 1681n ( a ) ( 1 ) 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} XXXX. Account XXXX : Account XXXX : XXXX 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 1681n ( a ) ( 1 ) 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} XXXX. Account XXXX : Account XXXX : XXXX 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 1681n ( a ) ( 1 ) 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}
07/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75244
Web
As you can see in complaint XXXX Equifax wants to continue to yell at the consumers when we are very specific in what we are requesting. They repeatedly keep checking my consumer report and have not been given permission to do so, however Equifax didn't address the issues and a specific resolution was provided. This complaint is from the my denial for the DATA FURNISHER PROGRAM FOR no reason. AGAIN, For exercising my right per 15 USC 1691 a ( 3 ) and filing previous complaints to Consumer finance regarding an erroneous account on my consumer report that is 12 years old ( dept of edu and nelnet, which they still have not been deleted ) which this account has been removed and inserted on my account since XXXX, and we all know re-aging is illegal. As you can see in consumer complaint # XXXX Equifax refused to take fault in erroneous reporting and instead just deleted the inaccurate information and not the acct, even though I have several previous credit reports showing different reporting information regarding this same account since XXXX on a 36 months term account. This account has been deleted and reinserted back on my account several times, so I complained again, and informed them, that replacing blank data in place of the incorrect data is not considered accurate data, and re-aging is illegal. Not to mention that this account is reported as a charge off and a collection and we know per law, 1099 income and debt can not be continuing to be reported as a charge off AND a collection, neither one of the statuses were accurate, so I submitted another complaint. Instead the respondent was yelling and refused to remove the account as you can see the tone in the response in the complaint # XXXX. These complaints have caused me to be retaliated and discriminated against and denied participating in Equifax XXXX XXXX program. Since then, my personal credit score has decreased XXXX points as well and I havent been late on anything in 3 years, but its being reported as a receipt delinquent account. Since then, Equifax refused to respond to my application for the XXXX XXXX program and after not responding to 4 emails, I had to call in and complain and I then received an email response the following day of a denial with no explanation. I never received a call as advertised that a consumer will receive after applying for questions or for clarity. No investigation was performed, and no denial reason was given but indicated several statements of their reputation. What does reputation have to do with a denial? I also requested an appeal process and never received a response. This is clearly discriminatory and retaliation. The retaliation, discriminatory and bias treatment was from me filing previous complaints to Consumer Finance regarding the reporting that has caused me great damages. I consistently asked why was I denied as a data contributor and gave them a chance to fix this error before this complaint and they still refused to give me a reason for denial, which also doesnt give me the opportunity to correct any issue to ever qualify for the program. The discrimination allegations were after I did my due diligence to see that all consumers that qualified for the data contributor program were 99.99 % all XXXX consumers. Now the reputation statement of the denial made more sense but its clear it wasnt due to Equifax data breach that millions were apart of. I have paid for marketing, and re-construction of my website to implement the requirements that will be completed in 3 days. The program requirements are public and nowhere is it indicated that if you meet all criteria that the decision is based off the discretion of the company and you can not get the reason of the denial. Also, I want to know what can a person see on an application that can automatically deny them with no communication if all credentials are correct? The closest I received to a reason its Equifax said due to its reputation, I did not qualify. What would be the point of listing public requirements if the ultimate decision is based from the companys private decision? This is clearly a cover up to discriminate against consumers. How can a company be regulated by FCRA, CARES Act, FCRA, and ECOA and deny people of a program that goes against the laws and human rights? The treatment has been so bad that. Ive sent several emails and will not even get a reply. This is unacceptable, and as you can see on my previous Consumer complaint numbers Equifax refused to take fault in erroneous reporting and delete the account and now is trying to make me suffer because I exercised my rights. I qualified for the trade program and met all criteria as similar consumers with different nationalities and have been denied because of my skin color/race and exercising my rights. I am seeking the protection from 15 USC 1691 a ( 3 ), and the Civil Rights Act and This law requires both public and private businesses to provide individuals full and equal accommodations, advantages, facilities, privileges or services. I have kept all correspondence and proof of my statements because this treatment need to be publicly recognized by the consumers like me and the legal system that regulate these companies that are going against the law but are giving the right for decision making over consumers like me. Nowhere in FCRA, does it give Equifax the right to determine who can or can not be a data furnisher over a consumers data. Consumer requirements is to follow the laws implemented by the above agencies. I have attached other consumers that were approved, to show you that its clear this is discrimination and retaliation. If I am not eligible, I have the right to know why I wasnt eligible so therefore correction can be made. It should not be no special or different requirements for me than any other consumer. The solution is, I want is to be approved to be a data furnisher as the XXXX consumers. Attached is my proof of a few non-financial data furnishers consumers and the only difference from me and them is the XXXXXXXX XXXX XXXX XXXX and XXXX. This company was also approved by Equifax..Let me give you more insight. XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and has been incorporated since XX/XX/XXXX and is a t-shirt design and accessories company. Now how can an online T-shirt company be approved to be a data furnisher for businesses, and our company are strictly for business services and in a high-rise corporate building with security that has been in business longer? But Equifax is talking about reputation?
07/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75244
Web
As you can see in complaint XXXX Equifax wants to continue to yell at the consumers when we are very specific in what we are requesting. They repeatedly keep checking my consumer report and have not been given permission to do so, however Equifax didn't address the issues and a specific resolution was provided. This complaint is from the my denial for the DATA FURNISHER PROGRAM FOR no reason. AGAIN, For exercising my right per 15 USC 1691 a ( 3 ) and filing previous complaints to Consumer finance regarding an erroneous account on my consumer report that is XXXX years old ( dept of edu and XXXX which they still have not been deleted ) which this account has been removed and inserted on my account since XXXX, and we all know re-aging is illegal. As you can see in consumer complaint # XXXX Equifax refused to take fault in erroneous reporting and instead just deleted the inaccurate information and not the acct, even though I have several previous credit reports showing different reporting information regarding this same account since XXXX on a 36 months term account. This account has been deleted and reinserted back on my account several times, so I complained again, and informed them, that replacing blank data in place of the incorrect data is not considered accurate data, and re-aging is illegal. Not to mention that this account is reported as a charge off and a collection and we know per law, 1099 income and debt can not be continuing to be reported as a charge off AND a collection, neither one of the statuses were accurate, so I submitted another complaint. Instead the respondent was yelling and refused to remove the account as you can see the tone in the response in the complaint # XXXX. These complaints have caused me to be retaliated and discriminated against and denied participating in Equifax Data Contributor program. Since then, my personal credit score has decreased XXXX points as well and I havent been late on anything in 3 years, but its being reported as a receipt delinquent account. Since then, Equifax refused to respond to my application for the XXXX XXXX program and after not responding to 4 emails, I had to call in and complain and I then received an email response the following day of a denial with no explanation. I never received a call as advertised that a consumer will receive after applying for questions or for clarity. No investigation was performed, and no denial reason was given but indicated several statements of their reputation. What does reputation have to do with a denial? I also requested an appeal process and never received a response. This is clearly discriminatory and retaliation. The retaliation, discriminatory and bias treatment was from me filing previous complaints to Consumer Finance regarding the reporting that has caused me great damages. I consistently asked why was I denied as a data contributor and gave them a chance to fix this error before this complaint and they still refused to give me a reason for denial, which also doesnt give me the opportunity to correct any issue to ever qualify for the program. The discrimination allegations were after I did my due diligence to see that all consumers that qualified for the data contributor program were 99.99 % all XXXX consumers. Now the reputation statement of the denial made more sense but its clear it wasnt due to Equifax data breach that millions were apart of. I have paid for marketing, and re-construction of my website to implement the requirements that will be completed in 3 days. The program requirements are public and nowhere is it indicated that if you meet all criteria that the decision is based off the discretion of the company and you can not get the reason of the denial. Also, I want to know what can a person see on an application that can automatically deny them with no communication if all credentials are correct? The closest I received to a reason its Equifax said due to its reputation, I did not qualify. What would be the point of listing public requirements if the ultimate decision is based from the companys private decision? This is clearly a cover up to discriminate against consumers. How can a company be regulated by FCRA, CARES Act, FCRA, and ECOA and deny people of a program that goes against the laws and human rights? The treatment has been so bad that. Ive sent several emails and will not even get a reply. This is unacceptable, and as you can see on my previous Consumer complaint numbers Equifax refused to take fault in erroneous reporting and delete the account and now is trying to make me suffer because I exercised my rights. I qualified for the trade program and met all criteria as similar consumers with different nationalities and have been denied because of my skin color/race and exercising my rights. I am seeking the protection from 15 USC 1691 a ( 3 ), and the Civil Rights Act and This law requires both public and private businesses to provide individuals full and equal accommodations, advantages, facilities, privileges or services. I have kept all correspondence and proof of my statements because this treatment need to be publicly recognized by the consumers like me and the legal system that regulate these companies that are going against the law but are giving the right for decision making over consumers like me. Nowhere in FCRA, does it give Equifax the right to determine who can or can not be a data furnisher over a consumers data. Consumer requirements is to follow the laws implemented by the above agencies. I have attached other consumers that were approved, to show you that its clear this is discrimination and retaliation. If I am not eligible, I have the right to know why I wasnt eligible so therefore correction can be made. It should not be no special or different requirements for me than any other consumer. The solution is, I want is to be approved to be a data furnisher as the XXXX consumers. Attached is my proof of a few non-financial data furnishers consumers and the only difference from me and them is the XXXX of my skin and race. This company was also approved by XXXX.Let me give you more insight. XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and has been incorporated since XX/XX/XXXX and is a t-shirt design and accessories company. Now how can an online T-shirt company be approved to be a data furnisher for businesses, and our company are strictly for business services and in a high-rise corporate building with security that has been in business longer? But Equifax is talking about reputation?
08/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 91352
Web
n 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 a account without my written instructions ive sent out letter to each of my credit bureau to check to make sure everything on my credit report are accurate and consistent they responded saying everything XXXX XXXX but when I go check my report their still are inconsistencies I wield like all these accounts to be removed from my credit report. I demand the following accounts be verified or removed immediately. Name of Account Account XXXX XXXX XXXX XXXX Cancel contract. Please provide original or delete XXXX XXXX Cancel contract. Please provide original or delete XXXXXXXX XXXX XXXX XXXX Cancel contract. Please provide original or delete XXXX XXXX XXXXXXXX Cancel contract. Please provide original or delete XXXX XXXX Cancel contract. Please provide original or delete XXXX XXXXXXXX Cancel contract. Please provide original or delete these are all the accounts with inconsistencies I would like them to be removed fro my credit report. XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card XXXX XXXX XXXX : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$2000.00} {$0.00} {$1400.00} Credit Limit : {$1500.00} {$1500.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. Unpaid balance reported as a loss by credit grantor. Sold to : XXXX XXXX XXXX. Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account XXXX Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$2800.00} {$2800.00} {$2800.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$2800.00} {$0.00} {$1900.00} Credit Limit : {$2800.00} {$2500.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. Charged off account Charge Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - XXXX XXXX XXXX XXXX Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$550.00} {$550.00} {$550.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$550.00} {$0.00} {$550.00} XXXX XXXX : {$300.00} {$300.00} {$0.00} Past Due : {$550.00} {$550.00} {$550.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. Unpaid balance reported as a loss by the credit grantor. Charged off account Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX Equifax Account # : XXXX Account Type : Collection Account Type - Detail : Collection XXXXXXXX XXXX : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$3300.00} No. of Months ( terms ) : - High Credit : {$2800.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Customer disputed account - reported by subscriber. Date Last Active : XX/XX/XXXX Date of Last Payment : - XXXX XXXX ( Original Creditor : T XXXX XXXX ) XXXX XXXX Equifax Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection XXXX XXXX : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$270.00} {$270.00} No. of Months ( terms ) : - - High Credit : {$270.00} {$270.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Customer disputed account - reported by subscriber. Consumer disputes this account information Subject has not satisfied debt. Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XXXX XXXX XXXXXXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card XXXX XXXX XXXX : Individual Individual Individual Account Status : Paid Paid Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$990.00} {$0.00} {$990.00} XXXX XXXX : {$700.00} {$700.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Unknown Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Payment after charge off/collection Settled - less than full balance Account legally paid in full for lass than the full balance. Account legally paid in full for less than the full balance. Settlement accepted on this account Paid charge off Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
04/27/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33143
Web
My name is XXXX XXXX ( SSN XXXX ). After reviewing my credit score on XX/XX/XXXX I discovered that all three credit bureaus were currently reporting private student loans obtained between 10 and 12 years ago. These private student loans went into default when XXXX XXXX refused to extend forbearance onto the loans nearly a decade ago. XXXX XXXX then transferred the loans to a new company, XXXX, even though they are private and not federal loans. XXXX has been reporting these loans on my credit report predominantly as closed, charged off loans. These loans have negatively affected my credit report for 12 years and bear total charge off amounts vastly exceeding the original loan amounts. This is because XXXX has fraudulently been extending forbearance without request by the consumer and has been increasing the total loan amount through accumulating interest and using this forbearance as a payment to keep the account current for a longer period, extending the statute of limitations and the date at which reporting falls of the Credit Report. In fact, as the time of my original inquiry, two student loans ( in the amount of {$7500.00} and {$7500.00} respectively ) show as having been paid this very month. In fact, the account history shows that the loan became current, then late, then current again, three separate times in the last three years, even though exactly zero payments have been issued and zero requests for any sort of forbearance are on record or were requested. Clearly, no such payments or requests have ever been made. The fraudulent activity on these accounts are illegal and defraud not only the consumer, but the government, who is accepting the charged off amounts as legitimate on tax documents, even though they vastly exceed the proper and legal charge off amount due to the illicit practices of XXXX. After reviewing the accounts personally and realizing there are numerous and blatant errors in reporting, I personally contacted XXXX and demanded that the accounts be corrected and removed from my Credit Report by sending individual letters for each specific loan and asking for proof of request for forbearance or payments made toward those accounts to justify their account history, the misrepresented amount owed, and their incorrect reporting timeline. When XXXX received these letters, they responded by ignoring my request for correspondence entirely, and instead, XXXX hired a third-party corporation named XXXX XXXX to attempt to collect the full amounts for the loans plus accrued interest for 10-12 years. I responded via certified mail, challenging the legitimacy of the debt, their history and the loan balances, and demanding validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) which prevents companies like XXXX from using abusive, unfair, or deceptive practices in situations like mine. I asked specifically for all documents proving that request for forbearance or payments had been made in my name. Further, I demanded that they remove these accounts from my report as they were inaccurate, outdated and therefore were in violation of the Fair Credit Reporting Act. Moreover, when any debt becomes serviced by a debt collections agency, and the debt is challenged, validation of the debt must be provided within 30 days of the original request, unless an extension or special provision is requested as per 809 of the Fair Debt Collections Practices Act. Moreover, having received my letters and responding to them without sending requested validation means that they are now willingly noncompliant and subject to damages of up to {$1000.00} per instance as per FCRA and FTC guidelines. On XX/XX/XXXX, with no response from XXXX or XXXX. I sent another set of letters via certified mail to the three credit bureaus demanding that my credit report be corrected as per rights under the Fair Credit Reporting Act and accusing XXXX of attempting to skirt the rule of law by trying to sell the debt to a third party when I requested debt validation. I also stated plainly that XXXX was in violation of the FDCPA regulations and was therefore subject to civil penalties and damages in court and that it was now illegal for the Credit Bureaus to report the debt as accurate Despite not responding to my request for validation or complying with consumer protections laws, XXXX did indeed receive my letters, and as a response, they took all charged off loans and changed their status from Closed to Active so that it would adversely affect my credit score. They are now reporting that my open loan balance is {$110000.00} ( Including an added {$43000.00} of accumulated interest for an unspecified time of unsolicited forbearance wherein XXXX fraudulently collected interest to charge off a larger amount ). To review, XXXX falsely and illegally placed my accounts in forbearance, extending vastly the statue of limitations and the length of time the loans affect my credit score. When challenged on the fraudulent activity and asked per legal requirements to provide evidence of these fake payments and requests, none was provided, and they attempted to sell the debt quickly to skirt the law. When the collections agency attempted to collect the debt and was challenged, neither the collections agency nor XXXX provided the legally required validation documents. Then, in an attempt to intimidate the consumer ( and to possibly defraud the government of more money ), XXXX attempted to take decade-old charged-off loans and make the accounts active so as to further damage my person and to try to collect additional fees, interest, and tax write offs. All of this was done without any sort of bilateral communication, despite clear documentation that they did in fact receive all certified mail and requests as per multiple consumer protections laws and via multiple appropriate channels. I am requesting formal investigation into the practices of XXXX as they violate multiple consumer protections laws and violate my rights under federal protections. Further, I am requesting that XXXX remove these charges from my account as per government mandated statute of limitations and consumer protections laws. Thank you for your time, XXXX XXXX XXXX
09/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MI
  • 48180
Web
In accordance with the Fair Credit Reporting Act everything must be 100 % accurate on my credit report. The Credit Bureaus never did a proper " investigation '' according to the FCRA 15 USC 1681 and CFPB Consumer Laws and Regulations The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also, they have violated my rights even more I have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 15 U.S.C. 6802 ( b ), ( e ) ( 2012 ). I've NEVER received Notice that my information would be shared to third parties. I did not consent, nor did I provide written permission to share my nonpublic personal information with anyone, CRAs or Creditors. Also, 15 USC 1681 604 A Section 2 - States a Consumer Reporting Agency SHALL Not furnish an account without my written permission or instruction. I have never given written permission to any company. According to the Fair Credit Reporting Act ( Inquiries ) Creditors can not inquire on my credit report or my credit score without my permission. The following listed inquiries on inquiries on my credit report were not authorized by me and should be removed within 30 days as per the law Unauthorized use Truth in Lending 15 USC 1602 ( See attached Credit Reports ) INQUIRIES NOT AUTHORIZED ME UNAUTHORIZED, UNKNOWN, and UNRECOGIZED. Delete these unconfirmed inquiries lacking certifiable evidence unless physically certified verified proof is demonstrated per US Code 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act. Per 15 USC 6803 Disclosure of institution privacy policy ( a ) DISCLOSURE REQUIRED At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to- ( 1 ) Disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; *I was never provided NOTICE at the Time of establishing customer relationship and because of the companys unethical business practice ALL inquiries listed below must be deleted as well The following items listed below are identified as a result of identity theft. These items were illegally placed on my credit report without Notice and I never gave consent nor permission for these companies to report my private non-public information below. I never received the Social Security Form SSA89 the Authorization for the Social Security Administration ( SSA ) To Release Social Security Number ( SSN ) Verification. These companies must have this form on file prior to releasing information to the CRAs 15 U.S. Code 1681 - Congressional findings and statement of purpose ( 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. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The Credit Bureaus must obey the law, including the Fair Credit Reporting Act ( FCRA ) According to the FCRA an item on my Credit Report MUST be removed if it is any of the following : 1. Inaccurate an item isnt mine, high balance account incorrect are incorrect, a closed account listed as open ( or vice versa ), the date of last activity is incorrect, and so much more. 2. Incomplete a field is black, a number or word is truncated, a number or letter is missing, false numbers or letters are added, or something is reported wrong. 3. Unverifiable I need proof that a debt collector has the right to collect from me, and want a original hand signed contract bearing my signature. No proof of contract means no authority to report or collect from me. These companies have complied reports on me that is supposed to represent who I am, and I did not give them permission to do that. The information which they have provided to you on record is a violation of my Consumer Rights and my Privacy. Im demanding that you follow the law and block/remove any information identified as a result of Identity Theft, no later than 4 business days after the date of receipt of such information you receive from me. No Consent equals Identity Theft and a Crime Act per 18 USC 1028
08/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • SC
  • 29306
Web
Please be advised that I have received a computer-generated response requesting additional information. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, because it's not stating the information that's requested or give an area to submit the additional information. I have asked for all the creditors that has falsely reported information on my credit file to validate debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. These accounts are inaccurate under 15 U.S.C. 1692g validation of debt. They have been reporting inaccurate and incomplete account information to my credit file. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - XXXX liability. I am maintaining a careful record of my communications with you for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, Wenger v. Trans Union Corp., XXXX. XXXX ( XXXX XXXXXXXX XXXX ), they may be liable for your willful non-compliance. Also, in Fisher v. Equifax Information Services LLC ( XXXX XXXXXXXX XXXX ), they may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I have asked for all the creditors that has falsely reported information on my credit file to validate debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. Please view the below definitions, 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) 1006.2 ( g ) Definitions. ( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. These account are inaccurate under 15 U.S.C. 1692g validation of debt. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. Below I have attached the definition of the law as this is my right. Please have this inaccurate account removed from my credit as it is damaging my personal life or pay the {$1000.00} fine for breaking this law. 15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs. It was communicated to me to reach out to creditor to expedite the removal. As of the date of previous complaints, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America.
08/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 22406
Web
I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681 and they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. -Account Name : XXXX Account XXXX : XXXX 15 USC 1681 section 602 A. States I have right to privacy. 15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation -Account Name : XXXX XXXX Account Number : XXXX 15 USC 1681 section 602 A. States I have right to privacy. 15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation -Account Name : XXXX XXXX Account Number : XXXX 15 USC 1681 section 602 A. States I have right to privacy. 15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation -Account Name : XXXX XXXX Account Number : XXXX 15 USC 1681 section 602 A. States I have right to privacy. 15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation -Account Name : Best Buy/CBNA Account Number : XXXX 15 USC 1681 section 602 A. States I have right to privacy. 15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation -Account name : Comenity overstock Account Number : XXXX 15 USC 1681 section 602 A. States I have right to privacy. 15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation -Account Name : Credit Acceptance Account number : 8182 15 USC 1681 section 602 A. States I have right to privacy. 15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation -Account Name : Opploans Account number : XXXX 15 USC 1681 section 602 A. States I have right to privacy. 15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation -Account Name : Grain Account Number : XXXX 15 USC 1681 section 602 A. States I have right to privacy. 15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation -Account Name : OneMain Account number : XXXX 15 USC 1681 section 602 A. States I have right to privacy. 15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation -Account Name : Upgrade Account number : 3418 15 USC 1681 section 602 A. States I have right to privacy. 15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation -Account Name XXXX XXXX XXXX Simple Account Number : XXXX XXXX USC 1681 section 602 A. States I have right to privacy. 15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation -Account Name : Portfolio Recovery 15 USC 1681 section 602 A. States I have right to privacy. 15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation -Account Name : XXXX XXXX 15 USC 1681 section 602 A. States I have right to privacy. 15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation -Account Name : CCS XXXX 15 USC 1681 section 602 A. States I have right to privacy. 15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Account Name : XXXX Collections 15 USC 1681 section 602 A. States I have right to privacy. 15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation
06/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AL
  • 35805
Web
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX Account # XXXX has violated my rights. 1 5 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. 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. In accordance with the Fair Credit Reporting Act, 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. In accordance with the Fair Credit Reporting Act, XXXX 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. In accordance with the Fair Credit Reporting Act, XXXX 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. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX 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. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX 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. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX 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. 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. In accordance with the Fair Credit Reporting Act, XXXX 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. In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX 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. In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXX Account # # # # # # has violated my rights. 1 5 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. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXccount # 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. In accordance with the Fair Credit Reporting Act, 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. 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. 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. 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.
08/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • MS
  • 39042
Web
I have asked for all the creditors that has falsely reported information on my credit file to validate debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. Please view the below definitions, 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) 1006.2 ( g ) Definitions. ( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. These account are inaccurate under 15 U.S.C. 1692g validation of debt. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. Below I have attached the definition of the law as this is my right. Please have this inaccurate account removed from my credit as it is damaging my personal life or pay the {$1000.00} fine for breaking this law. 15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs. It was communicated to me to reach out to creditor to expedite the removal. As of the date of previous complaints, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. . Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! 1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 2.What certified documents were reviewed to conclude your investigation? 3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 4.What did it cost your company to obtain the documents needed to complete your investigation? 5.Please provide proof of your timely procurement of certified documents. 6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 7.If yes to above : a.Who did you speak to? b.On what date? c.How long was the conversation? d.What was their position? e.What telephone number did you call? f. What is the name of the employee of your company that spoke directly to the above party? g.What is the position of the employee of your company that spoke directly to the above party? h.How long has that employee been employed by your company? i.What formal training was provided to this employee to investigate items of this kind? j.Was there any email or written communication between members of your company and the above party? 8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease
08/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 32835
Web
I have been writing Equifax, XXXX, XXXX since XX/XX/XXXX of XXXX requesting proof that these unverified alleged accounts, unauthorized inquiries and inaccurate names and addresses are mine. All three bureaus have done nothing but AUTOMATICALLY UPDATE everything I dispute as VERIFIED by the original creditor or creditor as accurate. Every time Equifax, XXXX or XXXX just auto verifies my disputes, my affidavits and my request for Validation, they never provide any Proof of Claim no evidence, no copies of any completed investigation. XXXX, Equifax and XXXX have all repeated failed to provide me with one thing I requested on every one of my request and affidavits. I am completely stressed out and just over it and I will be moving forward with legal litigation if you can not assist me with this matter and make these credit consumer bureaus play by the rules and follow the law. All of my request and affidavits that were mailed to Equifax, XXXX and XXXX were ignored completely for well over 30 days multiple times, and not one credit bureau has provided me with any validations of debt, any proof of claims or any copies of any completed investigations. All three bureaus XXXX XXXX and Equifax are I direction violation of 15 USC 1692g ( a ) ( 5 ), 15 USC 1692g ( b ) and 15 USC 1681b ( a ) ( 2 ), alone with a slew of other violations of my rights as a federally protected consumer. The Law clearly states : Title 8 USC 809. Validation of debts ( 15 USC 1692g ( a ) ( 5 ). ( a ) NOTICE OF DEBT ; CONTENTS, ( 5 ) a statement that upon the consumers written request within the thirty-day period the debt collector will provide the consumer with the name and address of the original creditor, if different from creditor. Title 8 USC 809. Validation of debts ( 15 USC 1692g ( b ). ( b ) DISPUTED DEBTS if the consumer notified the debt collector in writing within the thirty ( 30 ) day period described in subsection ( a ) that the debt, or any portion therefore, is disputed, or that the consumer request the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion therefore, until the debt collector obtains validation of the debt t or any copy of the debt or any copy of judgement, or the name and address of the original creditor, and a copy of such verification or judgement, or name and address of the original creditor is mailed to the consumer by the debt collector. 15 U. S. Code 1681b-Permissible Purpose of consumer reports ( 15 USC 1681b ( a ) ( 2 ). ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never once wrote XXXX, Equifax or XXXX giving them my written consent or instructions to report any of alleged unverified accounts, unauthorized inquires or inaccurate information to my XXXX, Equifax and XXXX consumer reports in the first place. I called XXXX, Equifax and XXXX multiple time since XX/XX/XXXX to request the original copies of the letters that I would have written to them bearing my wet signature giving them instructions to report the referenced above information, since they just keep auto-verifying everything I disputed without providing any actual proof or Proof of Claim. They never provided me with anything I requested written or verbally. How is this legal? Please have XXXX, Equifax and XXXX DELETE these all these alleged accounts and all these unauthorized NON account Bearing Inquiries The bureaus know exactly which inquiries I am referring to. Again Please DELETE the following disputed information because they failed to verify since XX/XX/XXXX : Name of Account Account Number Provide Physical Validation XXXX XXXX XXXX XXXX XXXX Unverified Account/No Contract XXXX XXXX XXXX XXXX XXXX Unverified Account/No Contract XXXX XXXX XXXX XXXX XXXXXXXX Unverified Account/No Contract XXXX XXXX XXXX XXXXXXXX Unverified Account/No Contract XXXX XXXX XXXX XXXX XXXX Unverified Account/No Contract XXXX BKPT CT XXXX Unverified Account/No Proof XXXX XXXX XXXXXXXX Unverified Account/No Proof Again I not been able to get any Verifiable Proof or and Proof of Claims for any of the alleged accounts and inaccurate information since XXXX, XXXX. Not even after sending more request and official affidavits to all three bureaus. XXXX, Equifax and XXXX are now all knowingly, willfully and unlawfully reporting some new unverified accounts that just appeared on my consumer credit reports without my consent or written instructions. I can only imagine the unwanted added stress and willfully non compliance. I am about to even request validation of debt These new unknown alleged accounts are listed below : Name of Account Account Number Provide Physical Validation XXXX XXXX XXXX XXXX Unauthorized Account/No Poof XXXX XXXX XXXX XXXX Unauthorized Account/No Proof XXXX XXXX XXXX Unauthorized Account/No Proof XXXX, XXXX XXXX Unauthorized Account/No Proof XXXX XXXXXXXXXXXX XXXX XXXXXXXX Unauthorized Account/No Proof
06/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IN
  • 46032
Web
Please remove these inquires and accounts from my Equifax credit report. I never have had a credit card or applied for one, and have no affiliation with any of these companies. Account summary Closed Accounts ( 5 ) XXXX ( 4 ) XXXX XXXX XXXX XXXX Dispute not available Account status Closed Age of Account 17 days Late payments XXXX View account details XXXX XXXX Dispute not available Account status Closed Age of Account 5 days Late payments XXXX View account details XXXX XXXX XXXX Account status Closed Age of Account 6 days Late payments XXXX View account details XXXX XXXX XXXX Dispute not available Account status Closed Age of Account 9 days Late payments XXXX View account details XXXXXXXX XXXX XXXX Dispute not available Account status Closed Age of Account 5 months 6 days Late payments XXXX View account details Inquiries ( XXXX ) Hard Inquiries ( XXXX ) Hard inquiries may impact your credit score XXXX/XXXX XXXX XXXX XXXX XXXX, OH XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX, OH XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX OH XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX OH XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX, TN XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Date of inquiry XX/XX/XXXX Dispute this Soft Inquiries ( XXXX ) Soft inquiries do not impact your credit score. These inquiries are not disputable. EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX EQUIFAX UPDATE XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX EQUIFAX UPDATE XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MN XXXX Date of inquiry XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX EQUIFAX UPDATE XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX EQUIFAX UPDATE XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX EQUIFAX UPDATE XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX EQUIFAX UPDATE XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX EQUIFAX UPDATE XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX EQUIFAX UPDATE XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX EQUIFAX UPDATE XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX EQUIFAX UPDATE XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX EQUIFAX UPDATE XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX EQUIFAX UPDATE XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX EQUIFAX UPDATE XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX EQUIFAX UPDATE XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX EQUIFAX UPDATE XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX EQUIFAX UPDATE XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX EQUIFAX UPDATE XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX EQUIFAX UPDATE XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX EQUIFAX CONSUMER XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Date of inquiry XX/XX/XXXX EQUIFAX CONSUMER XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX EQUIFAX CONSUMER XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of inquiry XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX
08/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MS
  • 38915
Web Servicemember
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The following accounts have violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as me, the FCRA required that it is done so in a manner that is fair and equitable. The following accounts, illegally obtained personal and private information and sold it to other reporting agencies, including XXXX, Equifax, and XXXX. I did not grant the following accounts permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, these accounts are still inaccurate, and your company is continuing to report errors on my credit file, which is causing damage to my credit score. EQUIFAX STATED THAT THEY HAVE BEEN GIVING OUT FAKE SCORES SO I WANT THESE NEGATIVE ITEMS REMOVED. In accordance with the Fair Credit Reporting Act, XXXX Account Number XXXX XXXX, Account Number XXXXXXXX XXXX XXXXXXXX, Account Number XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX Hard Inquiries XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, has violated my rights. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 15 U.S.C. 1681 ( A ) ( 3 ). Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers 15 U.S.C. 1681 ( A ) ( 4 ). There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S.C. 1681i ( 2 ) ( A ). Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 15 U.S.C. 1681i ( 5 ) ( A ). If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 U.S.C. 1681s-2. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shallconduct an investigation with respect to the disputed information ; review all relevant information provided by the consumer with the notice ; complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 15 U.S.C. 1681b. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 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.
08/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 94086
Web
XXXX Bank illegally canceled the credit card protection plan, without authorization or notification, on my XXXX XXXX account # XXXX twice upon attempting to file a claim. Leading it to become delinquent incorrectly. See details below on Complaint # XXXX. XX/XX/2022 : Called XXXX XXXX ( otherwise known as XXXX ) to file a claim on my credit card protection program ( otherwise known as debt cancellation ). I was informed they were non-operational. I requested a refund for the month as I was not able to use it, specifically stating that I did not want a cancelation, but a refund only for the month I was not able to file a claim. The rep informed me that I would be receiving a letter in the mail letting me know if the refund was approved. She provided the website address for me to get information on the product since I did not receive anything at the actual time of purchase. XX/XX/2022 Contacted XXXX XXXX to inform them of the issue, and to find out what could be done. Nothing. They insisted I call XXXX XXXX. XXXX XXXX : XXXX XXXX paid XXXX XXXX XXXX ( XXXX ) payment for us, because their site was down since XXXX, and we could not file a claim. We were told a letter would be sent to us letting us know if a payment was approved on our behalf and that a claim form would be sent out. We received nothing from them in the mail or otherwise. XX/XX/2022 Called XXXX XXXX again to follow up. The site was still down. No word from anyone on refund or when a claim could be filed. I asked to be refunded for the XXXX XXXX payment, as well given that I could not file a claim. I specifically told them that I did not want to cancel the program. XX/XX/2022 Following up to file a claim, get a refund on the payment for XXXX, and have a claim form mailed. No new information was provided. XX/XX/2022 Following up to file a claim, get a refund on the payment for XXXX, and have a claim form. Asked to have a claim form sent out. I was given the opportunity to file a claim over the phone, however, I wanted to have written documentation of the process. No form was ever sent out for claim filing. XX/XX/XXXX : XXXX XXXX Canceled our XXXX without authorization or notification. I found out a month later while on a call with XXXX XXXX. XX/XX/2022, XX/XX/XXXX, XX/XX/2022 Called XXXX XXXX to find a solution. We informed them the XXXX was canceled without my authorization. I was eventually connected with an Account manager on XX/XX/XXXX, who agreed to stay on the line while I 3-way dialed XXXX XXXX re : XXXX cancellation XXXX We were told I would get a call within 7-10 business days with an answer, and a letter in the mail. We received neither. XX/XX/XXXX : XXXX XXXX reinstated XXXX per our request following a 3-way phone call with the XXXX XXXX Account Manager. No notification of reinstatement was provided. No claim form was sent out. No phone call was made to us as promised. XX/XX/XXXX : XXXX XXXX canceled our XXXX without Authorization or notification a second time. XX/XX/2022 I contacted XXXX XXXX to find out what happened. In order to get straight answers, I told the representative who took the call that I would be recording the call. She said she would have to hang up, and did so promptly. I called XXXX XXXX numerous times before getting to XXXX, an account manager who was willing to XXXX call XXXX XXXX to find out why the XXXX was canceled again. XXXX XXXX claimed XXXX XXXX canceled it. XXXX at XXXX XXXX claimed they no longer had the power to do that. I was told I would get a call within 7-10 days. I told them that I would not be receiving voice mail messages and that they would have to send out a letter for documentation purposes. We tried to confirm my address, they had my office address XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Ca XXXX. All mail, including my XXXXXXXX XXXX and XXXX statements, are automatically forwarded to me from this address, always. Nothing was received at either my office or my home address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX. XX/XX/2022 XXXX called me to follow up. I had not received any communications from XXXX XXXX. We decided to wait another week. In the meantime she would call them to find out what she could do and that she would call me on XX/XX/2022 at XXXX XXXX to let me know what she found out. XX/XX/2022 XXXX called back at XXXX XXXX. There was no furthering of the issue. XX/XX/2022 I called XXXX XXXX to talk with XXXX the account manager. I was informed she could help me no further as those were her detailed notes on the account. Upon request, I was transferred to XXXX, another account manager who also stated he could not help me. I explained the unauthorized cancelations and that this was fraud. He simply transferred me back to XXXX XXXX, the people who would not send out claim forms, canceled the XXXX twice, and hung up on me when I stated that I would be recording the call. XXXX I contacted the CFPB to find out which organization oversees XXXX XXXX XXXXXXXX XXXX. They told me I could file a complaint with them. Here is the complaint.
07/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 19120
Web
ACCOUNT : XXXX XXXX XXXX XXXX XXXX # # # # # # XXXX I XXXX XXXX a person, non-adverse, non-belligerent, non-combatant party and executer with full life. I am in possession of my credit report with your voluntary submission of alleged account in question. As you keep reporting the alleged account verified and accurate. I herby dispute this alleged account in its entirety and request the removal of it from my consumer report. I am addressing XXXX, Equifax, XXXX directly about these subterfuges. You have listed these accounts on my credit report, before you listed these accounts you were supposed to verify them as being 100 % accurate in accordance with the Fair Credit Reporting Act ( FCRA ). The companies reporting these accounts to you should have provided you with all documentation in order to prove that these accounts were 100 % accurately reporting. Upon your initial investigation of these account you should have this information on file before you listed these accounts on my consumer report. So I am requesting this documentation for my records. Please send me the certified original copy of the complete audit trail under penalties of perjury of said account, pursuant to 15 USC 1692g of FDCPA. Furthermore in order for these accounts to be listed on my consumer report please provide verification through audit certification of debt entry in accordance with G.A.A.P, IFRS, in accordance with BASEL3 and U.N.C.I.T.R.A.L. Conventions. I will also need a certified copy of the original contract with my wet ink signature between me and reporting company who states they hold claim to this account. Providing that this collector is the holder in due course of the original debt contract and a their certified original copy of their Tax Registration Certificate. Please provide this information for the account ( s ) listed below because these are the accounts that are in question. The data furnisher should have provided you with copies of these documents when they submitted the account for reporting. 1. I also request the following documentations listed bellow to be certified and sent with your response. Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid How they calculated what they claim I owe Full chain of assignment from charge off to present Proof that they own the debt with full clear title Proof that they were on the original contract All should be certified and presented to me with a certificate of testimony that the alleged account ( s ) are reporting 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting on a consumer report. Please also provided certified testimony on how you validated this account ( s ) to be accurate. Be aware that this is also notice that I do not consent to any E-Oscar disputing. The Federal Government states that credit reporting agencies must conduct a physical investigation so please provide me with each and every item listed above. Also please proved the name of the representative you spoke with at the data furnisher, the address of the company and the telephone number you called when you verified this account as accurate before you listed it on my consumer report. I need this information so I can do my own follow up with this representative. If you can not provided these documents and this information then you must immediately remove this account from my credit report. This is in accordance with FCRA Regulations. If you verify this account as verified without providing me with all of said listed items you are in direct violation of Federal Law, and in violation of my consumer rights which carry a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 30 ) days. Please be aware that this is not asking you to verify this account with any reporting company because by law this account should have already been verified as accurate before you listed it on my consumer report. If you have listed this account without the proper verification then you or in violation of Federal Law in accordance with the FCRA. You are acting in willful negligence and willful non compliance. Please delete these accounts for being listed on my consumer report as inaccurate reporting. I am maintaining a careful record of my commutations with you for the purpose of filing a complaint with the Federal Trade Commission should you continue your willful negligence and willful noncompliance. I furthermore remind you that, as in XXXX v. XXXX XXXX, NO. XXXX ( XXXX. XXXX. XXXX XXXX, 1995 ) you may be liable for your willful noncompliance.
07/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33411
Web
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform that if offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, Equifax or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by theses companies, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when it fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : Equifax, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
06/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MS
  • 38915
Web
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The XXXX under the Fair Credit Reporting Act ( FCRA ). The following accounts have violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as me, the FCRA required that it is done so in a manner that is fair and equitable. The following accounts, illegally obtained personal and private information and sold it to other reporting agencies, including XXXX, Equifax, and XXXX. I did not grant the following accounts permissible purpose to obtain the information and repo rt it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, these accounts are still inaccurate, and your company is continuing to report errors on my credit file, which is causing damage to my credit score. In accordance with the Fair Credit Reporting Act, XXXX, Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, Account Number XXXX Hard Inquiries XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX, has violated my rights. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 15 U.S.C. 1681i ( 2 ) ( A ). Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 15 U.S.C. 1681i ( 5 ) ( A ). If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 U.S.C. 1681s-2. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shallconduct an investigation with respect to the disputed information ; review all relevant information provided by the consumer with the notice ; complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 15 U.S.C. 1681b. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 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. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items. 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.
08/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19111
Web
EQUIFAX ACCOUNT NAME : DPT ED/ XXXX BALANCE : {$1900.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ XXXX BALANCE : {$4700.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ XXXX BALANCE : {$3400.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ XXXX BALANCE : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ XXXX BALANCE : {$7300.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ XXXX BALANCE : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ XXXX BALANCE : {$3300.00} DATE OPENED : XX/XX/XXXX XXXX ACCOUNT NAME : DPT EDXXXX XXXX BALANCE : {$1900.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ XXXX BALANCE : {$4700.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ XXXX BALANCE : {$3400.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ XXXX XXXX : {$3900.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ XXXX BALANCE : {$7300.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ XXXX BALANCE : {$3800.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ XXXX BALANCE : {$3300.00} DATE OPENED : XX/XX/XXXX XXXX ACCOUNT NAME : DPT ED/ XXXX BALANCE : {$1900.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ XXXX BALANCE : {$4700.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ XXXX BALANCE : {$3400.00} DATE OPENED : XX/XX/XXXX I am victim of identity theft and have filled out the Identity Theft Victims Complaint and affidavit. I left my social lying around in my household countless times not knowing the power it upholds. I even had my car stolen before with my personal information inside when people were looting during the XXXX XXXX Incident. Furthermore, even lost my cell phone with pictures of my SSN and photo of my government issued ID. I dont know exactly who is doing these things but somebody have been benefiting from using my personal information, which shows on my credit profile. I recently had to update my address, name and phone number with each bureaus because they have listed incorrect information, such as phone numbers Ive and never uses, names and addresses. I have already verified who I say I am. I am currently in the process of obtaining a new social security card because the one that I have is still being used by a person and businesses. I even had a XXXX XXXX XXXX Account opened up in my name that I never authorized or gave consent to do so. If a email wasnt sent to me I still wouldnt of known till this day that my personal information is still being used. XXXX is the most recent case of identity theft i am currently facing along with XXXX, collections, derogatory marks and late payments on my credit profile which is all being disputing with all 3 bureaus. Ive also emailed the CEO of XXXX XXXX Asking for removal or some type of validation of debt showing my original signature. Which their is none. Upon speaking to the XXXX XXXX XXXX if the original creditor and they apparently sold these loans attached to my credit profile to XXXX. From doing extensive research. XXXX XXXX launched XXXX, the two companies function as distinct and separate entities. From recently checking my credit report Ive notice there are a bunch of late payments that I am unaware of.I never took any loan from XXXX and the loans reporting on my credit profile were not " solely '' used for qualified education expenses. The loans do not fall into the purview of 11 U.S.C. 523 ( a ) ( 8 ) ( B ), and therefore they do not fit the definition of 'non-dischargeable. I know that these loans that is reporting on my credit is complete fraud and they took advantage of me, as well as facing issues with my identity. I Never authorized nor gave written consent to XXXX XXXX to sell any debt to XXXX, causing me to deal with this hardship along with everything else that I am fighting. Although XXXX XXXX launched XXXX, the two companies function as distinct and separate entities. I am demanding infallible proof that I the alleged consumer does indeed owe this alleged debt. As of right now, XXXX is improperly trying to collect on an invalidated debt pursuant to 15 US Code 1692g ( a ) ( 4 ). Additionally, pursuant to 15 US Code 1692g ( c ), I the consumer has never admitted liability to any debt that XXXX is alleging that the consumer owes. Additionally, XXXX is in violation pursuant to 15 US Code 1692g ( a ) ( 5 ) because XXXX is not the original creditor. How did the XXXX acquire this alleged loan? Pursuant to 15 US Code 1611 ( 1 ), XXXX must have solid proof that the consumer is the actual " borrower '' How can the consumer owe XXXX anything if I am a victim of Identity Theft and also know that XXXX XXXX and XXXX are two different companies. I am requesting verifiable of an original Consumer Contract with my signature on it, according to the law FCRA 609 ( a ) ( 1 ) ( A ). Since XXXX is acting as a 3rd party debt collector, this does not appear to be accurate. Please see attachments
08/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33311
Web
These credit bureaus have been filing incorrect and fraudulent information on my credit report for months and nothing has been resolved. I'm not sure if it is due to the breach these companies have been battling with over the years but something has to be done. There are NUMEROUS fraudulent accounts and incorrect accounts in my name and it is harming my credit let alone my livelyhood. The accounts that are fraudulent and incorrect are as followed. Equifax : XXXX XXXX - Charge-Off Balance : XXXX ( this account is incorrect and should be remove off of my credit. ) XXXX Balance- {$200.00} status : Closed ( This is incorrectly being reported. It is paid in full and OPEN. this should not be showing closed and either needs to be removed from my credit or updated CORRECTLY. ) XXXXXXXX XXXXk ( closed ) - Charge Off- {$2000.00} ( I have already spoken with these creditors to have this removed off of my account. ) XXXX XXXX XXXX XXXX ( This account is reporting late payments when I make each payment on time. This needs to either be removed from my report or updated CORRECTLY. ) XXXX XXXX XXXX XXXX - charge-off - Balance : {$890.00} ( This account was not opened by me and needs to officially be removed from my account. This account was opened by my parents and used BY my parents. This is fraud and needs to be removed from my credit report. ) XXXXXXXX XXXX XXXXXXXX - Collection Balance- {$630.00} ( This is a fraudulent reporting and needs to be removed from my credit report. ) XXXX - Collection - Balance : {$1800.00} ( This account was also opened by my family and not use from me and needs to be removed from my credit report as this is fraudulent reporting. ) XXXX - Collection - Balance : {$940.00} ( This is a fraudulent reporting as this account should not have been in my name whatsoever. This is fraud and needs to be removed from my credit report. ) Soft Inquiries that need to be removed from my report that are unfamiliar : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX - Charge Off - Balance : {$1400.00} ( This is a fraudulent account and has used my name or opening up credit cards. This needs to be removed off of my credit report. ) XXXX XXXX XXXX XXXX ( This account is reporting late payments when I make each payment on time. This needs to either be removed from my report or updated CORRECTLY. ) XXXX XXXX XXXX XXXX - Closed - {$0.00} ( This account should NOT be on my report. They illegally closed my account without my consent and no letter given to me and no verbal announcement and reported that it was closed and hurting my credit report. I want this account REMOVED from my credit report. It was always paid in full. This is fraudulent reporting. ) XXXX XXXX Collection - Balance : {$1800.00} ( This is a fraudulent account and needs to be removed from my credit report. ) XXXX XXXX - Charge-Off Balance : XXXX ( this account is incorrect and fraud and should be remove off of my credit. ) XXXX XXXX - Collection - Balance : {$630.00} ( this account is incorrect and fraudulent and should be remove off of my credit. ) XXXX XXXX XXXX - Collection Balance : {$4600.00} ( this account is incorrect and fraudulent and should be remove off of my credit. ) Soft Inquiries that need to be removed from my report that are unfamiliar : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Closed - {$0.00} ( This account should NOT be on my report. They illegally closed my account without my consent and no letter given to me and no verbal announcement and reported that it was closed and hurting my credit report. I want this account REMOVED from my credit report. It was always paid in full. This is fraudulent reporting. ) XXXX XXXX XXXX XXXX ( This account is reporting late payments when I make each payment on time. This needs to either be removed from my report or updated CORRECTLY. ) XXXX XXXX - Charge-Off Balance : XXXX ( this account is incorrect and fraud and should be remove off of my credit. ) XXXX XXXX XXXX - Collection Balance : {$4600.00} ( this account is incorrect and fraudulent and should be remove off of my credit. ) XXXXXXXX XXXX - Collection - Balance : {$630.00} ( this account is incorrect and fraudulent and should be remove off of my credit. ) XXXX XXXX XXXX XXXX - Collection - Balance- {$940.00} ( This is a fraudulent reporting as this account should not have been in my name whatsoever. This is fraud and needs to be removed from my credit report. ) Soft Inquiries that need to be removed from my report that are unfamiliar : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MS
  • 39759
Web Servicemember
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The following accounts have violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as me, the FCRA required that it is done so in a manner that is fair and equitable. The following accounts, illegally obtained personal and private information and sold it to other reporting agencies, including XXXX, Equifax, and XXXX. I did not grant the following accounts permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, these accounts are still inaccurate, and your company is continuing to report errors on my credit file, which is causing damage to my credit score. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX, has violated my rights. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 15 U.S.C. 1681i ( 2 ) ( A ). Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 15 U.S.C. 1681i ( 5 ) ( A ). If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 U.S.C. 1681s-2. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shallconduct an investigation with respect to the disputed information ; review all relevant information provided by the consumer with the notice ; complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 15 U.S.C. 1681b. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 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. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items. 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.
08/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • WA
  • 98023
Web
I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of the information and verified the account listed below as reporting XXXX XXXX accurate. However, the accounts listed below are STILL inaccurate, and your company is still continuing to report errors on my credit file, which is causing serious damage to my credit score. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate, erroneous, and obsolete information and accounts from my credit report! Below are the accounts and explanation of why these accounts must be removed according to the 1970 FAIR CREDIT REPORTING ACT. This is completely illegal and I will not allow you to keep consistently violating the FCRA laws on my credit report. Your company has treated me unfair! This has hurt my ability to obtain credit, get my dream job, and get a car. My family and I are severely suffering due to your companys negligence and clear violations of the law. Account Name : XXXX XXXX XXXX Account Number : XXXX Explanation of Factual Illegal Violation : This account is in violation of 15 U.S.C. 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2 ( A ) ( 1 ). This account is in violation of 15 U.S.C. 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2 ( A ) ( 1 ). This account has violated my rights to privacy, and I have never given written instructions to furnish this account to my credit report. This account is reporting inaccurately on credit report. I DEMAND THIS ACCOUNT TO GET REMOVED IMMEDIATELY. Please be advised this is a WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Account Name : XXXX XXXX XXXX Account Number : XXXX Explanation of Factual Illegal Violation : This account is in violation of 15 U.S.C. 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2 ( A ) ( 1 ). This account is in violation of 15 U.S.C. 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2 ( A ) ( 1 ). This account has violated my rights to privacy, and I have never given written instructions to furnish this account to my credit report. This account is reporting inaccurately on credit report. I DEMAND THIS ACCOUNT TO GET REMOVED IMMEDIATELY. Please be advised this is a WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Account Name : XXXX XXXX Account Number : XXXX Explanation of Factual Illegal Violation : This account is in violation of 15 U.S.C. 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2 ( A ) ( 1 ). This account is in violation of 15 U.S.C. 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2 ( A ) ( 1 ). This account has violated my rights to privacy, and I have never given written instructions to furnish this account to my credit report. This account is reporting inaccurately on credit report. I DEMAND THIS ACCOUNT TO GET REMOVED IMMEDIATELY. Please be advised this is A WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 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. XXXX XXXX. XXXX. ( a ) ( XXXX ) XXXX States : No consumer reporting agency XXXX 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 XXXX years. XXXX XXXX. XXXX ( A ) ( XXXX ) 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.
07/06/2022 Yes
  • Student loan
  • Private student loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • OH
  • 44077
Web
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 1.Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. US DEPT ED Account Number : XXXX Please remove it from my credit report. 2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. US DEPT ED Account Number : XXXX Please remove it from my credit report. 3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. US DEPT ED Account Number : XXXX Please remove it from my credit report. 4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. US DEPT ED Account Number : XXXX Please remove it from my credit report. 5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. US DEPT ED Account Number : XXXX Please remove it from my credit report. 6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. US DEPT ED Account Number : XXXX Please remove it from my credit report. 7. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. US DEPT ED Account Number : XXXX Please remove it from my credit report. 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. US DEPT ED Account Number : XXXX Please remove it from my credit report. 9. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. US DEPT ED Account Number : XXXX Please remove it from my credit report. 10.Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. US DEPT ED Account Number : XXXX Please remove it from my credit report. 11.Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. US DEPT ED Account Number : XXXX Please remove it from my credit report. 12. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. US DEPT ED Account Number : XXXX Please remove it from my credit report. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE. Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
08/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MS
  • 39772
Web
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The following accounts have violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as me, the FCRA required that it is done so in a manner that is fair and equitable. The following accounts, illegally obtained personal and private information and sold it to other reporting agencies, including XXXX, Equifax, and XXXX. I did not grant the following accounts permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, these accounts are still inaccurate, and your company is continuing to report errors on my credit file, which is causing damage to my credit score. In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX, Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX, Account Number XXXXXXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX, Account Number XXXXXXXX XXXX XXXX XXXX, Account Number XXXX Hard Inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/2021, has violated my rights. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 15 U.S.C. 1681 ( A ) ( 3 ). Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers 15 U.S.C. 1681 ( A ) ( 4 ). There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S.C. 1681i ( 2 ) ( A ). Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 15 U.S.C. 1681i ( 5 ) ( A ). If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 U.S.C. 1681s-2. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shallconduct an investigation with respect to the disputed information ; review all relevant information provided by the consumer with the notice ; complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 15 U.S.C. 1681b. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.
08/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32724
Web
XX/XX/XXXX I decided that I wanted to start building credit so I can get a car because I never used my credit before. Learning the importance of credit and trying to see what I needed to do to start credit building, I tried to log into my credit tracking accounts just to learn I didn't have access to it. I tried to reset my password using my email but that was changed too so I called the credit monitoring companies to see what was going on and it was compromised. When I finally was able to log in I seen alot of unauthorized accounts listed on my report and immediately I filed a police report and contacted CFPB. The police tracking number is XXXX. Below I listed the accounts that's unauthorized. XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Auto Loan Auto Loan Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$21000.00} {$21000.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$20000.00} {$20000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$21000.00} {$21000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. Unpaid balance reported as a loss by the credit grantor. Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Equifax Account XXXX : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Charge account - Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$1100.00} {$1100.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$0.00} {$1100.00} Credit Limit : {$1000.00} {$0.00} Past Due : {$1100.00} {$1100.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Unpaid balance reported as a loss by the XXXX XXXX. Consumer disputes- reinvestigation in progress Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Collection Collection Collection Account Type - Detail : Collection Collection Collection Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : - - - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$24000.00} {$24000.00} {$24000.00} No. of Months ( terms ) : - - - High Credit : {$24000.00} {$24000.00} {$24000.00} Credit Limit : - - - Past Due : - - - Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection - Subject has not satisfied debt. Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Collection Collection Collection Account Type - Detail : Collection Collection Collection Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : - - - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$55.00} {$55.00} {$55.00} No. of Months ( terms ) : - - - High Credit : {$55.00} {$55.00} {$55.00} Credit Limit : - - - Past Due : - - - Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection - Medical Subject has not satisfied debt. Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XXXX XXXX XXXXXXXX XXXX Equifax Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$280.00} {$280.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$580.00} {$0.00} Credit Limit : {$500.00} {$500.00} Past Due : {$280.00} {$280.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Canceled by credit grantor Unpaid balance reported as a loss by the credit grantor. Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX
07/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 44124
Web
I have officially filed a complaint with the FTC! I have asked numerous times for original documentation from XXXX XXXX and all I keep getting is some plain paper with some figures on it and a letter from XXXX XXXX. I sent a validation letter via USPS certified to XXXX requesting numerous original documentation from XXXX XXXX because they are the ones whom is reporting this erroneous information on my credit files. My Federal Trade Commission report number ( FTC Report Number XXXX ). I have attached my FTC Affidavit and my FTC report. I will be sending all this information to my legal representation if this is not removed from all 3 credit bureaus ( experian, XXXX, and equifax ). The validation letter I sent USPS certified to XXXX XXXX is such : Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the doctrine of estoppel by silence, Engelhardt vs GravenXXXX ( Mo ) XXXX XXXX XXXX I may presume there is no proof of the alleged debt, nor therefore any debt, in fact exists and under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. DO NOT SEND ME COPIES! SEND ME THE ORIGINALS! THIS IS MERELY A PAPERTRAIL. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC1692gSec. 809b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have or continue to report unvalidated information to any of the three major credit bureaus ( Equifax, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request with 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor. 2ND NOTICE XX/XX/22 -OVER Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged creditor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for XXXX XXXX in case legal action become necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
08/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • ID
  • 83704
Web
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX 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 a account without my written instructions To whom it may concern : I request more explanation on said reported account. I have not received proof of ownership of this debt including signed agreements ect. I am proceeding under the Fair Credit Reporting Act law. I have the right to challenge I am not sure is accurate. Reporting things on my credit file I did not agree to have reported or have not heard of. Under 15 U.S.C Sec. 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information. 15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer. They also violated my rights numerous times. According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it. According to 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. Please send proof of my written instructions or delete the account from the report. According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed. To whom it may concern : I request more explanation on said reported account. I have not received proof of ownership of this debt including signed agreements ect. I am proceeding under the Fair Credit Reporting Act law. I have the right to challenge I am not sure is accurate. Reporting things on my credit file I did not agree to have reported or have not heard of. Under 15 U.S.C Sec. 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information. 15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer. They also violated my rights numerous times. According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it. According to 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. Please send proof of my written instructions or delete the account from the report. According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause fo
09/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NV
  • 89107
Web Servicemember
This complaint is regarding what I believe to be the same falsified account on Equifax, XXXX, and XXXX. I have disputed the accounts multiple times, the credit bureaus have all made the deceptive statement that the accounts have been 'verified as accurate ' even though they changed information each time that contradicted the previous information provided. I want these falsified accounts deleted from all three bureaus. There is not enough information associated with this account on my credit report to be able to verify how this loan originated as well as ownership, yet the credit bureaus are refusing to delete the account and refusing to provide documentation verification. Thats why I came to you. They are obligated because of this to delete the account entirely, but they are refusing to. Every time I have disputed this account with each bureau, something changes about how the account is reported. The information also as you can see, is inconsistent across the three bureaus. The first falsified set of information said it had been discharged in bankruptcy which was a lie. Then they changed it to, paid collection. Its changed multiple times. All evidence the account information is not accurate, and no ownership verification has been provided. I do not own this account and want it deleted from my report permanently. The following is all the information I have : Equifax : US Department of Education XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Account number blocked out, only shows last two digits of XXXX. Comments section says it is a paid collection and was a single payment loan, XXXX loan. Amount information, origination date missing. Payment history previously reported has been deleted after dispute ). I have NEVER had any such loan. I have never, and would never, take out a single payment loan. I have also never paid a collection related to a single payment loan. I dispute ownership of this account, and I demanded that the credit bureau require the reporter to provide a signed promissory note from me with my original signature to prove ownership and they refused. XXXX : US DEPT of EDXXXX XXXX XXXX XXXX XXXX Iowa XXXX XXXX IA XXXX XXXX ( none provided ) Comments : Balance updated XX/XX/XXXX, {$1600.00} Original balance, XXXX is account number given, 36 month term, Education Loan, Paid, was a collection account, insurance claim, or government claim, or was terminated for default. They said or three times. If this account was verified as accurate according to federal law, how come they do not know for sure what it is and what to call it? XXXX : US Dept of Education ECS Account number : XXXX XXXX Global XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Date Opened : XX/XX/XXXX Comments : Individual account, installment account, student loan, was 60 days past due, monthly for 120 months, account closed due to transfer, late XXXX and XX/XX/XXXX. Such a mess of misinformation across three credit bureaus. What is the US Dept of Ed doing? Are they trying to claim the same false account in three vastly different ways to each bureau? Are they reporting three separate false accounts with obvious incorrect and missing information about three separate accounts that are not mine? What is going on? I dispute ownership of any account or accounts related to the above misinformation. I demand that according to my consumer rights by federal law ; that the United States Department of Education ( each branch listed ), and each credit bureau ( Equifax, XXXX, XXXX ), provide me complete and accurate information for each of the three account numbers listed by each division on each of my three bureau reports to include the following : # XXXX. Prove I took out a student loan related to each account by providing a signed promissory note that corresponds to the account information being provided, with dates and loan disclosures, and my original signature. # XXXX. Prove what school distributed the funds. # XXXX. Prove how the account was defaulted on, and how it was ultimately paid as claimed. The US Department of Education, nor any credit bureau, will be able to provide that information because it does not exist. All three of these entries from US DEPT ED across each of the three credit bureaus must be permanently deleted. I am acting according to the advice of my attorney, and I intend to sue in federal court for pain and duress related to being denied credit based on this false information in violation of my federal consumer rights.
04/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 07111
Web
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX OF XXXX # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. XXXX XXXX XXXX XXXX ACCT # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. XXXX OF XXXX ACCT # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. XXXX ACCT # XXXX account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. XXXX XXXX XXXX XXXX # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. XXXX XXXX XXXX ACCT # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. XXXX XXXX XXXX ACCT # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. Chapter XXXX bankruptcy dismissed ACCT # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. XXXX XXXX XXXX # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. Chapter XXXX bankruptcy dismissed ACCT # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. XXXX XXXX XXXX ACCT # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. XXXX XXXX XXXX XXXX XXXX NJ XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX NJ XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, NJ XXXX XXXX ID # XXXX Single family XXXX XXXX XXXX XXXX, NJ XXXX XXXX ID XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX, NJ XXXX Address ID # XXXX XXXX complex XXXX XXXX XXXX XXXX, NJ XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX, NJ XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX, NJ XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX NJ XXXX Address ID # XXXX Single family Date XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX Number ( XXXX ) XXXX Number XXXX XXXX XXXX XXXX Number ( XXXX ) XXXX XXXX XXXX XXXX ) XXXX Number ( XXXX ) XXXX Number ( XXXX ) XXXX : XXXX XX/XX/20 XXXX Number ( XXXX ) XXXX Number ( XXXX ) XXXX Number ( XXXX ) XXXX Number ( XXXX ) XXXX Number ( XXXX ) XXXX
07/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30135
Web
On XX/XX/2022 I sent a letter to the U.S Bankruptcy Court located in XXXX Ga. In the letter I asked them if they reported information to Any Credit bureau in regards to bankruptcies. The response for them was NO! they do not communicate this information to anybody. So, If this is true how did any of the credit bureaus verify that the information was true and valid, if the courts did not verify this information and I did not verify this information on my behalf? Please explain to me how the XXXX this information is 100 % valid! According to 15 USC 1681 Sec 603 ( 3 ) ( E ) states " The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. '' So, who did the credit reporting agencies ( XXXX, Equifax XXXX ) verify this information with? When, where and how? These three credit bureaus have violated my rights tremendously and on a numerous amount of times. They ( XXXX, Equifax, XXXX ) has violated my natural rights as a consumer by violating my privacy. According to 15 USC 1681 section 602 ( a ) ( 4 ) " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' 15 USC 1681 section 604 ( a ) ( 2 ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions from the consumer to whom it relates. Which I nor my husband has ever given written consent to them. After mentioning all this first and foremost this information should have never been placed on my credit report in the first place. 15 USC 1681c Section 605 ( a ) ( 1 ) states " ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. These cases are only allowed to be added to a credit report by a consumer reporting agency it it is given to them by the source which I am the source or the U.S Bankruptcy Court. This can be found in 15 USC 1681c Section 605 ( d ) ( 1 ) ( d ) Information Required to be Disclosed ( 1 ) Title 11 information. Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title 11, United States Code, shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. All three of the credit bureaus have put an extreme strain on my families life. I have been denied jobs, cars, rental properties, lost finances, my lively hood has been destroyed all the way around. My character has been questioned which is holding my business back from growing which is not fair when they are breaking all the laws that congress has created to protect the consumer. All consumer reports shall be reporting accurate information in a fair manner. 15 USC 1681 section 602 ( a ) states " Accuracy and fairness of credit reporting. ( 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. These business need to be shut down, just like any other business that is committing fraudulent activities! This has to stop!
07/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30052
Web
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 4. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 5. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 6. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. XXXX XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 7. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. XXXX XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC XXXX XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
08/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 28128
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX XX/XX/2022 Dear, XXXX and Equifax am responding to your contact about a debt Creditor Contact Details XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX Please supply the information below so that I have all information : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. Have been any payments or other reductions since the last billing statement from the original creditor? If so, provide an itemization showing the dates and amount of each of them. Have there have been any other changes or adjustments since the last billing statement from the original creditor? If so, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information because I have some questions. It is imperative that I hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. In addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account. Thank you for your cooperation. Sincerely, XXXX XXXX
08/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 31768
Web
Notice to agent is notice to principal notice to principal is notice to agent Pursuant to 15usc1681 ( a ) ( XXXX ) - congress made it clear you assumed this role not legally or lawfully given the rights to be a reporting agency. I never gave you right to do share or report any thing to any persons individuals or XXXX about me. Pursuant to 15usc1681 ( a ) ( XXXX ) your then now purposely violating my rights to privacy ... you share an sell my information your basically controlling my life with made up credit scores.. your were unfair you were you were impartial and you did not respect my right to privacy ... Pursuant to 15usc1681b ( a ) ( XXXX ) - I never instructed you to furnish this report, create this report and I never signed up for this report in the first place.. you Pursuant to 15usc1681 ( a ) ( XXXX ) you have a GRAVE responsibility to make sure my consumer report is fair accurate impartial. You have not been fair it's seems to me that whatever the furnishers send you you don't investigate which is what your suppose to do anyways your making money off of the information it is not in your best interest to be fair. I DEMAND you remove this illegal non permissible purposes late payments from consumer report. For you didn't have permission to even make a consumer report in the first place I never gave you any written consent to or how to report anything pursuant to 15usc1681b ( a ) ( XXXX ). To first state pursuant to 15usc1681e ( b ) - you are to make sure you follow reasonable procedures to assure maximum accuracy how ever you have not done so. You have made my credit score go down substantially from clearly plain to see inaccurate information. If you have would have done you grave duty to assure maximum accuracy you would have notice this but you only see $ signs you alleged that I have alleged delinquent/late payments furnishered from ally financial to first state I have satisfied the alleged debt with ally XXXX you alleged that I am delinquent {$900.00} since XXXX XXXX however if you look at the payment history it says other wise. it's doesn't make sense if I was on time XX/XX/2022 XXXX 2022 how is delinquent {$900.00} dollars? XXXX it also not making any sense also if my alleged payments is {$450.00} monthly an the payment history clearly shows It was payed on time how can it be a pass due amount of {$900.00}?? your clearly not doing your gravely duty. You have cause me injury I will be sending invoice for money compensation Pursuant to 15usc1681 ( a ) ( XXXX ) 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. You have clearly undermined my confidence in this system you have definitely played your part in impairing the efficiency of the banking systems. Your the problem in this bad economy. I the Consumer also DID NOT RECEIVE ANY Disclosures required pursuant to15usc1681d ( a ) ( XXXX ) you didn't make sure that ally sent me disclosures required ( 15usc1681d ( a ) ( XXXX ) ) you didn't care to even check THIS IS NOT AN ATTEMPT TO DISPUTE ANYTHING THIS IS A DEMAND. YOURE SUPPOSE TO BE FAIR ACCURATE IMPARTIAL AND RESPECT MY RIGHTS TO PRIVACY.. THE AMOUNT I ALLEGEDLY OWE SOMEONE IS MY PRIVATE BUSINESS AND PRIVATE INFORMATION.. DO I KNOW WHO YOU OWE? ALSO IF I AM ALLEGEDLY LATE OR NOT IS MY PRIVATE INFORMATION I THE CONSUMER DEMAND YOU SHOW GOOD FAITH AN DO YOUR GRAVE RESPONSIBILITY AND PURSUANT TO 15usc1681 ( a ) ( XXXX ) RESPECT MY RIGHT TO PRIVACY AND REMOVE ANY LATE PAYMENT REPORTING ITS NO ONES BUSINESS. I have attached exhibits an copy of the laws I DIDNT SAY REMOVE ACCOUNT I SAID REMOVE LATE PAYMENTS Last but not least Pursuant to Equifax XXXX sharing policy you said you keep a record of the consent I gave to ally or whom ever to furnish late payments or any information. Pursuant to your policy I request to see this record alleged record. I have attached exhibit of what's in your policy No recourse XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX
09/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NJ
  • 08830
Web
FTC REPORT IS ATTACHED KINDLY READ AND CHECK IT ; XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize this account in accordance with the fair credit reporting act ( XXXX, Equifax, XXXX ), has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. YOU BROKE THE LAW!!! Failure to respond satisfactorily with deletion of the above demands will result in legal actions taken against your company for which I will be seeking {$1000.00} per violation for : 1. Defamation of character 2. negligent non- compliance 3. Civil liability 4. Mental anguish 5. Fair credit reporting act 15 USC 1681 violation for willful noncompliance - 616. Civil liability for willful noncompliance ( 15 USC 1681n ) 6. Identity theft Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. ( I have the paper trail where you stated that you INVESTIGATED and verified this account however you committed another illegal act according to FCRA 15usc 1681a ( e ) the law states an investigation is only legally complete when you interview my family, associates, neighbors ) you did not do that. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. This report is illegal you must follow the law 15USC 1681a ( 2 ) ( i ) Exclusion, a consumer reporting agency is not allowed to report transactions and experiences such as ( payment history and utilization ). It is the consumer reporting agency 's job to make sure they follow maximum accuracy compliance and procedure 15USC 1681 ( e ). You have been notified and I demand removing this fraudulent illegal account from my consumer report. This is making me lose confidence in the banking system 15USC1681 ( a ) ( 1 ). Avoid a major violation because 15USC1681 section 602 A section 2, states a consumer reporting agency can not furnish an account without my ( consumer ) written instructions. Provide the signed written consent of ( me ) consumer and you ( consumer reporting agency ) to furnish this report. Understand that if Failure to delete this account within 30 days of necessary complaints and seek legal counsel, the approved response is to delete this account immediately.
09/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AZ
  • 85251
Web
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 2. The inquiry was not authorized XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 11. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 13. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 15. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 16. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 17. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 18. there is some inaccurate information reporting. US DEPT ED Account Number : XXXX Please remove it from my credit report. 19. there is some inaccurate information reporting. US DEPT ED Account Number : XXXX Please remove it from my credit report. 20. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 21. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report.
05/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77419
Web
FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XXXX XXXX XXXX XXXX MA XXXX XXXX XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Post office box XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX FCRA violations XXXX XXXX not XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} XXXX Account charged off. {$460.00} written off. {$990.00} past due as of XXXX XXXX. XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$76.00} Status Collection account. {$76.00} past due as of XX/XX/XXXX. XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$130.00} XXXX XXXX account. {$130.00} past due as of XX/XX/XXXX. XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1000.00} XXXX XXXX account. {$1000.00} past due as of XX/XX/XXXX. XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$610.00} XXXX XXXX account. {$610.00} XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Account charged off. {$2000.00} written off. {$1800.00} past due as of XXXX XXXX. XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Account charged off. {$2000.00} written off. {$2000.00} past due as of XX/XX/XXXX. FCRA violations : payments never late XXXX XXXX XXXX negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
08/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 43068
Web
To : XXXX, Equifax XX/XX/XXXX This letter is sent in response to your Dispute results.Im not satisfied with these findings and have spent SEVERAL hours researching validity.I recently learned that I was part of XXXX major Data Leaks, Equifax, XXXX and XXXX XXXX and several email and account breaches. I also am a victim of identity theft in XXXX. I filed a police complaint, reported the information to all XXXX bureaus, and was able to dispute and have the fraudulent accounts removed so my identity theft is documented Another issue is that For YEARS it has been reported that I was delinquent in XXXX student loans although I only had XXXX Yet XXXX, The Dept of Edu and XXXX XXXX were all reporting negatively. It is so unfair to me and has affected my credit worthiness. For all the reasons just listed, I ask that you provide me with information with the accounts listed below from the original creditors. XXXX XXXX XXXX XXXX How could XXXX be in good standing but XXXX reported 30 days behind, Its not mathematically possible. Mathematically a payment couldn't be 30 days behind till XXXX. Same applies to XXXX reporting 30 day behind with XXXX in good standing. XXXX inaccurate reporting makes the complete payment history incorrect afterwards because the math started wrong. This is in plain sight mathematically IMPOSSIBLE yet reported for years affecting my ability for Fair Credit. U S DEPT OF EDXXXX that starts with XXXX These student loans have been all over the place! This loan was paid in full by being offset so had a XXXX balance from as of XX/XX/XXXX yet it was reported over a WHOLE year as in collections when It was completely paid off. I had {$0.00} in student loan debt never reported as paid in full, just bogus collection accounts affecting my ability for Fair Credit. Im attaching proof. Not to mention the quadruple collection accounts at a time which is so wrong. XXXX XXXX XXXX that starts with XXXX I've disputed this over and over and over. I was an employee of XXXX had an employee discount on this card yet never shopped! That balance is completely incorrect and I had a {$500.00} limit so this is not only incorrect but impossible. XXXX XXXX that starts with XXXX How could this account show a 3 month history with XXXX and XXXX in good standing but 30 days late by XXXX?? That doesn't even make sense because a payment couldn't be 30 late till XXXX if I made a payment in XXXX Not only does math make it impossible, who sends someone to collections for 1 ( inaccurate ) 30 day payment on a {$2600.00} loan?? Even the Loan amount is odd. Clearly inaccurate, and mathematically impossible. There are also credit inquiries from this company XX/XX/XXXX, XXXX and XX/XX/XXXX and which certainly was not authorized. Remove XXXX XXXX XXXX I was part of the XXXX XXXX Data breach and need proof from the Original Creditor of original applications, payment history and charges and dates. I've disputed several times. I no way agree nor am satisfied, especially sine i was already a victim of identity theft. This account remains totally wrong. I need proof of the original account and info.XXXX XXXX XXXX XXXX I was a Victim of the XXXX XXXX data breach and need proof from them, the original creditor in detail. This is inaccurate. Also, I ve never lived in XXXX, Never Lived on XXXX XXXX XXXX XXXX and don't have an alias. The only name that should be on my Report is XXXX XXXX. Those are more errors This process has been exhausting and all this misreporting of my credit has made things difficult when it comes to Fair Credit. It's not fair to me whatsoever and for some reason these accounts still come back from you guys like the are verified but there is no way that is possible. My rights are being Violated under the Fair Credit act I just want to go on with my life! Your help in this matter would be greatly appreciated, Sincerely, XXXX XXXX
09/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AZ
  • 85041
Web
You continue to violate my rights by not doing an actual investigation included is proof. I just received a copy of my credit report and to my surprise, I noticed that my right to privacy had been violated. I have not given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 5. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 8. i I do not make this inquiry. XXXX Date of inquiry : XX/XX/XXXX Delete this account. 9. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 10. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 11. XXXX XXXX Account Number : XXXX 12. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 13. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Delete this account. 14. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 15. The following personal information is incorrect Account Number : EMPLOYER : XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX 18. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX
07/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • IL
  • 60429
Web
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. US DEPT ED Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. US DEPT ED Account Number : XXXX This account is inaccurate and fraudulent. XXXXm seeking Litigation. Please delete at once. XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. DP OF EDUC Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 4. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. US DEPT ED Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. XXXX Account XXXX : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 6. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. US DEPT ED Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
08/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33069
Web
On or around XX/XX/2015 I applied for a student loan. After i recently received a copy of my consumer report I noticed that these accounts are reporting inaccurately and tarnishing my reputation. There are inconsistencies XXXX and Equifax states I opened the account XX/XX/2015 then XXXX is saying I opened the account XX/XX/2015. That's inaccurate information. Is this fraud? I'm confused did I open this account on that day or not? Why is there inconsistencies within this account on my consumer report? I need clarity and if they are furnishing inaccurate information this account needs to be deleted because they did not conduct an proper investigation.15 U.S. Code 1681- Congressional findings and statement of purpose. ( 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. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Not only that I know they sold this debt to XXXX XXXX XXXX XXXX XXXX. 3-302. HOLDER IN DUE COURSE. ( a ) Subject to subsection ( c ) and Section 3-106 ( d ), " holder in due course '' means the holder of an instrument if : ( 1 ) the instrument when issued or negotiated to the holder does not bear such apparent evidence of forgery or alteration or is not otherwise so irregular or incomplete as to call into question its authenticity; and ( 2 ) the holder took the instrument ( i ) for value, ( ii ) in good faith, ( iii ) without notice that the instrument is overdue or has been dishonored or that there is an uncured default with respect to payment of another instrument issued as part of the same series, ( iv ) without notice that the instrument contains an unauthorized signature or has been altered, ( v ) without notice of any claim to the instrument described in Section 3-306, and ( vi ) without notice that any party has a defense or claim in recoupment described in Section 3-305 ( a ). There are so many laws being broken and me as a consumer has rights to privacy. In accordance to 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 : also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 states : If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( 1 ) provide oral, written, or electronic notice of the adverse action to the consumer ; ( 2 ) provide to the consumer written or electronic disclosure. I did not give these companies written permission to furnish anything on my credit report.
05/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19151
Web
In accordance with the Fair Credit Reporting XXXX XXXX account # XXXX has violated my rights. In accordance with the Fair Credit Reporting 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 a account without my written instructions. 15 U.S. Code 1692c - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692b - Acquisition of location information - Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information. 15 U.S. Code 1692g - Validation of debts- Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. 15 U.S. Code 1692f - Unfair practices- A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. ( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. ( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. ( 7 ) Communicating with a consumer regarding a debt by post card. ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
08/31/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TN
  • 37115
Web
Equifax Is Required To Validate the Debt Prove that the Natural Living Man did not fund his own loan pursuant to the social security card name and account number which that Man is the beneficiary of who collects all payments regarding the corporate legal fiction which is XXXX XXXX XXXX being traded on the Stock Market, Securities and Exchange Commission. Prove that credits have not been siphoned from the Social Security and Birth Certificate Trust Accounts. Pursuant to 15 U.S.C. 1602L that the social security card and/or drivers license are not credit cards. Please Note : Unauthorized use means a use of a credit card by a person other than the cardholder is a violation of 15 U.S.C. 1602 ( p ). Under Penalty of Perjury by Public Servants? Congress Members, Third Party Debt Collects and The Consumer Reporting Agencies Making The Claim of Loan Forgiveness, Prove that such loan was provided from the banks, Prove that digits weren't transferred in database systems to create fictitious debts which never existed. Prove that The XXXX did not loan his signature on the promissory note in which employees used to monetize from and that they never loaned nor did they ever risk their own legal tender/fiat currency and/or assets. Regarding loan forgiveness, XXXX want them to prove XXXX was given a loan in first place otherwise I want the loans returned back to me because banks dont lend money neither do they loan assets of its depositors pursuant to 12 U.S.C . 83 and 12 U.S.C. 1431. Any debt created off the back of something which did not exist in the first place is called counterfeiting, money laundering, unlawful racketeering, securities fraud, trust fraud, bank fraud, counterfeiting, violation of entrusted property, malpractice, barbarity, malfeasance of office, violation of the privacy act of 1974 pursuant to 5 U.S.C. 552a, violation of 31 C.F.R. 1.32-full disclosure of the social security card , violation of 42 U.S.C. 408-penalties for altering and selling the social security card for profit, violation of 15 U.S.C. 1681b ( a ) ( 3 ) -permissible purposes for consumer report when in fact no written authorization, consent or permission was granted by the consumer in order for U.S. Department of EducationXXXX to send consumer report to credit reporting agencies. Equifax willfully failed to investigate and contact the contact before the consumer report was published all which violate fair debt collection practices act and fair credit reporting act. Other violations includes aggravated identity theft pursuant to 18 U.S.C. 1028, violation of 15 U.S.C. 1611-criminal liability for willful and knowing violation, violation of 15 U.S.C. 1692c ( a ) - communication in connection with debt collection, violation of 15 U.S.C. 1640-civil liability, violation of 15 U.S.C. 1641-liability of assignees, violation of 15 U.S.C. 1681s-2-responsibilities of furnishers of information to consumer reporting agencies, 15 U.S.C . 1681n- civil liability for willful noncompliance, 15 U.S.C . 1681o-civil liability for negligent noncompliance, violation of 15 U.S.C. 1692k-civil liability, violation of 15 U.S.C. 1692g ( b ) - disputed debts-if the consumer notifies the debt collector in writing within the thirty day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor the debt collector shall cease collection of the debt, or any disputed portion thereof until the debt collector obtains verification of the debt or a copy of a judgement, or the name and address of the original creditor, and a copy of such verification or judgement, or name and address of the original creditor is mailed to the consumer by the debt collector.
07/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 75071
Web
I have sent Equifax, XXXX, XXXX, and XXXX XXXX a validation of debt according to XXXX, I have already filed a complaint with CFPB on XX/XX/22 and sent letters requesting this debt buyer to validate all 8 of the accounts under my name. XXXX only sent me statements and also a letter showing that they have purchased the charged off debt. I have proof of all statements that and letters that XXXX sent, but I can not attach to this website. I have submitted the law stating that XXXX XXXX have no legal rights to report any debt on my credit report per CFPB subpart 2 regulation F 1006.34 ( b ) ( 2 ) ( i ) : 1006.34 Notice for validation of debts. ( i ) The last statement date, which is the date of the last periodic statement or written account statement or invoice provided to the consumer by a creditor ; Official interpretation of Paragraph 34 ( b ) ( 3 ) ( i ). 1. Last statement date. Under 1006.34 ( b ) ( 3 ) ( i ), the last statement date is the date of the last periodic statement or written account statement or invoice provided to the consumer by a creditor. For purposes of 1006.34 ( b ) ( 3 ) ( i ), the last statement may be provided by a creditor or a third party acting on the creditors behalf, including a creditors service provider. However, a statement or invoice provided by a debt collector is not a last statement for purposes of 1006.34 ( b ) ( 3 ) ( i ), unless the debt collector is also, a creditor. Per your law that you have written and stated on your website, XXXX has not validated any of the alleged debt according to section 1006.34 ( b ) ( 2 ) ( i ). This company is also reporting inaccurate payments on my Equifax report, and I have pointed this information out to all 3 of the credit reporting agencies, that fail to correct this ongoing issue. These companies and CRA 's are not following your rules and laws that have been put in place to protect the consumer! Why have laws, if you are not going to reinforce what you have in place? It's your law CFPB, why is it so hard for the consumer to win or get anything removed deleted if the Credit Reporting Agencies do not follow the laws? THE FAIR CREDIT REPORTING ACT Public Law 91-508 & Amendments Title VI : Provisions relating to credit reporting agencies 601. Short title This title may be cited as the Fair Credit Reporting Act. 602. Congressional findings and statement of purpose [ 15 U.S.C. 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. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
06/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32817
Web
1. ) XXXX XXXX XXXX/ account # XXXX amount - {$1400.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 a account without my written instructions 2. ) XXXX XXXX XXXX/ account # XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 a account without my written instructions 3. ) XXXX XXXX XXXX XXXX account # XXXX In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX 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 a account without my written instructions 4. ) XXXX XXXX XXXX account # * XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 a account without my written instructions 5. ) XXXX XXXX XXXX # XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 a account without my written instructions 6. ) XXXX XXXX XXXX # XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 a account without my written instructions 7. ) XXXX XXXX XXXX # XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 a account without my written instructions 8. ) XXXX XXXX XXXX # XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 a account without my written instructions 9. ) XXXX XXXX # XXXX In accordance with the Fair Credit Reporting act XXXX XXXX # 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 a account without my written instructions 10. ) XXXX XXXX XXXX # XXXX n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 a account without my written instructions 11. ) XXXX XXXX XXXX # XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 a account without my written instructions
01/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33009
Web
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires ( 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 4 business days after the date of receipt by such agency of ( 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. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ),
08/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75214
Web
To whom it May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see verifiable proof ( i.e., an original consumer contract with my signature on it ) that you have on file for the account ( s ) listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account ( s ) listed below. I demand that the following account ( s ) be verified or removed immediately : XXXX ) XXXX Account number - XXXX Account status - Closed Date opened - XX/XX/XXXX XXXX ) XXXX XXXX XXXX Account number - XXXX Account status - Closed Date opened - XX/XX/XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX Account number - XXXX Account status - Closed Date opened- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number - XXXX Account status - Closed Date opened - XX/XX/XXXX XXXX ) XXXX XXXX Account number - XXXX Account status - Closed Date opened- XX/XX/XXXX XXXX ) XXXX XXXXXXXX Account number - XXXX Account status - Closed Date opened - XX/XX/XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Account number - XXXX Account status - Closed Date opened - XX/XX/XXXX XXXX ) XXXX XXXX XXXX Account number - XXXX Account status - Closed Date opened - XX/XX/XXXX XXXX ) XXXX XXXX Account number - XXXX Account status - Closed Date opened - XX/XX/XXXX. I respectfully request to be provided with proof of this alleged item ( s ), specifically the contract, note or other instrument bearing my signature failing that, the item ( s ) must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. In addition, please remove all non-account holding inquires over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within fifteen ( 15 ) days of the completion of your reinvestigation. Thank You
08/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • MI
  • 48185
Web
XXXX Name : XXXX XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX MI XXXX SS # : XXXX Credit Bureau Name : XXXX XXXX XXXX I did not authorize the credit inquiries listed below. Please remove them from my credit profile and credit report. Creditor Name : 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Respectfully XXXX XXXX XXXX
08/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AR
  • 72401
Web Servicemember
I, XXXX XXXX, a NATURAL PERSON and Consumer rights have been violated by Equifax. Equifax has violate 15 USC 1681a ( 3 ), 15 USC 1681a ( 4 ), 15 USC 1681b, and 15 USC 1681b ( 2 ). 15 USC 1681a : ( 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. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 USC 1681b : ( 2 ) Disclosure to consumer ( A ) In generalExcept as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar meansIf a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. You assumed this role and you never had my CONSENT and you were unfair, partial, and respect my right to privacy. I want the accounts removed from my CONSUMER reports : Account Name and Number XXXX XXXX XXXXXXXX XXXX, Account Name and Number XXXX XXXX, Account Name and Number XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Account Name and Number XXXX XXXX XXXX, Account Name and NumbeXXXX XXXX XXXX XXXXXXXX XXXX, Account Name and Number XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Account Name and Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Account Name and Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Account Name and Number XXXX XXXX XXXX XXXX XXXX XXXX, Account Name and Number XXXX XXXX XXXX XXXX XXXX, Account Name and Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name and Number XXXX XXXX XXXX, XXXX XXXX XXXX, Account Name and Number XXXX XXXX XXXX, XXXX XXXX XXXX, Account Name and Number XXXX XXXX XXXX XXXX, Account Name and Number XXXX XXXX XXXX XXXX XXXX, Account Name and Number XXXX XXXX XXXX XXXX XXXX, Account Name and Number XXXX XXXX XXXX XXXX XXXX. I want this address XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX removed.
08/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 28604
Web
The complaint is in reference the accounts of : XXXX XXXX XXXX which was closed XX/XX/2021 with a balance of {$3600.00} and XXXX XXXX XXXX a collections account for {$3100.00} [ 15 U.S.C. 1681 ] Section 602 A states I have the right to Privacy ( For this reason and law alone the account should be removed! ). It also states : 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.. 15 U.S. Code 1692c - C This also means there should be contracts on this debt that have not been produced by either company let alone to or Equifax XXXX, nor did they investigate the Validity of either. Equifax nor XXXX did nothing to investigate any of this nor have they provided a true contract with this Bank/ Company . They said they launch an investigation as to whether the information was correct or not, yet they verified it with XXXX XXXX, ( which i have never entered into a contract with ) Equifax and XXXX has failed to investigate and prove that i did.. They did not launch a proper investigation, Investigation, According to 15 US code1681 ch3 e ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. However, They seem to have obtained their information directly from the creditor. They have not done the proper investigation. I had also hired XXXX XXXX XXXX to write letters asking for and investigation and they had to remove it. I am have XXXX XXXX XXXX send me those letters now in case they are needed. XXXX has already removed this once because they could not prove the debt or produce a contract. XXXX also says they launched an " Investigation, '' but the only thing they did was UPDATE the Account according to the Companies in question. They have not investigated this debt nor the companies invasion of my privacy or the fact that they refused to cease communication and were and would not stop until they could not produce a contract. Equifax and XXXX are violating my rights by not investigating this properly. This is not the first time. Their letter to me to report their investigation says nothing except that they investigated and updated the account. There is no proof of an investigation. It also states the this is a charged off account which means it was paid off and the balance is XXXX. They can not longer hold me accountable for this account whether it is mine or not. They no longer even own the account. Not only did they charge it off and get paid for it by the government, they also sold it without my permission to make a second profit without my permission to XXXX credit who does not hold a contract with me and unless they do I can not be held liable for this debt. By keeping it on my Credit report Equifax and XXXX are committing Fraud. They are by association guilty as XXXXXXXX XXXX for selling the loan and charging it of which is stated on the credit report.
08/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AR
  • 72401
Web Servicemember
I, XXXX XXXX, a NATURAL PERSON and Consumer rights have been violated by Equifax. Equifax has violate 15 USC 1681a ( 3 ), 15 USC 1681a ( 4 ), 15 USC 1681b, and 15 USC 1681b ( 2 ). 15 USC 1681a : ( 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. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 USC 1681b : ( 2 ) Disclosure to consumer ( A ) In generalExcept as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar meansIf a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. You assumed this role and you never had my CONSENT and you were unfair, partial, and respect my right to privacy. I want the accounts removed from my CONSUMER reports : Account Name and Number XXXX XXXX XXXX XXXX, Account Name and Number xxxxxxxxxxxx XXXX, Account Name and Number XXXX XXXX XXXX XXXX XXXX XXXX, Account Name and Number XXXX xxxxxxxxxxxx XXXX, Account Name and Number XXXX XXXX XXXX XXXX, Account Name and Number XXXX XXXX XXXX XXXX XXXX XXXX, Account Name and Number XXXX XXXX XXXX XXXX XXXX XXXX, Account Name and Number XXXX XXXX XXXX XXXX XXXX XXXX, Account Name and Number XXXX XXXX XXXX XXXX XXXX XXXX, Account Name and Number XXXX XXXX XXXX xxxxxx XXXX, Account Name and Number XXXX XXXX XXXX # # # # # XXXX, Account Name and Number XXXX XXXX XXXX, XXXX XXXX XXXX, Account Name and Number XXXX XXXX XXXX, XXXX XXXX XXXX, Account Name and Number XXXX XXXX XXXX XXXX, Account Name and Number XXXX XXXX XXXX XXXX XXXX, Account Name and Number XXXX XXXX XXXX XXXX XXXX, Account Name and Number XXXX XXXX XXXX XXXX XXXX. I want this address XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX removed.
08/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 45241
Web
Below are a list of companies that reported past late payments or charge off accounts that were inaccurate. I submitted two rounds of letters to XXXX, Equifax, and XXXX explaining the reporting error. Both times their investigation yielded a verified payment history from a third party source ie XXXX, XXXX XXXX, XXXX, XXXX, and XXXX. After my first letter, and realizing that they are just copying information from these data companies and not contacting the original creditors as I did, I elected to opt out of all minor reporting agencies. My hope was to force them to do a legitimate investigation to validate my dispute. To my surprise, after I had received verification that my file was opted out of third party data collection, My second letters I sent out showed that very same thing. They claimed that they verified the information with the SAME third party companies. The accounts are as follows : XXXX XXXX acct # XXXX Opened XX/XX/XXXX Status Closed- Potential late payment Dept of Education/XXXX Balance {$5100.00} Acct # XXXX Opened XX/XX/XXXX Status : Current ; 180 days or more past due XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Status : Included in OR discharged through bankruptcy XXXX XXXX, OR XXXX also states " 1 potentially negative month XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Status : " POTENTIALLY 10 negative months. '' Also states " legally paid in full for less than the full balance. '' XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance {$14000.00} 8 late payments- This is not my account. I did not attend school or apply for financial aid in this year. XXXX XXXX Bank XXXX Opened XX/XX/XXXX Balance {$1000.00} Status Charge off XXXX XXXX XXXX Acct # XXXX Balace {$6700.00} Status : Charge off XXXX XXXX XXXX Acct # XXXX Secured amt. {$500.00} Status : Debt included in bankruptcy XXXX XXXX OR XXXX This was a secured debt and not eligible for bankruptcy XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance {$7000.00} XXXX XXXX XXXX Balance {$22000.00} Opened XX/XX/XXXX Status : Charge off XXXX Shows up five times even though it was consolidated into one payment. I was never late on student loans. I did use deferment while in school, and forbearance in tuff times, but NEVER late. The four XXXX listings all share the same acct # ( ie consolidated ) but different amounts. So when they reported 2 late payments in error, it showed up as 10 late payments. Acct # XXXX ( all 5 are the same ) 1. opened XX/XX/XXXX Bal. {$9500.00} Status : Current; was 90 days past due-2 late payments 2. opened XX/XX/XXXX XXXX. {$12000.00} Status : Current; was 90 days past due- 2 late payments 3. opened XX/XX/XXXX XXXX. {$11000.00} Status : Current; was 90 days past due- 2 late payments 4. opened XX/XX/XXXX XXXX. {$7100.00} Status : Current ; was 90 days past due-2 late payments 5. opened XX/XX/XXXX Bal. {$2700.00} Status : Current ; was 90 days past due-2 late payments XXXX XXXX XXXX Acct # XXXX opened XX/XX/XXXX Status : included in bankruptcy XXXX XXXX OR XXXX-This is not my account XXXX Acct # XXXX Bal {$1200.00} opened XX/XX/XXXX Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department-This is not my account XXXX XXXXXXXX XXXX Acct # XXXX Bal. {$1100.00} Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department- This is not my account XXXX XXXX Acct # XXXX Bal. {$1800.00} Acct XXXXype : Debt Buyer Status : Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department
08/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NC
  • 28348
Web
I have negative items that should not be there and I contacted the bureaus and creditors to verify these negative items and I have not received any notification. They are suppose to investigate these mistakes which are effecting my credit report within 30 days. XXXX Account Name : XXXX XXXX Unverified account Account Name : XXXX XXXX XXXX They have this on my report twice Unverified account Account Name : XXXX XXXX XXXX Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Reason : Unverified account Account Name : XXXX XXXX XXXX XXXX late payment Account Name : XXXX XXXX The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. XXXX Account Name : CXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Reason : Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Reason : Unverified account Account Name : XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Reason : Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) Reason : Unverified account Account Name : XXXX XXXX XXXX XXXX Unverified account Account Name : XXXX XXXX Unverified account Account Name : XXXX XXXX XXXX Unverified account Account Name : XXXX XXXX XXXX Unverified account Account Name : XXXX XXXX XXXX Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time. Account Name : XXXX XXXX XXXX NA Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. Account Name : XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time. Account Name : XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX were all on time. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time. EQUIFAX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Reason : Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Reason : Unverified account Account Name : XXXX XXXX Unverified account Account Name : XXXX XXXX XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX account Account Name : XXXX XXXX XXXX Unverified account Account Name : XXXX XXXX XXXX Unverified account ccount Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time. Account Name : XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time.
08/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • SC
  • 29483
Web
I just received my investigation results. Complaint # XXXX and saw some accounts were verified. However, I have a few questions : how did you complete your investigation? Did you talk to my neighbors, friends, or family? If so, please inform me of the person who completed the investigation. The Credit Bureaus stated that my account was properly investigated but how is that possible when the high balance is inaccurate, date of last activity is inaccurate, last payment is inaccurate, last verified is inaccurate, close date is inaccurate, and date reported is inaccurate. This is grounds for removal. One more thing, I was reading the FCRA and noticed you VIOLATED these laws as well : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 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 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 15 USC 1681i. ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I, XXXX XXXX XXXX, consumer, and natural person, am aware of all of the rights I have, and which are protected by the Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1. Account Name : XXXX Account Number : XXXX 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 1681n ( a ) ( 1 ) 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} 2. Account Name : XXXX XXXX Account Number : XXXX 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 1681n ( a ) ( 1 ) 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}
06/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 21060
Web
This is my second FCPB complaint about XXXX. The first was about the fact that they were reporting late payments not according to CARES Act. This report is about how they are reporting. I am including Equifax in this complaint because the dispute was closed. They accepted XXXX certification as accurate without reviewing at even a high level. They should have noticed that the past due amount was less than the required monthly payment amount for several months reported as 30-60 days late. My monthly payment is {$470.00} a month. According to guidelines a payment can not not be reported until 30 days past due. Based on this, any past due less than my normal payment amount should not be reported. Payment amounts two times my regular payment amount ( {$950.00} ) 30-60 days late. Three times my monthly payment ( {$1400.00} ). I submitted a dispute to Equifax XX/XX/XXXX. XXXX sent back the following findings and certified them as accurate XX/XX/XXXX - past due $ XXXX reported 30-59 days late.Should not be reported. XXXX XXXX past due $ XXXX reported 30-59 days late.should not be reported XXXX XXXX past due $ XXXX reported 60-89 days late.should be reported XXXX XXXX XXXX past due $ XXXX reported 30-59 lateshould not be reported XXXX XXXX past due $ XXXX reported 90-119 days lateshould be reported as 60-59 days XXXX XXXX past due $ XXXX reported 90-119 days lateshould be reported as XXXX Further, XXXX is reporting my last payment dates incorrectly. The following is what XXXX reported as of the last day of each month in comparison to what my payment record states. XX/XX/XXXX - XXXX reported last payment received XXXX Payment record shows last payment was XX/XX/XXXX XX/XX/XXXX - XXXX reported last payment received XXXX Payment record shows last payment was XX/XX/XXXX XX/XX/XXXX - XXXX reported last payment received XXXX Payment record shows last payment was XX/XX/XXXX XX/XX/XXXX - XXXX reported last payment received XXXX Payment record shows last payment was XX/XX/XXXX XX/XX/XXXX - XXXX reported last payment received XXXX Payment record shows last payment was XX/XX/XXXX XX/XX/XXXX - XXXX reported last payment received XXXXPayment record shows last payment was XX/XX/XXXX This is continued throughout the life of my loan. It appears as if XXXX may be calculating my late days based on the last day of the reporting month but only applying payments as of the first of the same reporting month. XXXX should not be allowed to calculate my late status as of XX/XX/XXXX but apply payments as of XX/XX/XXXX. XXXX not only reported unfair latenesses to the CRAs. The information they are reporting is also inaccurate and/or not in accordance with regulations. I am asking that not only does XXXX review my entire tradeline for inaccuracies and correct these inaccuraciesbut that the FCPB investigate/audit their credit reporting actions overall. Reviewing the CFPB complaints, the XXXX complaints, reviews on their own social media, lawsuits brought against them concerning their credit reportingit is apparent they are consistently not following the regulations as outlined by the law and/or the CFPB. Accurate credit reporting is imperative during these unpredictable times. It has a significant impact on quality of life for its consumers. I have attached the tradeline report submitted to Equifax by XXXX after closing my dispute. This information was certified as accurateby XXXXas of XX/XX/XXXX. My complete payment history is also attached. This was pulled directly from XXXX customer portal. There are several inconsistencies.
08/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 02169
Web
They have claimed they did a proper investigation regarding these accounts below by going to the original furnishers of the information. If that is so why is the information still inaccurate? These investigations are getting ridiculous because every single time their is a alleged investigation done the new information you update is still inaccurate. If you did a proper investigation why is the information still inaccurate and why do you have to keep updating these accounts? If you can't verify the accounts properly I want them removed and they have to be removed by law. This is causing XXXX XXXX distress on my end considering my credit keeps going up and down due to these errors. Im trying to make purchases and I can't. Im trying to move on with my life but I can't. Again remove these accounts if you can't verify them properly by furnishing the correct information. They are clearly not conducting a proper investigation. I have also attached documents below comparing the accounts to the other credit bureaus so again they did the proper investigation but why are you reporting different information that is inaccurate? REMOVE THE ACCOUNTS. The accounts are below : : STUDENT LOAN ACCOUNTS : US DEPT OF ED # XXXX US DEPT OF ED # XXXX US DEPT OF ED # XXXX US DEPT OF ED # XXXX XXXX/DEPT OF ED # XXXX XXXX/DEPT OF ED # XXXX XXXX/DEPT OF XXXX # XXXX XXXX/DEPT OF ED # XXXX XXXX XXXX XXXX These accounts have also been duplicated. The XXXX STUDENT LOANS are duplicates of the US DEPT OF ED LOANS which is a violation. If you compare the accounts with XXXX to the US DEPT OF ED accounts you can clearly tell by the information there the same accounts. You can not have 2 duplicate accounts reporting that are the same on a credit report which is also grounds for removal. More rights they violated below : 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They did not investigate properly and they openly admitted it. They have violated my rights again. Below are also my rights that have been violated. 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 : States a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. They didn't verify the information while doing a proper investigation according to the fair credit reporting act. Which again they have openly admitted by still furnishing inaccurate information. I want these accounts removed. They can not verify these accounts while following the fair credit reporting act. The information even when VERIFIED IS STILL INACCURATE but they claim they did a proper investigation. Documentation is attached to complaint.
07/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 08854
Web
XXXX _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( 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 2 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( 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 3 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX and # XXXX ( XXXX ) XXXX has XXXX 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 4 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX 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 5 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX XXXX XXXX XXXX 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 6 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX 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 7 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( 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 8 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX 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 9 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( 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 10 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX 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 11 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX 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
05/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AZ
  • 85286
Web
3 months ago I obtained my consumer credit report and after reviewing I saw many erroneous things on accounts being furnished making my report not 100 % complete and accurate as the FCRA says all reports to be. XXXX XXXX XXXX I sent certified letters to each furnisher reporting on my report telling them I have been effected by the XXXX my health suffered and considered a long hauler of XXXX its effected work, and life and I showed them the inaccuracies on report and requesting there be thorough investigation on all accounts I listed. And then 45 days later I sent certfied mail to XXXX listing all errors and innacuracies that were being reported by furnishers and I requested investigation on the obvious errors. And 2 weeks letter I recieved back from the furnishers that everything was accurate. And then a week after the credit reporting agency sent notice that there were no changes and all accounts even though obvious errors were accurate. So I wrote another certified letter to credit reporting agency requesting reinvestigation and showing all the inaacuracies being reported. 3 weeks later I recieved a letter back from credit reporting agency stating no changes to the accounts. I read FCRA 15 US CODE 1681 ( s ) ( 2 ) 15 US CODE 1681 ( 7 ) ( E ) and I see that the Laws are there to help me and with the help of the CFPB I can be taken serious and get my report showing 100 % accuracy and erroneous free. Here are the accounts with errors and why they should be fixed or deleted. XXXX # XXXX ON XX/XX/2022 -30 DAY LATE REMOVE LATE PER CORONOVIRUS CARES ACT. XXXX XXXX # XXXX FURNISHER CHARGED OFF WRITTEN OFF DEBT AND IRS STATES THAT IF OVER {$600.00} THERE SHOULD BE 1099 C ISSUED GIVEN IT IS GROSS INCOME AND THERE INCOME SHOULDNT BE ON MY REPORTED ANDTERMINATION OF COLLECTION AND THEY NEVER ISSUED ME 1099 C SO ITS THERE PROFIT THATS FALSE MISLEADING ON MY REPORT DELETE THIS ACCOUNT. XXXX # XXXX FURNISHER CHARGED WRITTEN OFF THIS DEBT AND IRS STATES OVER {$600.00} 1099 C GIVEN DUE TO BEING GROSS INCOME BUT THEY NEVER SENT ME 1099 C SO THIS IS FURNISHERS INCOME ON MY CREDIT REPORT THATS FALSE AND MISLEADING DELETE ACCOUNT. XXXX XXXX # XXXX FURNISHER CHARGED OFF WRITTEN OFF THIS DEBT AND IRS STATES OVER {$600.00} BECOMES GROSS INCOME AND A 1099C GIVEN AND BECAUSE NO 1099 C GIVEN TO ME THIS IS THE FURNISHERS GROSS INCOME AND IT SHOULD NOT BE ON MY CREDIT REPORT PER THE IRS DELETE THIS ACCOUNT. XXXX XXXX XXXX # XXXX REMOVE ALL LATE PAYMENTS PER CORONOVIRUS CARES ACT. XXXX XXXX XXXX # XXXX THE FURNISHER CHARGED OFF WRITTEN OFF DEBT AND IRS SAYS IF OVER {$600.00} ITS CONSIDERED GROSS INCOME AND 1099 C GIVEN AND THE FURNISHER NEVER GAVE ME A 1099 C SO THIS THERE GROSS INCOME BEING LISTED ON MY CREDIT REPORT WHICH IS FALSE AND MISLEADING AND ERRONEOUS DELETE THIS ACCOUNT. XXXX XXXXXXXX # XXXX THIS 3RD PARTY DEBT COLLECTER I NEVER HAD CONTRACT WITH IS VIOLATING ME UNDER 15 USC 1692 A-E. HIPPA RESTRICTS THEM FROM HAVING KNOWLEDGE OF ANY OF MY HEALTH CONCERNS THERE VIOLATING MY PRIVACY THEY KNOW ABOUT MY SPECIFIC HEALTH ISSUES YET THEY ARE NOT HEALTH CARE PROVIDERS AND SHOULDNT KNOW THIS OR HAVE ANY ACCESS TO IT DELETE THIS ACCOUNT. XXXX XXXX XXXX # XXXX THIS 3RD PARTY DEBT COLLECTER I NEVER HAD CONTRACT WITH IS VIOLATING ME UNDER 15 USC 1692 A-E. HIPPA RESTRICTS THEM FROM HAVING KNOWLEDGE OF ANY OF MY HEALTH CONCERNS THERE VIOLATING MY PRIVACY THEY KNOW ABOUT MY SPECIFIC HEALTH ISSUES YET THEY ARE NOT HEALTH CARE PROVIDERS AND SHOULDNT KNOW THIS OR HAVE ANY ACCESS TO IT DELETE THIS ACCOUNT.
06/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AZ
  • 85364
Web Servicemember
In XXXX, I was denied credit based off incorrect reported information contained in my credit report. In XX/XX/XXXX, I sent a certified letter requesting my credit reports to be completely investigated and to promptly delete all inaccurate information. In accordance with the Fair Credit Reporting Act ( FCRA ) the consumer reporting agency are required by law to provided the consumer 1. The original contract 2. Pay off disclosure 3. Interest Disclosure 4. Balance History 5. Payment History 6. Credit Insurance and who conducted the investigation. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. The Consumer Reporting Agencies reported all information as verified accurate without completing the investigative process IAW with the law. FCRA 15 USC states the consumer report must be 100 % accurate if it is not remove each item from the report. The following have violated my rights under the following : 15 USC 1681 section 602 ( A ) States I have the right to privacy. 15 USC 1681 section 604 Section 2 states a Consumer Reporting Agency can not furnish a account without written instructions directly from me. 15 USC 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. Accounts : XXXX. Account number XXXXXXXX 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 XXXXXXXX Account status Closed Date opened XX/XX/XXXX Account type Installment account Payment summary : Reported XXXX and Jul 30 days late after account closed, however did not report complete payment history XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone number ( XXXX ) XXXX XXXX. Account # XXXX reporting after closed date. Failed to report XXXX XXXX XXXX XXXX Co XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX Account has XXXX under XXXX account number with different open dates XXXX. Account # XXXX XXXX XXXX XXXX XXXX payments reported on account XXXX. XXXX XXXX XXXX XXXX Account # XXXX Reporting of Late Payments XXXX XXXX, XXXX, XXXX XXXX XXXX Did not report payments XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. Status Paid or paying as agreed Status date XX/XX/XXXX Past due amount {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX XXXX. XXXX XXXX Account status Open Date opened XX/XX/XXXX Paid or paying as agreed Status date XX/XX/XXXX Past due amount {$0.00} Payment summary Failed to Report : XXXX XXXX, XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX
07/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30046
Web Servicemember
In accordance with the Fair Credit Reporting Act : Account Name : XXXX & XXXX, Account Number : XXXX has violated my rights ; I, XXXX XXXX, as a consumer, living man and one of the People mentioned in the Constitution for the United States of America, am aware of all my reserved rights, protected by the Constitution for the United States of America, all state constitutions, and by Congress under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S. Code 1681a ( b ), the term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Pursuant to FCRA/15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), 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. Pursuant to FCRA/15 U.S. Code 1681s2 ( a ) ( 1 ) ( B ), A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Pursuant to FCRA Section 602 ( a ) /15 USC 1681 states that I have a right to privacy. Pursuant to FCRA Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) Section 804/15 U.S. Code 1692b, any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; and ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The FDCPA Section 803 ( 6 ) /15 U.S. Code 1692a defined debt collector/person, I do not give permission for any credit reporting agency nor have given written instruction for XXXX & XXXX and any associated accounts to furnish any alleged debt on my consumer reports, especially one that is hearsay evidence, negative, adverse, and discriminatory, nor any of my personal information disclosed or my alleged involvement with the alleged debt by another person ( Progressive ). XXXX XXXX XXXX and all credit reporting agencies must adhere to my consumers right to privacy. Per 15 USC 1681a ( e ), The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. All credit reporting agencies are mandated by federal law to verify consumer information by issuing an investigative consumer report that adheres to 15 USC 1681a ( e ).
07/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • GA
  • 30813
Web
r : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 13. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 16. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 17. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 18. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 19. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 20. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 21. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 22. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 23. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 24. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 25. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 26. The inquiry was not authorized XXXX FIN Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 27. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 29. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. . Validate Account XXXX Account Number : XXXX Please remove it from my credit report. . Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 34. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 35. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report
09/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 76247
Web
This complaint is regarding a collection item on my credit report with all 3 credit bureaus for XXXX XXXX XXXX XXXX XXXX, Acct # XXXX. I have sent letters for debt verification on multiple occasions for the company to provide proof that the debt that they are reporting is mine due to me not ever requesting, applying for, or using the credit card that the collection agency is reporting as my debt. I have also sent letters to the 3 credit bureaus, requesting the removal of this account from my credit report. The first letter that I sent was dated XX/XX/XXXX, and was sent directly to XXXX XXXX XXXX ( XXXX ) explaining that the debt being reported was not mine. The letter was received by XXXX on XX/XX/XXXX. In the letter, I requested for XXXX XXXX XXXX to provide the following : " 1 ) An explanation of what this alleged account balance is for. 2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 3 ) Documentation that shows I agreed to pay this debt. 4 ) The Agreement that grants you authority to collect on this alleged debt. 5 ) A copy of your state license, including license number. '' On XX/XX/XXXX, I received the first response from XXXX XXXX XXXX stating that they received my written dispute for the account and " to properly investigate this dispute may take more than 30 days, as only 30 days is seldom a sufficient amount of time for such research and investigation. '' The next response that I received from XXXX XXXX XXXX was received on XX/XX/XXXX which said " Enclosed, please find copies of the information you requested in your communication dated XX/XX/XXXX. '' Enclosed with the response was what appears to be a single bill from XX/XX/XXXX that was sent to an address that I have never lived at. This address also does not show as an address that I have lived at on any of my credit reports with the 3 credit bureaus. XXXX XXXX XXXX did not provide any of the 5 items that I requested on the letter that I sent to them dated XX/XX/XXXX and refused to remove this account from my credit report. On XX/XX/XXXX, I sent letters to the 3 credit bureaus explaining that I had disputed the account information being reported by XXXX as being inaccurate. However, the XXXX account has not been removed from my credit report. It is clear that a thorough investigation was not conducted by any of the credit bureaus, as based off of the information I had been provided regarding the account and the proof that I received that the debt was mine, a thorough investigation would have shown that the company does not have, has not provided and can not provide sufficient proof that the debt that they are reporting is mine. I received a letter dated XX/XX/XXXX from XXXX stating that they received my written dispute for the account and " to properly investigate this dispute may take more than 30 days, as only 30 days is seldom a sufficient amount of time for such research and investigation. ". As of the date of this dispute XX/XX/XXXX, no response has been received from XXXX. There is nothing that has been provided to me or to the credit bureaus that has provided sufficient evidence that the debt being report by XXXX on Acct # XXXX, is a legitime debt that belongs to me. I request that this account be removed immediately from my credit reports with Equifax, XXXX and XXXX. Thank you and I look forward to a satisfactory resolution to this issue.
08/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33442
Web
According to law 15 U.S. Code 1681i - Procedure in case of disputed accuracy- ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance to 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 : also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 states : If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( 1 ) provide oral, written, or electronic notice of the adverse action to the consumer ; ( 2 ) provide to the consumer written or electronic disclosure. I did not give these companies written permission to furnish anything on my credit report. Therefore I want these accounts deleted and removed from my credit report or consumer report immediately or I will take action and sue these companies up to {$1000.00} every violation that's reporting on my report.
05/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30038
Web
I am writing this notice in reference to the initial dispute I filed about unauthorized items on my consumer credit report being identity theft. EQUIFAX removed 2 out of the 3 fraudulent accounts from my report. According to the definition of " investigative consumer report '' [ 15 USC 1681a ( e ) ], It is unlawful to include specific factual information on a consumers credit record obtained directly from a creditor or furnisher of the consumer. So investigating this fraudulent information with the creditor that furnished it in the first place is invalid. As a reminder, all consumer reporting agencies have to comply with the Fair Credit Reporting Act ( FCRA ) in its entirety. You are also required to provide fair, accurate & equitable reporting with respect for the consumers right to privacy. To reiterate, I am a victim of identity theft. The item I disputed has not been removed as requested and in compliance with the FCRA. I submitted the initial dispute with the following documents : Federal Trade Commission report, identity theft affidavit ( notarized ), proof of identity and a bill of particulars. In accordance with 15 USC 1681c-2, this item were supposed to be removed within four ( 4 ) days of receipt of notice like the other 2 times EQUIFAX removed XXXX However, your company did not remove this fraudulent item from my consumer credit report which is causing me to experience adverse action when trying to acquire shelter, transportation and credit. To be clear, this dispute was NOT made in error, this dispute is NOT based on material misrepresentation of facts, and I did not obtain possession of goods or services as a result of any blocked transaction. This is NOT a frivolous claim, as I am the protected consumer initiating this dispute. This item is causing defamation to my character and harm to my mode of living. I made it clear that this unauthorized item us a result of identity theft. You have not provided me with your method of validating this item or any documentary evidence to prove this item belong to me as I requested over 30 days ago. E-Oscar is NOT a proper means of investigation. Your company will be held liable under the willful non-compliance section of the FCRA ( 15 USC 1681n ) if you do not remove this item indefinitely from my report. You will also be liable for any adverse action I experienced due to the furnishing of these inaccurate items. The evidence of adverse action has been attached to this notice. XXXX conducted a proper investigation and removed these all 3 of the items from my consumer credit report in their system in accordance with the FRCA. You are required to do the same. 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. Please correct this error and remove this item in good faith or I will proceed with legal matters. All information has been forwarded to the State 's Attorney General, the Better Business Bureau, the Consumer Financial Protection Bureau, the Federal Trade Commission, and the registered agent, CEO and CFO of your company. Please notify me in writing of a settlement offer to resolve this error as well as written notification that the item has been deleted within four ( 4 ) days of receiving this notice to avoid any further violations. Thank you in advance for your cooperation.
05/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30038
Web
I am writing this notice in reference to the initial dispute I filed about unauthorized items on my consumer credit report being identity theft. EQUIFAX removed 2 out of the 3 fraudulent accounts from my report. According to the definition of " investigative consumer report '' [ 15 USC 1681a ( e ) ], It is unlawful to include specific factual information on a consumers credit record obtained directly from a creditor or furnisher of the consumer. So investigating this fraudulent information with the creditor that furnished it in the first place is invalid. As a reminder, all consumer reporting agencies have to comply with the Fair Credit Reporting Act ( FCRA ) in its entirety. You are also required to provide fair, accurate & equitable reporting with respect for the consumers right to privacy. To reiterate, I am a victim of identity theft. The item I disputed has not been removed as requested and in compliance with the FCRA. I submitted the initial dispute with the following documents : Federal Trade Commission report, identity theft affidavit ( notarized ), proof of identity and a bill of particulars. In accordance with 15 USC 1681c-2, this item were supposed to be removed within four ( 4 ) days of receipt of notice like the other 2 times EQUIFAX removed . However, your company did not remove this fraudulent item from my consumer credit report which is causing me to experience adverse action when trying to acquire shelter, transportation and credit. To be clear, this dispute was NOT made in error, this dispute is NOT based on material misrepresentation of facts, and I did not obtain possession of goods or services as a result of any blocked transaction. This is NOT a frivolous claim, as I am the protected consumer initiating this dispute. This item is causing defamation to my character and harm to my mode of living. I made it clear that this unauthorized item us a result of identity theft. You have not provided me with your method of validating this item or any documentary evidence to prove this item belong to me as I requested over 30 days ago. E-Oscar is NOT a proper means of investigation. Your company will be held liable under the willful non-compliance section of the FCRA ( 15 USC 1681n ) if you do not remove this item indefinitely from my report. You will also be liable for any adverse action I experienced due to the furnishing of these inaccurate items. The evidence of adverse action has been attached to this notice. XXXX conducted a proper investigation and removed these all 3 of the items from my consumer credit report in their system in accordance with the FRCA. You are required to do the same. 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. Please correct this error and remove this item in good faith or I will proceed with legal matters. All information has been forwarded to the State 's Attorney General, the XXXX XXXX XXXX, the Consumer Financial Protection Bureau, the Federal Trade Commission, and the registered agent, CEO and CFO of your company. Please notify me in writing of a settlement offer to resolve this error as well as written notification that the item has been deleted within four ( 4 ) days of receiving this notice to avoid any further violations. Thank you in advance for your cooperation.
08/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 75230
Web
I sent a dispute to XXXX XXXX XXXX XXXX regarding an account with late payments. XXXX XXXX XXXX XXXX has violated my rights by reporting data that is in violation of the FCRA. According to the FCRA In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX account ending in XXXX, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Account name XXXX XXXX XXXX XXXX Account number XXXX .... Recent balance {$4300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Address identification number Not available Type Credit card Terms NA Credit limit or original amount {$4500.00} High balance {$4800.00} Monthly payment {$87.00} Recent payment amount {$160.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. Account history XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment history guide 30 days past due as of XX/XX/XXXX, XX/XX/XXXX Balance history The following data will appear in the following format : Date : account balance / date payment received / scheduled payment amount / actual amount paid XX/XX/XXXX : {$4100.00} / XX/XX/XXXX / {$85.00} / {$0.00} XX/XX/XXXX : {$4200.00} / XX/XX/XXXX / {$84.00} / No data XXXX XXXX : {$4100.00} / XX/XX/XXXX / {$95.00} / {$600.00} XX/XX/XXXX : {$4700.00} / XX/XX/XXXX / {$83.00} / {$100.00} XX/XX/XXXX : {$4100.00} / XX/XX/XXXX / {$91.00} / {$180.00} XX/XX/XXXX : {$4500.00} / XX/XX/XXXX / {$89.00} / {$87.00} XX/XX/XXXX : {$4300.00} / XX/XX/XXXX / {$90.00} / {$200.00} XX/XX/XXXX : {$4400.00} / XX/XX/XXXX / {$88.00} / {$250.00} XX/XX/XXXX : {$4400.00} / XX/XX/XXXX / {$88.00} / {$150.00} XX/XX/XXXX : {$4700.00} / XX/XX/XXXX / {$90.00} / {$100.00} XX/XX/XXXX : {$4400.00} / XX/XX/XXXX / {$90.00} / {$450.00} XX/XX/XXXX : {$4400.00} / XXXX XXXX, XXXX / {$92.00} / {$150.00} XXXX XXXX : {$4500.00} / XXXX XXXX, XXXX / {$88.00} / {$1000.00} XX/XX/XXXX : {$4300.00} / XX/XX/XXXX / {$90.00} / {$180.00} XX/XX/XXXX : {$4400.00} / XX/XX/XXXX / {$90.00} / No data XX/XX/XXXX : {$4400.00} / XX/XX/XXXX / {$62.00} / {$100.00} XX/XX/XXXX : {$3000.00} / XX/XX/XXXX / {$73.00} / {$270.00} XX/XX/XXXX : {$4500.00} / XX/XX/XXXX / {$84.00} / No data XX/XX/XXXX : {$4500.00} / XX/XX/XXXX / {$73.00} / {$73.00} XX/XX/XXXX : {$4000.00} / XX/XX/XXXX / {$0.00} / No data XX/XX/XXXX : {$0.00} / XX/XX/XXXX / {$0.00} / {$1500.00} Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$4500.00} Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$1500.00}
08/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 75401
Web
Not only is this my second time sending this because there were no results. But also 15 USC 1681d Subsection ( b ) - Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. I did not receive any communication from either of the Credit Bureaus. XX/XX/XXXX To Whom It May Concern : I am extremely disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish and insist that you comply with the law by providing the requested information within the 30 days allowed. As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report. My friend at XXXX XXXX XXXX XXXX. mentioned to me the following laws have you heard of them? In accordance and pursuant to the Federal Credit Reporting Act 15 USC 1692c Unless by written permission of the consumer the debt collector may not communicate 15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without my written consent/permissible permission. XXXX, Equifax, and XXXX have violated FCRA rights by furnishing the following accounts on my consumer report with errors. It has cost me the inability to obtain decent transportation and housing for my family. I DEMAND THEY BE REMOVED OR I WILL FILE CLAIM IN SMALL CLAIMS COURT!!!!! XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX Equifax XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Banks and XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Sales Financing Company XX/XX/XXXX XXXX XXXX Credit card and travel / entertainment companies XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX All Banks - non specific XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX All Banks XXXX non specific XX/XX/XXXX XXXX XXXX National Credit Card Cos. XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXXXX All Banks XXXX non specific XX/XX/XXXX XXXX XXXX XXXX XXXX Automotive Supplies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX Equifax XXXX XXXX Banks and XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Automobile Dealers, New XX/XX/XXXX Equifax XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Credit card and travel / entertainment companies XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX All Rights Reserved Without Prejudice, XXXX XXXX Cc XXXX CFPB Attn : XXXX XXXX Assistant Director of Enforcement Federal Trade Commissions Attorney Generals Office State Senate XXXX XXXX XXXX , PLLC Texas Small Claims Court Jurisdiction 1 Texas Comptroller Federal Reserve System FDIC
08/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CT
  • 06447
Web
XXXX as should be clear by now has 1 set of rules for all borrowers regardless of individual Promissory Note terms and conditions. This is by their own admission. On XX/XX/XXXX XXXX confirmed to me via email inquiry that they are amortizing my 2 Notes on a 180 month and 179 month repayment term in complete disregard for for the plain language of my XXXX. XXXX wrote to me and stated, at my 2nd request to confirm, " I am confirming, the original terms for your loan ending XXXX has 180 months of repayment in total and the original terms for your loan ending XXXX has 179 months of repayment total ''. My 2nd request for which these quotes were in response to were to have them confirm they were not conflating the remaining months but the original terms. My Promissory Notes for each loan clearly and plainly state in a section labeled " Repayment Period '' - The 'Repayment Period ' will being on the day after the Interim Period ends and will continue up to 300 months ''. So, by XXXX own admission they are fraudulently amortizing my loans off a 15 year repayment term vs my XXXX stated 25 year term. This has also now negatively placed credit harm on the cosigner they also refuse to release in accordance with my Promissory Note. A previous CFPB complaint addressed this, for which they still have not corrected their contract breach. As to their validity, in a letter dated XX/XX/XXXX their representative wrote " the Promissory Note [ s ] do not list the specific requirements associated with the cosigner release process. This is because the qualifications may change '' ... '' The requirements are valid as of the date of this response and are subject to change at any time without notice ''. The same Navient representative on a letter dated XX/XX/XXXX stated " Under the cosigner release requirements outlined in XXXX Promissory Note '' ( so they state no such requirements exist then state they do, but this is because they finally read my Notes and realized- but again, 1 set of rules regardless of individual borrower Notes ). To add to their lack of credibility that representative who stated requirements can change without Notice, my Notes state " The Note may be modified *only* if you ( XXXX ) put the modification in writing and the modification is agreed to by any borrower or cosigner '' - so, not at anytime and not without notice ... ..but, 1 set of rules regardless of an individuals Note. This level of fraud is on par with the fact they have also placed my loans into forbearance twice without my knowledge or permission resulting in fraudulent accrued interest. They have stated I requested these forbearance 's " verbally '' - which as usual ... is a complete fabrication. Those forbearance 's were fraudulently placed on my loans in XXXX and XXXX. I'm sure it is only a coincidence their executive at the time XXXX XXXX 's XXXX memo stating " Our battle cry remains, 'forbear them, forbear them, make them relinquish the ball ''. I tried to control the " ball '' by paying in accordance with the terms of my Note but their " battle cry '' won out when they do not follow individual Promissory Notes that do not conform to their rules that apparently can change without Notice, even if a Note states otherwise. I am accustomed to the response XXXX will give to this complaint, but these actions need to be searchable for others they are breaching their Notes and amortizing on fraudulent terms.
05/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • GA
  • 30022
Web
On XX/XX/2022 I filed a complaint on XXXX, citing I received a letter from XXXX stating they do not have a Public Record on file for myself. So I contacted Equifax, XXXX and XXXX to informed them via certified mail of the letter I received from XXXX. The bureaus are telling me I need to contact XXXX, however XXXX is telling me they have not reporterd this information to the bureaus and it's up to the bureaus to correct my credit prifile. My credit profile states contact XXXX and it reads as listed below. Public Records Report Date : XX/XX/2022 This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, XXXX. They can be contacted at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Please be aware XXXX needs to take full responsibility for their actions, I'm taking legal action if this isn't resolve immediately!!!! 15USC1681 ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code ss 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 1681d ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless- ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that- ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. has violated my rights as a consumer and abusing their authority as a " DEROGATORY '' third-party LIAR!!!! I want this information removed IMMEDIATELY!
08/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30060
Web
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN XXXX XXXX XXXXXXXX Contact : XXXX XXXX XXXX Re : Disputing Inaccuracies on My Credit Report Equifax XXXX XXXX XXXX XXXX, GA XXXX Original Creditor : XXXX XXXX XXXX XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I've been contacted by your company about a debt you allege, I owe several times from a total of ( XXXX ) XXXX XXXX Collections Account with no Account Number. This Collection account is reporting not only as Open on all accounts, but also shows a past due balance of [ 1. {$720.00}, 2. {$720.00} ] [ 3. {$480.00}, 4. {$480.00} 5. {$480.00} ] [ 6. {$67.00}, 7. {$67.00}, 8. {$67.00} 9. {$67.00} 10. {$67.00} ] [ 11. {$60.00} ]. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( HIPAA ) authorization. Be advised, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( FDCPA '' ). At this time, I will also inform you that a HIPAA-covered entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security, or Breach Notification Rules. I do not recall giving permission to release my medical information to a third party. Please provide debt validation in the form of agreement, an original bill, and a detailed statement of procedures is required, if any. Please provide a breakdown of fees, including any collection costs and medical charges, if any. XXXX. Please provide a copy of my signature with the provider of service to release my medical information to you. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any. Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA, HIPAA. Sincerely, XXXX XXXX XXXX
08/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MN
  • 55123
Web
This is XXXX XXXX and I am submitting this complaint to you today to request that the Credit Bureaus remove the following items completely from my Credit report since the disputed items resulted due to identity theft. It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identiy theft. In pursuant of the FCRA section 605b I am in need of the removal of the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed XXXX {$1200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
08/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91202
Web
I'm filing this report because I was a victim of identity theft. I came to the US to the state California at the end of XXXX of XXXX as an XXXX. On XX/XX/XXXX, my social security was used in the state of Arizona inside of a XXXX XXXX XXXX to open a fraudulent account for an identity thief. The identity thief used my social security to open multiple accounts with XXXX XXXX. They opened a business checking account, a credit card account. I discovered about this issue in XXXX because I never knew that these accounts existed. Since then I've contacted XXXX XXXX and informed them that this is an identity theft case and I am not the holder of these accounts. I have never been to Arizona to open such an account and I did explain this to the XXXX XXXX representatives over the phone. They told me they will take care of the issue and resolve it. However, I recently started to check again and XXXX XXXX have not done anything. The accounts are still reporting. Therefore, I contacted them and informed them of the issue they keep telling me that I am responsible for the accounts. I informed them that these accounts were opened as a result of identity theft in the state of Arizona because I have never been to Arizona. So when I spoke with the representatives of the executive fraud team, I requested the original application that was used in the state of Arizona when opening these accounts. They had difficulties providing the document but they sent it to me and I will attach it in this report. The documents are Record of Application Information and Credit Card Application and Agreement. There is one thing that I did notice is that my signature was forged but not perfectly. I also informed the XXXX XXXX executive fraud team supervisor, however, XXXX XXXX refuses to cooperate and conduct the proper procedures to remove and purge these accounts. I have never associated with XXXX XXXX I informed them with that also. As a matter of fact, I never used a credit card in my entire life. Even now I do not use credit cards. They tried to investigate with me when they saw I my credit report that I had bought vehicles. I told them I buy my vehicle cash and leave 5 to 10 percent for payments so I can build a credit. My transactions are cash and nothing more. I only have a checking account with XXXX XXXX XXXXXXXX and that is my only account. Under the Bank Secrecy Act Section 1020.220 of financial crimes enforcement network paragraph ( a ) ( 2 ) ( i ) ( B ) and ( C ) the bank must follow the procedures of verifying the individual before opening any account for a consumer by verifying their name, date of birth, address of residency and check for a valid identification. At XX/XX/XXXX I did not have a valid identification in the State of California yet because I was new to the country and did not know the procedures yet. At that time, I barely had my social security. XXXX XXXX opened and became accomplice in an identity theft when they opened the account in Arizona. Plus, XXXX XXXX have a history of opening fraudulent accounts under consumer names illegally without their consent and authorization. So it is also a big possibility that XXXX XXXX bankers opened the accounts when their stock shares were diluting so they can prevent further collapse of their shares on XXXX XXXX.
06/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • OH
  • 43614
Web
On XX/XX/2022 I sent certified letters to investigate inaccurate and unknown information on my credit reports to XXXX, XXXX and Equifax. I requested for prompt response and clarification. ( Tracking # 's XXXX, XXXX and XXXX. ) In accordance to 15 U.S.C. 1681i ( A ), I did not receive my results within 30 days and was not notified of an extension. The credit bureaus states that my file was properly investigated but, how is that possible if the open date, date last active, account number, date last reported, date of last payment, high credit etc. is inaccurate. This is grounds for removal. They also violated my rights under the Fair Credit Reporting Act. 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 U.S.C. 1681. XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS! XXXX XXXX, ACCOUNT # XXXX has violated my rights. XXXX, ACCOUNT # XXXX has violated my rights. XXXX XXXX, ACCOUNT # XXXX AND # XXXX ( INACCURATE AMONGST REPORTING AGENCIES ) has violated my rights. XXXX XXXX XXXX, ACCOUNT # XXXX has violated my rights. XXXX, ACCOUNT # XXXX violated my rights. XXXX XXXX, ACCOUNT # XXXX has violated my rights. XXXX XXXX, ACCOUNT # XXXX has violated my rights. XXXX, ACCOUNT # XXXX has violated my rights. XXXX, ACCOUNT # XXXX has violated my rights. XXXX, ACCOUNT # XXXX has violated my rights. XXXX, ACCOUNT # XXXX has violated my rights. XXXX XXXX HIGHER XXXX, ACCOUNT # XXXX has violated my rights. EQUIFAX, XXXX AND XXXX DO NOT HAVE A NAME FOR ORIGINAL CREDITOR, ACCOUNT # XXXX! HAS VIOLATED MY RIGHTS. XXXX XXXX ( XXXX XXXX XXXX IN CO ), ACCOUNT # XXXX has violated my rights. XXXX XXXX XXXX, ACCOUNT # XXXX WAS DELETED BY XXXX AND NOT BY XXXX AND EQUIFAX and has violated my rights. XXXX XXXX XXXX, ACCOUNT # XXXX ( HAS NO ORIGINAL CREDITOR- AMONGST ALL BUREAUS ) VIOLATION OF MY RIGHTS. 15 U.S.C. 1681i section 611 ( a ) ( 2 ) ( A ). States In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. I received no notice. 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. 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.
08/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30328
Web
In accordance with the Fair Credit Reporting act and XXXX account # XXXX, Has violated my rights. 15 U.S.C 1681 602 A. States I have 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. In accordance with the Fair Credit Reporting act and XXXX account # XXXX, Has violated my rights. 15 U.S.C 1681 602 A. States I have 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. In accordance with the Fair Credit Reporting act and XXXX account # XXXX, Has violated my rights. 15 U.S.C 1681 602 A. States I have 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. In accordance with the Fair Credit Reporting act and XXXX account # XXXX, Has violated my rights. 15 U.S.C 1681 602 A. States I have 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. In accordance with the Fair Credit Reporting act and XXXX account # XXXX, Has violated my rights. 15 U.S.C 1681 602 A. States I have 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. In accordance with the Fair Credit Reporting act and XXXX account # XXXX, Has violated my rights. 15 U.S.C 1681 602 A. States I have 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. In accordance with the Fair Credit Reporting act and XXXX account # XXXX, Has violated my rights. 15 U.S.C 1681 602 A. States I have 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. In accordance with the Fair Credit Reporting act and XXXX account # XXXX, Has violated my rights. 15 U.S.C 1681 602 A. States I have 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. In accordance with the Fair Credit Reporting act and XXXX account # XXXX, Has violated my rights. 15 U.S.C 1681 602 A. States I have 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. In accordance with the Fair Credit Reporting act and XXXX account # XXXX, Has violated my rights. XXXX5 U.S.C 1681 602 A. States I have 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. In accordance with the Fair Credit Reporting act and XXXX account #, Has violated my rights. 15 U.S.C 1681 602 A. States I have 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.
05/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33193
Web
In accordance with the Fair credit reporting act. 1. XXXX XXXX XXXX. XXXX # XXXX has violated my rights. 2.XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 3.XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 4.XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 5.XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 6.XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 7.XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 8XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. INQUIRIES. XXXX XXXX XXXX XXXX XXXX XXXX. has violated my rights. 10.XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. has violated my rights. 11.XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. has violated my rights. 12.XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. has violated my rights. 13.XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. has violated my rights. 14.XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. has violated my rights. 15.XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. has violated my rights. 16. XXXX XXXX XX/XX/XXXX. has violated my rights. 17. XXXX XXXX XXXX XXXX XXXX XXXXXXXXhas violated my rights. 18. XXXX XXXX XXXX XX/XX/XXXX. has violated my rights. 19. XXXX XXXX XXXX XXXX has violated my rights. 20XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX. has violated my rights. 21. XXXXXXXX XXXX XXXXXX/XX/XXXX. has violated my rights. 22. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. has violated my rights. 23. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. has violated my rights. 24. XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. has violated my rights. 25. XXXX XXXX XXXX XX/XX/XXXX. has violated rights. 26.XXXX XXXX XXXXXXXX XX/XX/XXXX. has violated my rights. 27.XXXX XXXX XXXX XX/XX/XXXX. has violated my rights. 28.XXXX XXXX XXXXXXXX XX/XX/XXXX. has violated my rights. 29. XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX. has violated my rights. 30. XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. has violated my rights. 31XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. has violated my rights. 32. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. has violated my rights. 33. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 34. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 35. XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 36. XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX has violated my rights. 37. XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 38. XXXX XXXX XXXX XXXX has violated my rights. 39. XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 40. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 41. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX has violated rights. 42. XXXX XXXX XX/XX/XXXX has violated my rights. 43. XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX has violated my rights. 44. XXXXXXXX XXXX XXXX XX/XX/XXXX has violated my rights. 45. XXXX XXXX XXXXXXXXXXXX XXXX XX/XX/XXXX has violated my rights. 46. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX MN XXXX has violated my rights 47.XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX tx XXXX has violated my right s 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
09/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33905
Web
TO WHOM IT MAY CONCERN ; This letter is to formally inform you that I recently received a copy of my credit report that your company publishes. Upon review of my credit report, I found several items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the XXXX XXXX requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with XXXX XXXX and disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. NOTE : Please do not respond to my request by saying that these accounts have been verified because I have never been sent proof of such. Instead, send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness, and I will seek damages if they are not removed, and you are unable to provide the necessary documentation. It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days ( about 4 and a half weeks ) of receipt of this letter then you must remove these accounts from my credit report. If you fail to comply with the deletion demand if you are unable to provide XXXX XXXX COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the State of Florida Additionally, if you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal, and punitive damages available by law. Please provide me with a copy of an updated and corrected credit report showing these items DELETED. I demand the following accounts be properly XXXX XXXX COMPLIANTLY verified WITH EVIDENCE or removed immediately : XXXX XXXX XXXX XXXX ( XXXX accounts ) : XXXX ; XXXXXXXX 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 XXXXXXXX
08/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 62002
Web
I have filed disputes and they regarding inquiries and accounts that should be removed and they keep coming back verified. I have submitted multiple documents and they still refuse to delete these inquiries and accounts. I called each bureau over 25 times and sometimes I got the same agent who was very rude and suggested I stopped calling as she was able to see I called multiple times. I was told I needed to file an FTC and police report if I wanted inquiries and accounts deleted and that was the law. I had multiple credit reports with the file numbers and was able to point out the inaccurate information. I was told that account could not be deleted and I could only dispute the information so the data furnisher could correct and update the account. I repeatedly gave them the FCRA law that proved that wasn't true. I stated multiple times the FTC doesn't allow you to dispute inquiries or accounts and that I had to file a CFPB complaint. The agents for the credit bureaus repeatedly stated I need a FTC and police report and inaccurate information doesn't mean an account should be deleted. These credit bureaus have destroyed my credit and it has dropped my score from as XXXX to over 120 points with all the inaccurate information. If I dispute the account they allow them to update and and false remarks and comments and at one dispute it dropped my score from the XXXX 's to the XXXX 's. These credit bureaus are getting away with allowing these agents to use false information which allows them to profit off of data furnishers and consumers like myself not buy homes, get loans or a credit card because of the refusal of a proper investigation. I'm asking that I receive monetary damages as I will upload credit reports and other documents that prove they didn't do a proper investigation or delete accounts with inaccurate information. I want {$10000.00} for the multiple violations per the FCRA for ruining my credit and the multiple denials of credit including a home loan. These credit agencies should not be allowed to say I have to file a FTC or police report when that is not true but all bureaus are stating this when you call. These credit agencies make it impossible to dispute inaccurate information and inquiries and to remove the information is impossible because they side with the data furnishers. Something needs to be done when complaints are filed and make these companies submit documents just as we have to when they are stating this information is verified when it's not. The E-Oscar system needs to be done away with.. I have submitted credit reports which show each company is reporting different to each bureau which is a {$1000.00} violation each and I have given the bureau on multiple occasions to delete the information. In the letter from XXXX they can't verify that is my account and that includes them staying I have a bankruptcy that is on my report and belongs to me.. That is another violation. The accounts are XXXX XXXX, XXXX, and XXXX XXXX. The inquiries are XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX retail card services, XXXX, XXXX, and XXXX XXXX.
09/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AZ
  • 85641
Web
You continue to violate my rights by not doing an actual investigation included is proof. I just received a copy of my credit report and to my surprise, I noticed that my right to privacy had been violated. I have not given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : XXXX : XXXX XXXX 3. The following personal information is incorrect Account Number : XXXX : XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 5. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 6. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 8. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report.
05/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27407
Web
In accordance with the Fair Credit Reporting act 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 a account without my written instructions -- -- -- In accordance with the Fair Credit Reporting act 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 a account without my written instructions -- -- -- - In accordance with the Fair Credit Reporting act 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 a account without my written instructions -- -- -- - In accordance with the Fair Credit Reporting act 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 a account without my written instructions -- -- -- - In accordance with the Fair Credit Reporting act 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 a account without my written instructions -- -- - In accordance with the Fair Credit Reporting act 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 a account without my written instructions -- -- - 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 a account without my written instructions -- -- - In accordance with the Fair Credit Reporting act 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 a account without my written instructions -- -- 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 a account without my written instructions -- -- 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 a account without my written instructions
06/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32909
Web
In accordance with the Fair Credit Reporting act XXXX XXXX # 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 a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions. In accordance with the Fair Credit Reporting act DEPARTMENT OF EDUCATION/XXXX XXXX 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 a account without my written instructions. In accordance with the Fair Credit Reporting act DEPARTMENT OF EDUCATIONXXXX XXXX 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 a account without my written instructions. In accordance with the Fair Credit Reporting act DEPARTMENT OF EDUCATIONXXXX XXXX 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 a account without my written instructions. In accordance with the Fair Credit Reporting act DEPARTMENT OF EDUCATIONXXXX XXXX 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 a account without my written instructions. In accordance with the Fair Credit Reporting act DEPARTMENT OF EDUCATIONXXXX XXXX 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 a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions.
09/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AZ
  • 85641
Web
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. XXXX there is some inaccurate information reporting. XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. XXXX there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. XXXX there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. XXXX there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. XXXX there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized EQUIFAX MORTGAGE SERVI Date of inquiry : XX/XX/2022 Please remove it from my credit report. XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX, CA XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX, CA XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX, CA XXXX
06/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • 37189
Web
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting act 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 a account without my written instructions 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX. 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 a account without my written instructions 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 a account without my written instructions In accordance with the Fair Credit Reporting act 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 a account without my written instructions In accordance with the Fair Credit Reporting act US DEPARTMENT OF EDUCATION 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 a account without my written instructions In accordance with the Fair Credit Reporting act US DEPARTMENT OF EDUCATION 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 a account without my written instructions 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 a account without my written instructions 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 a account without my written instructions
04/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TN
  • 37013
Web
I have previously disputed accounts XXXX XXXX and XXXX XXXXl on my consumer report with XXXX XXXX and equifax based on inconsistent and inaccurate reporting.. XX/XX/XXXX I sent XXXX a letter based on no notice of dispute and lack of furnisher updating the date they reported proving they did a investigation XX/XX/XXXX I sent XXXX and equifax a dispute based on inaccuracies XX/XX/XXXX XXXX sent me results verifying XXXX XXXX as accurate XX/XX/XXXX XXXX sent me results verifying XXXX XXXX as accurate XX/XX/XXXX XXXX sent me results verifying both of these accounts as accurate. I also took it upon my self to get a new credit report from equifax dated XX/XX/XXXX to see if equifax had any updates and I noticed equifax updated the date these accounts were reported XX/XX/XXXX. I never received my results having to do with these accounts. to my understanding the furnishers of these accounts can not report disputed infromaitn without sending the consumer a written notice that these accounts have been disputed. not only is equifax NOT reporting the account numbers that are suppose to be attached to these accounts but they lack reported information. equifax failed to notice of dispute the XXXX XXXX account but the furnisher updated information XX/XX/XXXX XXXX equifax is notorious for not sending written results to me like ever. how am I suppose to know when these accounts have been investigated? anyway while looking over all 3 credit reports on both of these accounts I couldn't help but notice all 3 reporting agencies are reporting 3 different running of reporting dates manipulating the date of 1st deliquency to fluctuate. to my understanding there is only 1 date of 1st deliquency date and changing this date is considered illegal activity. why are all three reporting agencies reporting 3 different running of reporting dates and 3 different date of 1st deliquencies? XXXX failed to report a noticed of dispute and failed to update the date updated listing from the furnisher on the XXXX XXXX account on my results. all 3 of my reports read XXXX XXXX XXXX estimated month and year this item will be removed XX/XX/XXXX XXXX On record until XX/XX/XXXX Equifax date of 1st deliquency XXXX XXXX XXXX putting the running of reporting time XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX estimated month and year this item will be removed XX/XX/XXXX XXXX On record until XX/XX/XXXX Equifax date of 1st deliquency XX/XX/XXXX putting the running of reporting time XX/XX/XXXX I've given all 3 credit bureaus a chance to fix these accounst by putting them on notice by bringing errors to their attention and they fail to comply under law. XXXX XXXX and equifax and also the furnishers of these accounts are doing illegal practices and improper procedures that must be handled accordingly. I have had enough damage done to my score and reports. I have done my part with disputing with these agencies and they continue to report inaccurate information AFTER the verify these accounts are reporting accurately. this is unfair to me and at this point everyone is violating my privacy rights. please help
08/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 39845
Web
In accordance with the Fair Credit Reporting Act, has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions. The following companies have pulled my credit without my consent showing on my In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions. The following companies have pulled my credit without my consent from XXXX : XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX The following companies have pulled my credit without my consent from Equifax : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX auto XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting Act, Department of ED/XXXX account number XXXX with the amount of XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions. These accounts are also showing incorrect information of potentially negative on XXXX credit report. These accounts have been paid in full. In accordance with the Fair Credit Reporting Act, Department of Ed/XXXX for ALL dates opened XX/XX/XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions. These accounts are paid and closed on both XXXX and Equifax. The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act has forbearance and credit reporting requirements : the following accounts, Self XXXXXXXX XXXX account number XXXX and XXXX XXXX XXXX XXXXXXXX account number XXXX shows late payments, but we have worked out and agreement to start my accounts over. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account number XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions. It is also showing incorrect information on Equifax and XXXX bc this account is paid And closed.
08/31/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CO
  • 80013
Web
I submitted a complaint to the Consumer Finance Protection Bureau on XX/XX/XXXX against Equifax Credit Bureau. They responded to the complaint but are completely ignoring the laws in regards to consumer reporting and are violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 15 USC 1681B clearly states the consumer must provide written consent for anything added to their consumer report by any reporting agency. I did not give any agencies this consent, this includes any vendor who they got this information from. Also they have yet to provide me with a contract that has my signature where I consent to them sharing this information. I also received a request from Equifax compelling me to give out my Social Security Number which is a violation of the Privacy Act of 1974. Which means they obtained all information through identity theft. That is also a violation of 18 USC1028A aggravated identify because they used my name without my consent.15 USC 1666b clearly states a consumer credit transaction can not be listed as late for any reason. Please review 5 USC 552A in concerns to the law for reporting information on individuals. Also at least 1 agency has delete both fraudulent accounts so again they are reporting inaccurate. I demand they correct it. I have submitted several complaints against Equifax Credit Bureau for constant violations of consumer law. In response they removed 1 of the fraudulent accounts but left the other. They both were added through unlawful methods and both should be removed the same. Not only are you reporting false information you are reporting it illegally. Please provide me with a copy if the contract I singed agreeing for you to furnish this information or delete the account immediately. Also XXXX XXXXXXXX XXXX has no authority to verify this debt as they stole my identity, please provide me with the contract where I authorized them to share that information or delete the account immediately. Please provide me with all documentation in regards to my investigation or delete the account. Any and all parties who you are allegedly verifying this debt from stole my identity. You are also reporting inaccurate information such as late payments which is a billing error. The fraudulent accounts have both been deleted by another consumer reporting agency so once again they are displaying false information. If the other agency could not verify this debt how could Equifax? They also contradict themselves in their response stating that all unpaid collections will remain on the credit file for 7 years however the other collections that they removed was also unpaid and is no longer reporting. This will be my last CFPB complaint before I file a fraud complaint with the Federal Trade Commission. They said " PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING THE ACCOUNT NAMES, NUMBERS, AND THE NATURE OF THE DISPUTE '' so here it is : XXXX XXXX XXXX Account Opened : XX/XX/XXXX Total fraud account. Please review the attached five complaints which will further clarify my complaint.
07/14/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 15084
Web
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. XXXX. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. XXXX OF XXXX Account Number : XXXX Please remove it from my credit report. XXXX. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. XXXX XXXX Account Number : XXXX DELETE this account in the Credit Report. XXXXXXXX XXXX Account Number : XXXX DELETE this account in the Credit Report. XXXX. XXXX XXXX Account Number : XXXX DELETE this account in the Credit Report. 9. Account Number : XXXX Please remove it from my credit report. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA AN ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGANIZATION BELOW : CC : XXXX XXXX ASSISTANT DIRECTOR OF ENFORCEMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSIT INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
07/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 78630
Web
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts and items which do not belong to me or were opened without my permission. XXXX : XXXX XXXX CREDIT CARD XXXX Open Date XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$18000.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$3900.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$790.00} XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance : {$41.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX EQUIFAX : XXXX XXXX CREDIT CARD XXXX Open Date XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$780.00} XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance : {$18000.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$7200.00} - XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$3900.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance XXXX {$790.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$410.00} XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX CREDIT CARD XXXX Open Date XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance XXXX {$5100.00} XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX {$790.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
08/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MS
  • 39402
Web
I have accounts that have are negatively being reported that shouldnt be on my credit report in the first place. Which in turn is destroying my lively hood and peace of mind In accordance with the Fair Credit Reporting act my rights have been violated. 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 I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this report I havent been able to fully utilize or enjoy my credit due to these discrepancies these false and negative reports are tarnishing my reputation and harming my integrity. FCRA permits an individual to recover money damages if they can prove they were harmed by false credit reporting. The categories of damages include statutory damages, actual damages and punitive damages. 15 USC 1681n and o. Actual damages include damages for personal humiliation, embarrassment, mental anguish and emotional distressIt includes all highly unpleasant mental reactions such as fright or grief, shame, humiliation, embarrassment, anger, chagrin, disappointment, worry and XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ; see also XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ( actual damages may be emotional in nature ) ; and XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) .Other categories include loss of credit opportunity. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). Plaintiffs can recover damages for credit defamation. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). Economic or financial loss is also recoverable. XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). Recently published cases show that courts are willing to assess damages to fully compensate victims of false credit reporting. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court upheld a jury award of {$400000.00} for compensatory damages in a case that involved attempts to resolve reporting inaccuracies and repeated denials of credit. In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) the court upheld awards of {$100000.00} in compensatory damages and {$620000.00} in punitive damages for a case involving wrongful credit reporting by a collection agency. Similarly, in the case of XXXX v. Equifax Information Services, XXXX XXXX XXXX ( XXXX Cir. XXXX ) the Fourth Circuit approved an award of emotional distress damages of {$150000.00} for credit reporting violations.
06/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 78163
Web
This notice is to inform you that you unlawfully reported fraudulent inquiries that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/2022 XXXX XXXX XX/XX/2022XX/XX/XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 My identity has been stolen you are hereby put on notice. Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. ( 1 ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used with out my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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 4 business days after the date of receipt by such agency of ( 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. I demand all the above Fraudulent accounts & Inquiries DELETED immediately. I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681j ( d ) of this title ; and Thank you, XXXX XXXX
05/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33190
Web
On XX/XX/2022, I received a letter from Equifax stating that a fraudulent account that was previously disputed and removed under The Fairs Credit Act 605b for Identity Theft, was re-inserted to my consumer file ( I have attached this letter for reference ). On XXXX, XXXX, 2022 a certified letter was mailed to Equifax reporting the fraudulent crime ( XXXX Tracking # : XXXX ). All supporting documentation was submitted with the dispute of the fraudulent account including an Official Police Report from the XXXX Police Department confirming the Identity Theft on XX/XX/2022. Equifax removed removed the account under The Fairs Credit Act after receiving the supporting documentation. A letter was also sent to the Furnishing company including a cease and desist letter upon which they agreed to. As of XXXX, XXXX, 2022 ( according to the letter sent by Equifax ), the fraudulent account has now been re-inserted to my consumer credit report with the addition of a collection account from the same furnishing company XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ). Due to this re-insertion and in addition to the collection account, this fraudulent account that HAS BEEN CONFIRMED AS IDENITY THEFT is causing severe financial hardship for myself and my family. Equifax stated that " the company certified that the account belongs to me '' WITHOUT explaining how this certification was determined. According to Section 605B of the Fair Credit Reporting Act, " ( 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 4 business days after the date of receipt by such agency of ( 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. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. '' EQUIFAX is in DIRECT violation of my rights under the Fairs Credit Act 605b by reinserting this fraudulent information in addition to the collection account by the same furnishing company. This is CLEARY a VIOLATION as the XXXX XXXX XXXX police Department is under State Law and confirmed the existence of Identity Theft from this account. I have attached all supporting documents including the Official State Of Florida XXXX XXXX Police Department Police Report. I am reporting this violation of my rights under the Fairs Credit Act to the Consumer Financial Protection Bureau
08/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32055
Web
Credit Report has inaccurate information because Co-Borrowers Age reported is incorrect, also report shows legal name as aka/nickname both shows different names from the legal name. Also Incorrect Dates of resident address times/dates discrepancies, errors modification on account not correct facts. Per 15 U.S.C. 1681 A. States, I have the right to privacy and accurate information on the credit reports and should not and can not modify information on the credit reports. Also Incorrect Dates of resident address times/dates discrepancies, errors modification on account not correct facts. Per 15 U.S.C. 1681 A. States, I have the right to privacy and accurate information on the credit report and should not and can not modify information on the credit reports. 5 U.S.C. 1681 Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. I personally made several attempts to make payment arrangements to satisfy this account but after personally going to the bank in person after waiting for XXXX a bank representative asked me to come back later or someone would contact me from the bank, after making several attempts to speak to a bank representative regarding making some kind of payments arrangements and also need to dispute the Overdraft Charges because the amount owed was incorrect, but no one ever contacted me to settle this matter, Did not know my account was sent to a creditor that closed account years ago without my acknowledgment nor did not contact me to make any kind of payment arrangements. So I'm requesting this account to be removed and deleted from my credit report. The creditor never contacted me which violated my rights to privacy. Dates/ Amounts on Credit Reports are : 1. ) XXXX XXXX XXXX XXXX Delinquency shows Date : XX/XX/XXXX / Amount Charged : {$680.00} Closed and Re-Opened XX/XX/XXXX Cable box charge/ boxes were returned years ago when we paid off the account in full and the account was closed in good standing. 2. ) Account Name : XXXX XXXX Date of delinquency : XX/XX/XXXX - Amount Charged : {$510.00} Request : Delete and Remove this account Explanation of item being disputed : o The report shows I currently owe money to your company that I have already repaid. o The date of first delinquency on my report is not accurate. [ see attachment of an original copy of credit report highlighted with circles for an explanation as above explained for each account. * Inaccurate information with errors, Address Discrepancy : A substantial difference occurred, info not correct on the credit report. I have attached a copy of my report with the accounts in question circled. Action Taken by myself XXXX XXXX / XXXX XXXX The dispute was filed with- Equifax Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Date Filed : By Phone Dispute XX/XX/XXXX ( Have not been Contacted as of XX/XX/XXXX, XXXX ) No one has reached out with the investigation. Only received a copy of the Credit Report.
06/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • AZ
  • 85323
Web
I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. XXXX Collections : US DEPT ED Balance : {$10000.00} US DEPT ED Balance : {$4200.00} US DEPT ED Balance : {$4100.00} US DEPT ED Balance : {$5100.00} US DEPT ED Balance : {$9900.00} US DEPT ED Balance : {$8900.00} US DEPT ED Balance : {$4000.00} US DEPT ED Balance : {$1600.00} US DEPT ED Balance : {$4100.00} US DEPT ED Balance : {$10000.00} US DEPT ED Balance : {$5200.00} US DEPT ED Balance : {$7100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX US DEPT ED Balance XXXX {$10000.00} US DEPT ED Balance : {$4200.00} US DEPT ED Balance : {$4100.00} US DEPT ED Balance : {$5100.00} US DEPT ED Balance : {$9900.00} US DEPT ED Balance : {$8900.00} US DEPT ED Balance : {$4000.00} US DEPT ED Balance : {$1600.00} US DEPT ED Balance : {$4100.00} US DEPT ED Balance : {$10000.00} US DEPT ED Balance : {$5200.00} US DEPT ED Balance : {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00} XXXX Balance : {$1100.00} XXXX Balance : {$710.00} XXXX Balance : {$9100.00} Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX : US DEPT ED Balance : {$10000.00} US DEPT ED Balance : {$4200.00} US DEPT ED Balance : {$4100.00} US DEPT ED Balance : {$5100.00} US DEPT ED Balance : {$9900.00} US DEPT ED Balance : {$8900.00} US DEPT ED Balance : {$4000.00} US DEPT ED Balance : {$1600.00} US DEPT ED Balance : {$4100.00} US DEPT ED Balance : {$10000.00} US DEPT ED Balance : {$5200.00} US DEPT ED Balance : {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} PXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Balance : {$4300.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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
06/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75126
Web
The List of Companies That Have Violated My Federally Protected Consumer Rights and confidentiality UNDER 15 USC 1681! In accordance with the Fair Credit Reporting Act, Account # XXXX, XXXX 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 a account without my written instructions. My legal rights have been violated. In accordance with the Fair Credit Reporting Act, Account XXXX XXXXXXXX XXXX Account Number 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 a account without my written instructions. My legal rights have been violated. In accordance with the Fair Credit Reporting Act, Account XXXX XXXX XXXX XXXX Account Number # 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 a account without my written instructions. My legal rights have been violated. In accordance with the Fair Credit Reporting Act, Account #, XXXX XXXX Account Number 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 a account without my written instructions. My legal rights have been violated. In accordance with the Fair Credit Reporting Act, Account #, XXXX XXXX XXXX Account Number 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 a account without my written instructions. My legal rights have been violated. In accordance with the Fair Credit Reporting Act, Account #, XXXX XXXX XXXX Account Number 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 a account without my written instructions. My legal rights have been violated. In accordance with the Fair Credit Reporting Act, Account XXXX XXXX XXXX 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 a account without my written instructions. My legal rights have been violated. In accordance with the Fair Credit Reporting Act, Account XXXX XXXX XXXX, 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 a account without my written instructions. My legal rights have been violated. .
05/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27804
Web
To whom this may concern, Im writing this matter myself without the assistance of any third party. I hereby now will proceed with my dispute. 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. XXXX XXXX XXXX XXXX Account # : XXXX, has violated my rights. XXXX XXXX XXXX. Account # : XXXX, has violated my rights. XXXX XXXX XXXX XXXX Account # : XXXX, has violated my rights. XXXX XXXX XXXXXXXX. Account # : XXXX, has violated my rights. XXXX XXXX XXXX. Account # : XXXX, has violated my rights. XXXX XXXX XXXX Account # : XXXX, has violated my rights. XXXX XXXX. Account # : XXXX, has violated my rights. XXXX XXXX. Account # : XXXX, has violated my rights. The Creditors and Credit Reporting Agencies ( EQUIFAX, XXXX XXXX, and XXXX ) are violating my fourth amendment right. I should be protected and secure within my papers and Im not because my personal information is being reported to consumer reporting agencies without my written consent. Im not secure within my papers and that's a violation of my fourth amendment right. Further, 15 U.S.C 1681 section 602 A of the Fair Credit Reporting Act states I have the right to privacy. Im being taking advantage of and I highly feel the listed creditors and the credit reporting agencies are conspiring against my rights to injure me as Im currently injured due to my right to privacy being breached. Im being deprived of my rights and I'm being treated unjust. The creditors listed did not have lawful authority to transfer my social security number amongst the credit reporting agencies listed ( EQUIFAX, XXXX XXXX, and XXXX ). 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. The above listed creditors and the above listed credit reporting agencies are committing aggravated identity theft and can face imprisonment for what they are doing to me as I did NOT authorize, nor give permission, nor did I provide written consent to any persons to furnish accounts. 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. My consumer report by law shall not contain any of the listed accounts that I have listed above. 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. I demand these accounts to be deleted immediately or I will file litigation for the injury and emotional anguish this matter is causing me. Thank you for your attention to this matter, I assure you will not discriminate.
11/11/2016 Yes
  • Credit reporting
  • Credit reporting company's investigation
  • Investigation took too long
  • CA
  • 90292
Web
I sent a request for validation to XXXX XXXX on XXXX/XXXX/XXXX sent to the address on my credit report. The letter was returned as undeliverable on XXXX/XXXX/XXXX certified tracking # XXXX. On XXXX XXXX XXXX, I sent a letter to XXXX requesting that this inaccurate item be removed from my credit report as the company had violated my rights per the FCRA. The law requires a furnisher of data to provide an accurate address with which a consumer may contact the provider to dispute the validity of reported information. This company is using a bogus, invalid address making it impossible for a consumer to get a hold of. The FCRA states that the item must be re-investigated within 30 days or delete the inaccurate item before the end of the 30-day period. Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if thecompleteness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the filein accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Furthermore, on XXXX XXXX, XXXX I also disputed the item with Equifax via certified mail tracking # XXXX informing you of the invalid contact address that they are providing on my file and that I had requested validation from them. It does n't matter if you have your own way to contact them to verify, they can not get away with this and I will not allow your firm to be complicit without accepting liability for the damages to me and my family. As a final attempt to get in contact with XXXX, On XXXX XXXX, XXXX I sent a certified letter tracking # XXXX to their corporate " registered agent '' XXXX XXXX to which I 've yet to receive a response from. Clearly they have no regard for my consumer rights and fail to follow the FCRA/FDCPA. It 's nearly almost a year since I 've been requesting that this inaccurate item be deleted from my credit report. It 's absurd how difficult this has been, a consumer should not have to go through so much just to get a resolution to a complaint. This company should be reprimanded for using a bogus invalid address and avoiding complaints as an attempt to not follow FCRA/FDCPA law. The Bureaus still reports the same address XXXX XXXX XXXX XXXX, FL XXXX to contact them at per my Equifax current report. See attached copy of my current report. Attached is validation request sent to XXXX, Certified Letter sent to Equifax, Certified Letter sent to XXXX Corporate Resident Agent, and current copy of my report showing the same invalid address.
08/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77705
Web
FCRA violations : inquires not mine XXXX XXXX, XXXX Dispute this Address Date of inquiry 1 XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX FCRA violations : accounts not mine XXXX & XXXX XXXX XXXX XXXX account details Account owner Individual Account XXXX reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 4 years 6 months 6 days 4 XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 11 months 25 days 6 XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 2 months 25 days 3 FCRA violations : payments never late XXXX XXXX XXXX XXXXXXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$840.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$5.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX XXXX XXXX XXXX XXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$380.00} {$480.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX XXXX XXXX XXXX : XXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$510.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$260.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$1900.00} XX/XX/XXXX Pays account as agreed XXXX XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 5 years 5 months 17 days 6 XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 5 years 1 month 13 days 4 XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 2 years 8 months 10 days 4 XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 1 year 2 months 11 days 1 Other ( XXXX ) FCRA violations : addresses not mine Previous address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dispute this Previous address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dispute this Previous XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dispute this Previous address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dispute this
08/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 62002
Web
I filed a complaint on XX/XX/2022 ( Complaint # XXXX ) against Equifax and XXXX to remove some HARD INQUIRES on my credit report that I did not recognize. XXXX is claiming that these INQUIRIES came back verified however, I have a few questions : how did you complete your investigation? Did you talk to my neighbors, friends, or family? If so, please inform me of the person who completed the investigation. One more thing, I was reading the FCRA and noticed you VIOLATED these laws as well : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 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 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 15 USC 1681i. ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I, XXXX XXXX, consumer, and natural person, am aware of all of the rights I have, and which are protected by the Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1. INQUIRY : XXXX XXXX XXXX, 2. I NQUIRY : XXXX XXXX XXXX., 3. INQUIRY : XXXX XXXX 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. Delete these HARD INQUIRIES immediately unless you want to be held liable {$1000.00} per violation.
06/14/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60805
Web
My complaint is against XXXX Credit Bureau and Equifax Credit Bureau. These credit reporting agencies continue to engage in unfair reporting practices. I have disputed the following accounts to no avai l : 1. XXXX XXXX - Account Number : XXXX .... The creditor inaccurately reported the account as charged off when it fact it was paid directly to the company prior to being charged off. There were several inaccuracies in this reported account, and each time it was disputed, XXXX and Equifax allowed the company to keep changing their report instead of demanding actual proof and documentation of the account. The creditor initially reported this as an installment loan - which is was not. The balance was NEVER correct. And now the creditor is reporting it as paid in a settlement, when in fact - the correct and actual balance of the account was paid. Which was less than the creditor ever reported. Each time I disputed this account, XXXX and Equifax entered the dispute as being a " Not My Account '' dispute and then came back saying it was " verified as my account '' I knew it was my account, however the details were incorrect. I used the online method, as well as calling the bureau directly. Because of these disputes, the creditor continued to say it was my account. At this point it is still reporting incorrectly and the creditor agreed to remove the account totally from my credit report. I am asking XXXX to request the full documented history on the account instead of just electronically verifying the ownership. This account should be removed as promised. 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX ( XXXX ) XXXX Account Number : XXXX .... This company entered a fraudulent judgment against me for an amount I never owed. The courts verified this and the judge therefore vacated the judgment in its ' entirety. This account was supposed to removed from my credit report completely. I sent XXXX and Equifax documentation concerning this account, including the judge 's orders and they still continue to report this account as verified as accurate. They allowed the creditor " XXXX XXXX '' to continue to report this as an open and unpaid account for several months after this was resolved. I have suffered enormous damage as a result of the inaccurate reporting that XXXX and Equifax continue to say was " verified as accurate. '' How was this verified as accurate when I sent the judge 's orders, as well as receipts from the creditors attorney - months ago. Most recently now XXXX simply updated it and change the balance to XXXX . XXXX and Equifax needs to request the complete history of this account, including all documentation from the attorney etc, and this will prove that the company participated in fraudulent reporting on behalf. This derogatory account is supposed to be completely removed from my credit report.
04/10/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • FL
  • 33186
Web
Attention dispute department XXXX, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$100.00} REV {$210.00} MIN {$43.00} {$130.00} XXXX XXXX XXXX XXXX DELINQ 90 XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} XXXX {$0.00} 120 {$0.00} {$0.00} XXXX XXXX XXXX XXXX COLLECTION XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX {$0.00} 120 {$0.00} {$0.00} XXXX XXXX XXXX XXXX COLLECTION XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$810.00} OPEN {$810.00} XXXX {$810.00} {$810.00} XXXX XXXX XXXX XXXX COLLECTION XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$360.00} OPEN {$360.00} XXXX {$360.00} {$360.00} XXXX XXXX XXXX XXXX COLLECTION XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} XXXX {$1800.00} XXXX - {$1800.00} XXXX XXXX XXXX XXXX COLLECTION XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX {$1000.00} XXXX - {$1000.00} XXXX XXXX XXXX XXXX COLLECTION XP/EF The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. Sincerely, XXXX, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
08/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77583
Web
After reviewing my credit report I continue to notice unauthorized accounts I gave no consent to be furnished. I've demanded the accounts be removed immediately, but Equifax continues to do false investigations. I've requested full file disclosure per my rights as a consumer. I only get a generic response that the accounts have been verified without insuring the information is accurate. This grave error has undermined my confidence in Equifax 's procedures, and as a result of this I will no longer be extending credit and if the information is not removed I no longer want my information reported in your companies database. Pursuant to 15 USC 1681 ( a ) ( 2 ) - Equifax is a powerless elaborate mechanism. This mishap that your company caused has ruined my reputation, and it adversely affected my credit worthiness. Pursuant to 15 USC 1681 ( a ) ( 3 ) - Your company assumed this role. You were not given permission by me, the consumer or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information. You also assumed this role and assumed this information was valid which is a violation of my consumer rights. Pursuant to 15 USC 1681 ( a ) ( 4 ) - you did not insure the information was accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if these transactions even took place.Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. The alleged transactions that you are reporting, and failed to investigate whether or not it factually took place between the consumer and the person making the report which means it should not be included in my consumer report, and in fact is a violation of my consumer rights. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) - In your initial investigation I ws never given the opportunity to deny this information being communicated on my consumer report. This in fact is another violation. Pursuant to 15 USC 1681a ( B ) - Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. These alleged transactions that Equifax clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15 USC 1602 ( I ) as any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. In the event these accounts are not deleted within 10 days of receiving this complaint, I will be seeking litigation and damages of {$10000.00} per day these violations persist detailed in in my UCC1 Lien Notice filed with the Secretary of State. I look forward to your response.
07/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IN
  • 46239
Web
My name Is XXXX XXXX and this is my formal notice of complaint against XXXX for furnishing information to the credit reporting agencies XXXX XXXX Equifax without my permission. This has been an invasion of my right to privacy and is causing me XXXX XXXX XXXX, and inconvenience. I have reached out to XXXX on several occasions to resolve this issue and my requests have been ignored. According to the Fair Credit Reporting Act, in order to furnish the alleged XXXX XXXX XXXX XXXX would need to be able to both VALIDATE and VERIFY my information with the original creditor. XXXX XXXX XXXX XXXX has assured me it is not within their policies or obligation to validate any public records via correspondence they provided me with via postal mail, please see the attached exhibits. So how was this information validated and verified? Pursuant 15 U.S. Code 6821 ( a ) -Prohibition on obtaining customer information by false pretenses. by providing any document to a financial institution ( consumer reporting agency ), knowing that the document is forged, counterfeit, lost, or stolen, was fraudulently obtained, or contains a false, fictitious, or fraudulent statement or representation. Also by providing any document to an agent of a financial institution ( consumer reporting agency ), knowing that the document is forged, counterfeit, lost, or stolen, was fraudulently obtained, or contains a false, fictitious, or fraudulent statement or representation. XXXX claimed to have reviewed my previous requests for validation and verification in which they mailed a resolution letter with an updated copy of my XXXX file on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( See attached exhibits ) ... and is somehow still requesting that I authenticate my identity .... If XXXX is unable to authenticate my identity then HOW in the world were they able to provide me with resolutions to my previous requests? Furthermore the Gramm-Leach-Bliley Act ( GLBA ) Protects the personal and financial information of their customers against unauthorized access or use, Not disclose nonpublic personal information to nonaffiliated third parties, unless the consumer receives sufficient notice. Give customers the opportunity to opt out from having their information shared in certain situations. I was NEVER given the opportunity to opt out of having my information furnished by XXXX. I am aware that Equifax, XXXX and XXXX XXXX may be working as co-conspirators to ruin my financial reputation & shall be held criminally liable if they do not delete these items immediately from my credit reports. I am also aware that this may result in a criminal complaint under the Racketeer Influenced and Corrupt Organizations Act ( RICO ) listing if they can not show me how they were lawfully able to obtain and furnish this alleged bankruptcy. Please review the attached Exhibits that support my claims.
08/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AZ
  • 85323
Web
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector XXXX not communicate with a consumer in connection with the collection of any debt. XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiries : 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 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 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 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 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
07/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • FL
  • 33460
Web
To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESSES DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX typeApartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX BRANCH XXXX TX XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX DO NOT BELONG TO ME XXXX NAME VARIATIONS DO NOT XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EVEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
08/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • VA
  • 22207
Web
HiMy mortgage company took advantage of me. Im aware that The CFPB is closely monitoring servicer conduct to ensure that they are complying with all applicable federal consumer financial laws and assisting consumers with resolving delinquencies and preventing avoidable foreclosures. As part of this monitoring, Im aware that the CFPB will continue its heightened review of mortgage servicing complaints, including in particular complaints about challenges working with servicers to use HAF funds. I have been impacted by XXXX. On XX/XX/XXXX, I contacted my mortgage Servicer to let them know that I did not have the money to pay for my XXXX XXXX, XXXX mortgage bill, I have been impacted by XXXX, and I asked what my options were at a time when I was still current on my payments. I told them I was aware of the HAF funds program opening in VA on XXXX XXXX, XXXX, and that I would apply that very day, but that theyre estimating 60-days before any payments covering my mortgage would be made. I specifically asked what contact information I should provide to Virginias HAF program, but I also asked what other COVID-relief remedies are available to me right now in the 60-day+ interim while I wait for my application to be processed. They told me there were no other remedies available. I called them every week in XXXX asking if any other remedies existed, I believe 6 times in total. I called them several times in XXXX asking the same question. I called them several times in XXXX. It wasnt until they told me in XXXX that my condo would be foreclosed upon in 10 days time that they told me I had another remedy available, to defer my payment through forbearance, a remedy I was told that had I employed back on XX/XX/XXXX on the date of my first call with them, I would not have had any delinquencies reported whatsoever. My mortgage company did not act in good faith towards me. I specifically asked them what COVID-relied remedies were available. I asked them a good dozen times and it wasnt until they told me Id be kicked out onto the streets in 10 days time ( even though they knew I was approved for HAF on XXXX XXXX, XXXX, and merely waiting for the payment to be sent to themand VAs HAF program was already in communication with them ), that they told me I had another remedy I could use to avoid foreclosure. They took advantage of me. They lied to me. They did not act in good faith to me. Conversely, I was overly diligent in my efforts to maintain good credit. I contacted them over a dozen times. I should not have to pay for their greedy, foul play lies that has negatively impacted my credit approx XX/XX/XXXX and XX/XX/XXXX with delinquent notices posted to my credit. Id like you to correct their foul play, their unfairness, what I would call gross negligence, on their part. What they did to me is not okay whatsoever.
07/11/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33132
Web
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 1. Under the FCRA this account may not appear on my credit report if it can not be supported by any documents / evidence. XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 2. You sold this account to a COLLECTIONS AGENCY. This made me VULNERABLE to IDENTITY THEFT. XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA AN ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGANIZATION BELOW : CC : XXXX XXXX ASSISTANT DIRECTOR OF ENFORCEMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
08/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NH
  • 03038
Web
XXXX XXXX XXXX employee at XXXX XXXX XXXX XXXX on XX/XX/XXXX there is nothing affecting my credit score. XXXX first told me there's XXXX items. I asked him if he can please assist me with the items to see if there mine. he was XXXX never got a direct answer for 1 whole hour we got nowhere. XXXX XXXX informed me we dont get confirmation number aftre i filed my dispute? i just got a big headache basically he atlas refused to help me by confusing me. on XX/XX/XXXX my score was XXXX my score has not improved. the same things that were on my score in XXXX XXXX XXXX are all the same but nothing there should affect me? Never had a credit card just chime. chime is a secured acct Iam on safer credit building but have not gotten XXXX increase on my score. i tried to get a mortgage from the first-time home buyer XXXX hit me with that with that immediately affected my score without a chance. Inquiries in report that should had fallen off have not yet fallen off. XXXX refused to assist me with that. XXXX deleted XXXX back on XX/XX/XXXX file # XXXX they added it back on XX/XX/XXXX, XX/XX/XXXX i reached out to XXXX myself where they XXXX mailed me a copy of the letter to all 3-credit bureau dated XX/XX/XXXX where they told the reporting agency 's it was en unauthorized credit application telling the reporting agency to update the inquiry to a soft inquiry which they never did they continued to refuse to do as told. i will like to ask to have someone pull up XXXX XXXX conversation of nothing. XXXX has been punishing me for years with items they/ where not mine as of today my score went down XXXX point and never went up for 3 years because XXXX has been refusing to comply to the law by neglecting to do as told. XXXX refuses to give me my credit report acting like its been lost then saying i need to verify my identity removed freeze requested by me for only XXXX week. the other XXXX reporting agency did as i requested but XXXX felt again that they don't have to follow policy alert and never ut back freeze. i like to ask for en investigated to please look at all my score inquiry only XXXX percent of XXXX 's claims are mine ive disputed many they were unverified and should had follow policy and removed them there's things on there for XXXX plus years. after this investigation i will be looking to seek legal action if not corrected immediately. XXXX dropped my credit score XXXX points on XXXX falsefully on a secured credit building card XXXX in safer credit building chime. chime has no reported credit limit. XXXX and Equifax are XXXX my credit score. i disputed this with chime as well and it went in my favor because i am protected by chime with safer credit building. the reporting agency have no respect fot the code of conduct the law or care to follow policy do not feel safe with them on my report
07/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • TX
  • 77073
Web
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. XXXX. The following account was a Charge-off. XXXX should be XXXX. US DEPT ED Account Number : XXXX Please remove it from my credit report. XXXX. The following account was a Charge-off. XXXX should be XXXX. US DEPT ED Account Number : XXXX Please remove it from my credit report. XXXX. The following account was a Charge-off. XXXX should be XXXX. US DEPT ED Account Number : XXXX Please remove it from my credit report. XXXX. The following account was a Charge-off. XXXX should be XXXX. XXXX XXXX & XXXX Account Number : XXXX Please remove it from my credit report. XXXX. The following account was a Charge-off. XXXX should be XXXX. US DEPT ED Account Number : XXXX Please remove it from my credit report. XXXX. The following account was a Charge-off. XXXX should be XXXX. US DEPT ED Account Number : XXXX Please remove it from my credit report. XXXX. The following account was a Charge-off. XXXX should be XXXX. XXXX Account XXXX : XXXX Please remove it from my credit report. XXXX. The following account was a Charge-off. XXXX should be XXXX. XXXX Account XXXX : XXXX Please remove it from my credit report. XXXX. The following account was a Charge-off. XXXX should be XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. The following account was a Charge-off. XXXX should be XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. The following account was a Charge-off. XXXX should be XXXX. XXXX XXXX Account Number : XXXX Please remove it from my credit report. * Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file. Thank You, XXXX XXXX
09/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • NJ
  • 07105
Web
On XX/XX/XXXX, I contacted Equifax in an attempt to resolve an ongoing dispute. Equifax has continuously reported erroneous information that Equifax was aware was incorrect and failed to takes measures to correct. Equifax has not updated my credit file in over 9 years. On XX/XX/XXXX I contacted Equifax to inquire as to why my credit report has not been updated in several years and is currently providing potential creditors with knowingly erroneous information. I was speaking to an individual named XXXX who refused to give me her last name or initial or contact information or extension or any other viable information that would provide insight into who she was. XXXX refused to identify herself further than her first name because she stated that Equifax rules and regulations do not allow her to identify herself ( assuming for issues like this ). I immediately asked for a supervisor and was told that I would not be able to speak to one because she would not transfer the call to one. She informed me that they could not help me because they have the same information she does. After asking for a supervisor over 20 times the representative refused to transfer the call. She attempted to deflect responsibility on the part of Equifax. She stated that it is not their fault they are not reporting the information ; it was the fault of XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, and every other creditor I had, however, it was not Equifax fault. They attempted to inform me that each and every one of those companies are not complying with sending in information. I have contacted each of those companies and have verified that they have reported correct information to the credit bureaus. Equifax continues to publish information it knows is incorrect causing irreparable harm and damages. After calling back Equifax after having " XXXX '' hang up while having me on hold, I asked for a supervisor or manager. I was put through a voice prompt system that had me pushing buttons for 10 minutes before I got a person on the phone who informed me that they couldn't help me because my file hasn't been updated in years and they have no information. Why is this company allowed to exist and continue to provide its services when sadly ever since the XXXX breach, they have not shown any remorse for their negligence, they don't care about serving their customers, and they are providing knowingly false information causing harm to the public. Now after informing Equifax that I was filing a report with the Consumer Financial Protection Bureau, I was told " Good Luck with that '' and then magically, they needed two pieces of identification faxed to them in order to assist me with this matter. This was retaliatory action for my reporting their incompetent actions to the Consumer Financial Protection Bureau.
06/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30016
Web
On several occasions I requested that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX be removed from my credit report for unlawfully re-aged payment and charge-off dates Proof of Charge off Status are easily track via the credit reporting agencies own internal data and reports given to me. I never committed any act that trigger the re-aging of the account or starts the statute of limitations clock all over again. XXXX XXXX XXXX has submitted numerous dates as the Charge off date and has also submitted various updates to payment status. Due to situations beyond my control my last payment to XXXX XXXX XXXX was XXXX of XXXX. However XXXX continued to update as if payments were being made. XX/XX/XXXX. Later the debt was posted with new charge-off date of XX/XX/XXXX, then again as XX/XX/XXXX. The date that the creditor places the account for collection is not the basis for calculating the delinquency date. The collection date is calculated based on the consumers delinquency, not the creditors later actions. The Credit Reporting Agencies also makes it difficult to Request consumer disclosure file. The consumer disclosure file would assist me in providing proof of my claim. However when I have called the credit reporting agencies I have been told that I could only receive a credit report not my full disclosure file not even if I paid for it. I made the credit reporting agencies aware of these unlawful reporting instead of removing XXXX XXXX XXXX, from my credit report the agencies allowed to continuously harm me for years by updating the following information. After I pointed out my account was re-aged the Credit Reporting Agencies allowed XXXX XXXX XXXX to update the information and stated that the " account information disputed by consumer, meets FCRA requirements. '' I feel that no real independent investigation was performed by any of the credit reporting agencies. FCRA requires that all information reported be true and up to date. Re-aged charge-off dates according tot the Credit Reporting Agencies XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX violation of the following VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692e re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). Making a false and misleading representation in violation of 1692e ( 10 ). Pursuant to 15 U.S.C. 1692f, a debt collector may not use any unfair or unconscionable means to collect or attempt to collect any debt. Defendant 's debt collection efforts attempted and/or directed towards the Plaintiff violated various provisions of the FDCPA, including but not limited to 15 U.S.C. 1692e I pray that the Consumer Financial Protection Bureau will assist me in obtaining relief and also that XXXX XXXX XXXX is removed from all Credit Reporting Agencies immediately
06/01/2016 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • WI
  • 54929
Web Older American
XXXX/XXXX/2016 XXXX XXXX, 2016, on receiving three letters from Equifax addressing my complaints to the disputes to the false information on my credit reports. I did as Equifax 's letter requested and went online to fill out the forms. There was not enough space to accurately describe my situation. Also, when I tried to submit the information I got an error message my window had " timed out ''. Thus, losing all the information that was input. The window did not have the function to copy the information. My three previous complaints ; XXXX, XXXX and XXXX through the Federal Consumer Protection Bureau, have not been addressed. The false alias with the social security number needs to be removed from my personal information. So that the report is true and accurate. As stated in previous complaints, this is an actual person and not my alias. I requested from Equifax how that information was implemented to my identity. And have been ignored. Explaining this situation with an FBI agent, was informed that this situation is defined as " Identity theft ''. The false previous addresses continue to appear on my identity information. Equifax was submitted valid proof on my XXXX previous valid addresses. How did the other false addresses get onto my report and why have not they been removed? The last previous address that is correct and accurate to my information, is not there. Equifax is ignoring me on this also. There are XXXX XXXX credit transactions appearing in my history of which only XXXX accurately belongs to my credit history. Please block this information until the investigation is complete too being accurate and true. Equifax handling of an account caused a false creditor to contact me with a collection letter this week. In the form of an application requesting all of my personal private information? Lastly your representative ( on the last phone contact ) strongly suggested that I sign up and purchase Equifax service. At this time, your coopertion is a functional systematic failure. Equifax has all the information that it needs to correct these aspects of this situation. I have been very cooperative presenting the valid information. So that the report can be corrected to being true and accurate. And Equifax does not cooperate. Cryptic phone menus that do n't address the situation and hang up. Rude employees that refuse you service for not divulging your entire social security number over an unsecured line. And are dysfunctional with the information. Websites that do n't effectively cover the situation for which you are contacting them for and limit you so that you can not present the information. Please address these issues stated above in this letter and correct my information to be true and accurate with no false information that belongs to someone else.
06/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30016
Web
On several occasions I requested that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX be removed from my credit report for unlawfully re-aged payment and charge-off dates Proof of Charge off Status are easily track via the credit reporting agencies own internal data and reports given to me. I never committed any act that trigger the re-aging of the account or starts the statute of limitations clock all over again. XXXX XXXX XXXX has submitted numerous dates as the Charge off date and has also submitted various updates to payment status. Due to situations beyond my control my last payment to XXXX XXXX XXXX was XXXX of XXXX. However XXXX continued to update as if payments were being made. XX/XX/XXXX. Later the debt was posted with new charge-off date of XX/XX/XXXX, then again as XX/XX/XXXX. The date that the creditor places the account for collection is not the basis for calculating the delinquency date. The collection date is calculated based on the consumers delinquency, not the creditors later actions. The Credit Reporting Agencies also makes it difficult to Request consumer disclosure file. The consumer disclosure file would assist me in providing proof of my claim. However when I have called the credit reporting agencies I have been told that I could only receive a credit report not my full disclosure file not even if I paid for it. I made the credit reporting agencies aware of these unlawful reporting instead of removing XXXX XXXX XXXX, from my credit report the agencies allowed to continuously harm me for years by updating the following information. After I pointed out my account was re-aged the Credit Reporting Agencies allowed XXXX XXXX XXXX to update the information and stated that the " account information disputed by consumer, meets FCRA requirements. '' I feel that no real independent investigation was performed by any of the credit reporting agencies. FCRA requires that all information reported be true and up to date. Re-aged charge-off dates according tot the Credit Reporting XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX is in violation of the following VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692e re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). Making a false and misleading representation in violation of 1692e ( 10 ). Pursuant to 15 U.S.C. 1692f, a debt collector may not use any unfair or unconscionable means to collect or attempt to collect any debt. Defendant 's debt collection efforts attempted and/or directed towards the Plaintiff violated various provisions of the FDCPA, including but not limited to 15 U.S.C. 1692e I pray that the Consumer Financial Protection Bureau will assist me in obtaining relief and also that XXXX XXXX XXXX is removed from all Credit Reporting Agencies immediately
06/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30016
Web
On several occasions I requested that XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TN XXXX be removed from my credit report. By unlawfully applying interest charges that were not authorized, XXXX and XXXX XXXX XXXX, a debt collection agency, used ambiguous, misleading and abusive means to collect a debt. XXXX and XXXX XXXX XXXX, a debt collection agency Failed to name the original creditor as requested, Failure to provide date of original debt, first missed payment that led to the charge-off. When I contacted XXXX and XXXX XXXX XXXX, I was informed that the changes in debt amount was due to interest and fees. When I requested information on the original creditor from XXXX and XXXX XXXX XXXX, the only referred to the company as " client, never releasing specific information so I could validate and research the account. I made the credit reporting agencies aware of these unlawful reporting instead of removing XXXX and XXXX XXXX XXXX, from my credit report the agencies allowed to continuously harm me for years by updating the following information. After I pointed out lawsuit that XXXX and XXXX XXXX XXXX, loss due to these unlawful practices the Credit Reporting Agencies allowed XXXX and XXXX XXXX XXXX, to update the information and stated that the " account information disputed by consumer, meets FCRA requirements. '' I feel that no real independent investigation was performed by any of the credit reporting agencies. FCRA requires that all information reported be true and up to date. Below is just some of the information that causes me further harm. XXXX XXXX XXXX Reported : XX/XX/XXXX {$1200.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$1400.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$1400.00} XXXX AND XXXX Reported : XXXX. XXXX, XXXX {$1300.00} XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$1300.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$1200.00} XXXX XXXX XXXX is in violation of the following VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692e Falsely representing that they were entitled to charge an amount they were not entitled to in violation of 1692e ( 2 ) ; Threatening to charge a fee in which they were not legally entitled to charge in violation of 1692e ( 5 ) ; Making a false and misleading representation in violation of 1692e ( 10 ). Pursuant to 15 U.S.C. 1692f, a debt collector may not use any unfair or unconscionable means to collect or attempt to collect any debt. Defendant 's debt collection efforts attempted and/or directed towards the Plaintiff violated various provisions of the FDCPA, including but not limited to 15 U.S.C. 1692e I pray that the Consumer Financial Protection Bureau will assist me in obtaining relief and also that XXXX XXXX XXXX is removed from all Credit Reporting Agencies immediately
08/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30326
Web
Hello I did a investigation into my credit report and found that there were inaccuracies on my credit report. ======================================================================================================== Account Name : XXXX Account Number : XXXX 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 a account without my written instructions ==================================================================================================== Account Name : XXXX Account Number : XXXX 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 a account without my written instructions ===================================================================================================== Account Name : XXXX Account Number : XXXX 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 a account without my written instructions ======================================================================================================= XXXX XXXX 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 ==================================================================================================== XXXX XXXX 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 =============================================================================================== XXXX XXXX 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 ===========================================================================================
11/25/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • PA
  • 17602
Web
I have replaced my XXXX XXXX debit card three times this year. One time as a precautionary measure ( prompted by XXXX ), and two times after fraudulent activities on the account. The fraudulent activities are as follows shortly after replacing the debit card the first time after having suspicions of possible fraud : XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX= {$2600.00} XXXX Consumer XXXXr= {$1500.00} XXXX XXXXXXXX= {$700.00} XXXX reversed all of the charges and I had to replace all unused checks, change my account #, change my online banking info, contact creditors with new bank info and put the account on high security alert. I also had to replace all of my credit cards and change all of my user name and passwords for online activity. I manually enter all user names and passwords now. I paid for XXXX to put my account on " Initial Fraud Alert '' on XXXX/XXXX/XXXX which would be in effect for 90 days. This included XXXX ( XXXX contacted them ) that had me on their " Initial Security Alert ''. This did n't catch the 2 transactions dated XXXX shown above which were after the stated alerts. I then contacted Equifax to find out that my personal information was in fact compromised. This breach of information was in mid XXXX and the above fraudulent activity happened shortly thereafter. I do n't think this is a coincidence. To top it off, I then had another fraudulent charge to my new XXXX debit card as follows : XXXX XXXX in XXXX XXXX= {$970.00} I had a travel alert in my email the day before about going to XXXX which I was n't doing so I contacted XXXX the day before the above transaction ( same day I received the email ) and they still could n't prevent it from happening. So, they had to issue another debit card and freeze my account. I was in the process of buying a car and was transferring funds from one account to another when this happened which prevented me from writing a check to pay for what is considered a person 's second largest purchase in their lifetime. So, after running from one branch of XXXX to another and investing even more time into getting things back to normal, I was able to have a new debit card made that day and also got my account off of " freeze '' so I could pay the car dealer for the vehicle. I called XXXX to get my online banking secured even more and make some changes and have high alerts implemented again. They did admit to some security weaknesses???? Thankfully, I did n't have to go through the hassle of changing my checking account info again. When is enough, enough? I 'm now in constant fear of when the next fraudulent activity is going to appear. I 'm sending this email in hopes that it will be yet another step in securing my information ( it did n't do much good with XXXXXXXX XXXX, and Equifax ).
07/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • GA
  • 31907
Web
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 1. The following account was a Charge-off. Balance should be XXXX. XXXX Account XXXX : XXXX Please remove it from my credit report. 2. The following account was a Charge-off. Balance should be XXXX. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 3. The following account was a Charge-off. Balance should be XXXX. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 4. The following account was a Charge-off. Balance should be XXXX. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 5. The following account was a Charge-off. Balance should be XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.5. The following account was a Charge-off. 6. Balance should be XXXX. XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Sincerely yours, XXXX XXXX
05/09/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 78260
Web
I had a vehicle financed with XXXX XXXX XXXX XXXX . At one point my loan was issued to a particular XXXX XXXX account manager. During the time this employee managed my account, he would constantly harass and call my husband and I, yell, scream, make insulting comments about our financial ability to pay for the car, and was overall verbally abusive. I came to the point where I did not answer phone calls from XXXX XXXX because I refused to be subjected to this type of abuse at the hands of a major financial companies employee. I filed several complaints with the XXXX XXXX XXXX XXXX Office of the President. Nothing was resolved. Towards the end of XXXX , XXXX XXXX added a {$200.00} insurance charge to the monthly payment claiming I did not have insurance on the vehicle. I was attending school out of state and was not aware of the additional charge tagged on ; however, we continued to make the normal monthly payments. The paid additional surcharge was calculated as nonpayment. The account manager put the car up for repression in XXXX XXXX . As a result, my husband and I immediately redeemed the vehicle and prevented the repression by refinancing the loan with a different financial servicer, XXXX XXXX XXXX XXXX XXXX in XXXX XXXX . The car was redeemed, the XXXX XXXX loan was paid in full, and I kept the vehicle. I filed appropriate complaints with XXXX XXXX Office of the President and other agencies. Again, nothing was resolved. XXXX XXXX XXXX XXXX reported the redemption as a repression to a consumer credit agency. The account is still incorrectly reported as a repression rather than a redemption with the account paid in full and closed. I have contacted both the credit agency and XXXX XXXX XXXX XXXX . to have the inaccurate report removed. I confirmed with a XXXX XXXX customer service agent that the account states the loan was paid in full, transferred to a different financial institution, and closed. Nonetheless, the account was incorrectly reported as a repossession. I am having a difficult time correcting the matter with XXXX XXXX and on my credit report. Apparently, there is no one in the dispute resolution department that I can speak to verbally to confirm the information. After being subjected to unlawful emotional and verbal abuse as a paying customer, I am still enduring financial harm due to the inaccurate report to the credit bureau. This is a mistake on the part of XXXX XXXX , yet I am having to spend an inordinate amount of time contacting the financial institutions, issuing paperwork, and documenting all the communication. I fear XXXX XXXX will continue to provide incorrect information and subject me to financial and professional harm.
04/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75241
Web
I purchased a timeshare at the XXXX in XXXX XXXX on XX/XX/XXXX, under the impression that the timeshare would not appear on my credit. I asked the agent XXXX would it appear on my credit, because if so I can not get the timeshare. I explained to her that I was going to be buying a house in XXXX for my son 's, my mom and I. She told me that it would not be on my credit and that XXXX XXXX owns the property and that they would not run my credit. I am a single mom and all I ever wanted to do is be able to purchase my first home for my family and I. I thought XXXX was looking into why this happened but unfortunately she did not. I continue to get calls from people who try to get me to upgrade and say they are with XXXX. I always tell them no and explain to them that I have been misled into buying a timeshare and I need to talk to someone so I can get out the timeshare and give it back to XXXX. I enjoyed the stay at XXXX and was very happy to buy the timeshare but had I known it was going to be put on my credit I would have waited until after I purchased my home then gotten the timeshare. Everyone I talk to at XXXX said I had 10 days after purchase to cancel the timeshare, but the timeshare did not appear on my credit until after the ten days had pass. I have worked so hard to build my credit and position myself to be able to buy a home. The day I went to meet with XXXX, I asked her how long the meeting would take and she said not long. I was at the meeting for more than 5 hours. When I got to the meet I was intoxicated and needed rest and water. She was nice enough to make sure someone brought me water while I was at the meeting. She also told me she would help me rent my room out to make money, which she never did. I have been lied to and tricked into this time share. I sent all the text messages to XXXX XXXX XXXX member XXXX XXXX and all she did was give me the run arounds like the rest of the people working for XXXX. She asked me to send her the text messages between XXXX and I, I sent them to her. XXXX told me that she could not tell that the messages was from XXXX, although XXXX phone number was on top of every text message, then XXXX said my contract with them is still valid. So in other words XXXX did not do nothing wrong under their company procedure. I have continued to make my payments to XXXX because I really like XXXX and did not want to ruin my credit with a foreclosure and ruin my opportunity to purchase a home. I have ask XXXX to take the timeshare back, refund my money and remove it from my credit and they refuse to. Everyday I find myself going into a XXXX, because how could this company be on my credit as a mortgage and I can only get the room every odd year. Had I not been XXXX I would had never commented to this.
05/09/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 76903
Web
The following Inquiries have left hard inquiries that I did not authorize or was falsely explained to that it would NOT impact my credit. -- Was first told it was a soft pull like " utilities '' and then when I tried to talk to someone there when it showed up I was passed around for an hour and then told to just file a dispute with the Credit Companies. XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX, CO XXXX ( XXXX ) XXXX -- ( three companies same issues on inquiries ) Did not even get or ask for credit from these people. They told me that did it to see if I qualified and couldn't even let me know where they obtained my information XXXX Inquiry from XX/XX/XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX -- This company I was talking to about a student loan. Before I finished the application they informed me that I could not defer the loan and I asked to cancel the application. They called me back and said I qualified for a small loan. I asked them later to remove the hard Inquiries and they said that they weren't able to at all. They have TWO hard inquiries. XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX - XXXX XXXX has run my credit three times! I tried signing up for a student loan once when my credit was brand new. I asked them to remove their inquiries and they literally told me that it would take a lawsuit to remove the inquiries (? ) XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX - I have no idea who this following company is, and they don't even have an address or phone number that I can even call to question their inquiry XXXX XXXX. Inquiry from XXXX XXXX, XXXX -- The company doesn't even have a place that I can contact to dispute the inquiry. XXXX XXXX Inquiry from XXXX XXXX, XXXX -- A local bank isn't even allowing me to question the second inquiry when they told me that they were not re-running my credit. And they said I need to call that department to request it removed. And there is no department listed or even anywhere to ask for the service to be looked over. XXXX XXXX Credit Inquiry from XX/XX/XXXX XXXX XXXX Credit Inquiry from XX/XX/XXXX -- XXXX Has issued an authorized Credit Pull. I got a card from them almost four months ago and now there is a new credit pull that I did NOT authorize. XXXX XXXX XXXX Inquiry from XX/XX/XXXX,
07/31/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60629
Web Servicemember
Recently, I did an investigation on my credit report which caused serve XXXX upon me and I found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) and the understood STANDARDS of acceptable lawful COMPLIANT REPORTING STANDARDS such as the METRO 2 XXXX Points of Compliance and other potentially applicable standards and or regulatory requisites of reporting I am rendering this officially writ consumer CHECK OF COMPLIANT REPORTING and CHALENGE versus any and all DEFICIENCIES of reporting and or inability to DOCUMENT factual reporting verifiability of validness, truth, accuracy, completeness, timeliness, ownership ( XXXX ) of responsibility, and or certifiability of the mandated compliant PROCESSES of reporting and mandatorily perfect complete certifiable METRO 2 FORMAT compliance of reporting standard ( XXXX ). Beyond this, I am practicing my right to challenge questionable information reporting that I have found on my personal credit report, be it due to potentially erroneous and or misleading claims/data, or be it due to UNVERIFIABLE or INVALIDATE and or not CERTIFIABLY COMPLIANT REPORTED claims REGARDLESS of circumstances else wise. REPORTING REQUISITES and standards of appropriate reporting are MANDATES NOT OPTIONS of reporting, even correct true claims NOT reported precisely according to requisites of certifiable compliant reporting PROCESS and or FORMAT ( ie METRO 2 DATA FIELD FORMATTED reporting 's ) are DEFICIENT of report-ability if not ABSOLUTELY documented and provable. I do not recognize the information listed below as having ever been demonstrated factual in reality much less certified compliantly reported in the mandatory processes of reporting and with the factually perfect and complete certified mandated format ( METRO 2 ) of reporting standard ( XXXX ). For the preceeding reasons among others, I here now EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY REPORTED be reported and DEMAND any deficiencies be ERADICATED else wise. I DEMAND in this lawful request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid or not. OBVIOUSLY at a bare minimum any alleged reporting data furnisher would be necessarily required to at least be able to verify my complete file information EXACTLY AS I HAVE INDICATED ABOVE ANY DEFICIENCIES require IMMEDIATE and COMPLETE ERADICATION of reporting PERMANATELY!
07/17/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CA
  • 94903
Web
I have contacted XXXX, XXXX, XXXX XXXX, and Equifax by certified mail in XX/XX/XXXX and numerous phone calls have been made to XXXX from XX/XX/XXXX to rectify that I had no notice that after my loans have come out of deferral payment was due. This was due to the fact I had moved from XXXX to XXXX after my graduation from XXXX XXXX program from XXXX to take a XXXX position in the XXXX XXXX area. I started work in XX/XX/XXXX as a XXXX in the XXXX XXXX of XXXX and filled out a mailing address change. I never received any notification from XXXX about my federal loans being late. When I contacted them in XX/XX/XXXX after I had run my credit report, they were accommodating and refinanced all my federal student loans. But they never removed the lates from my credit report. I had several calls with them to remove the lates as they had changed the designations as administrative deferrals for the time period we discussed in XX/XX/XXXX. Being a XXXX is busy and I do not have time to be on the phone as XXXX bounces me around to rectify this situation. Needless to say I have sent certified letters to XXXX and all three credit bureaus ( see atttachment ) and have no resolution of the matter to remove all the lates. This is a real impact to me because I have private loans with XXXX that I want to refinance and because of the lates on my 12 accounts with XXXX, this has lowered my credit score which has been going up and now a XXXX. But the banks have denied me due to the lates on my student loans. Which does not make any sense as XXXX refinanced all my federal loans with no problem. So if I was such a credit risk why would they even do that. In addition, since XX/XX/XXXX I have been on time with all my loan payments. In accordance with the Law, Fair Credit Report Act Section 623 ( a ) ( 2 ), XXXX the student loan provider are to update my credit history and has not to date. I have hired a service XXXX XXXX that has written the three credit bureaus and XXXX heavy legal letters dated XX/XX/XXXX and to date all three credit bureaus have not removed the lates and XXXX has not responded. I am reaching out to the CFPB to help me resolve this matter which is impacting my finances and to be able to refinance my private XXXX loans and remove my widowed mom from my private loans as the co-signor. I make a good income with XXXX and am employed as a XXXX of XXXX. Other than the lates incorrectly reported by XXXX, my credit history is excellent. Please help me to recitify this situation and get my credit back in good standing and remove the lates. This will allow me flexibility to refinance my private XXXX student loans and get a low interest rate to help me with my monthly payments. Thank you. XXXX XXXX XXXX XXXX
08/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33137
Web
You are hereby put on NOTICE. Your credit reporting agency is reporting incorrect / inaccurate information my status of the charge off XXXX account has been filed with my 1099C and its now considered income. The status has changed of this XXXX account. It was charged off and I filed the 1099C and it's now earned income and income isn't reported on my consumer report. REMOVE IMMEDIATELY. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal purposes. Your credit reporting agency is inaccurately reporting has damaged my livelihood and my financial reputation. As defined, by the IRS. Even if you didnt receive a Form 1099-C, you must report cancelled debt as GROSS income on your tax return. The IRS clearly defines a charge off as GROSS or Ordinary Income, INCOME DOES NOT GET REPORT ON MY CONSUMER REPORT! Which in fact, makes your reporting of this account inaccurate. By definition, the IRS clearly says a Cancelled or Charge Off is income. The reporting of this account as a debt is inaccurate. I DEMAND you to Cease and Desist the reporting of inaccurate / incorrect information immediately. I've included and attached my 1099C on my income taxes which is now considered income. Income does NOT get placed on my consumer report. Charge Offs The IRS says if the amount of over {$600.00} 1099C cancellation of debt. I filed taxes as realized as Earned income with my 1099C. Income doesnt get reported on my consumer report. So if I got my 1099C how is it being reported as a debt. So if I file it as income the status of the account has changed. It's not debt anymore it's income I filed my taxes. If it's income it's an inaccurate account. According to as it pertains to FCRA is inaccurate you must take it off my consumer report. 15 U.S. Code 1681e ( b ) - Compliance procedures | Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Note : The status has changed what you reported is inaccurate. So how is your consumer reporting agencies maintaining maximum possible accuracy when in an incorrect item. DELETE this XXXX account immediately. I demand XXXX and Equifax to follow the law. XXXX recently removed it or I will have to enforce in monetary with state attorney. I've also included a factual dispute chart with discrepancies : High Credit : XXXX {$16000.00} vs. Equifax {$30000.00} Date Last Active : XXXX XX/XX/XXXX vs. Equifax XX/XX/XXXX Date of Last Payment : XXXX XX/XX/XXXX vs. Equifax XX/XX/XXXX
08/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • FL
  • 32404
Web Servicemember
This is the third time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 3 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately, which I am sure you are already aware of. You failed to verify & validate all data for the following accounts, please remove IMMEDIATELY : Account Name : XXXX XXXXXXXX. Account Number : XXXX ; Account Name : XXXX Account Number : XXXX ; and Account Name : U S DEPT OF ED, Account Number : XXXX ; U S DEPT OF ED, Account Number : XXXX ; U S DEPT OF ED, Account Number : XXXX ; XXXX, Account Number : XXXX ; XXXX, Account Number : XXXX ; XXXX, Account Number : XXXX Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed.
08/20/2015 Yes
  • Credit reporting
  • Credit reporting company's investigation
  • Problem with statement of dispute
  • IN
  • 46052
Web
Letter from XXXX in response to identity theft : XXXX XXXX XXXX XXXX XXXX, IN XXXX Number : XXXX XXXX XXXX, Thank you for contacting XXXX XXXX. It was my pleasure to have assisted you in completing your case. An Extended 7 Year Fraud Victim Statement has been added to your credit report as of XXXX/XXXX/2015. This alert will encourage creditors to contact you before approving new applications. It is also suggested you report your identity theft case to the Federal Trade Commission. You may contact the Federal Trade Commission by calling XXXX or obtain more information on their website at http XXXX I have also attached fraud dispute letters for you to submit to Equifax and XXXX. Please review, sign, and include your full Social Security Number and Date of Birth at the bottom of each letter, along with a copy of a Police Report. Including a copy of the Police Report with the dispute letters is highly encouraged and suggested. You may also include an Email Address so that the credit bureaus can send the results of your investigations directly by email. We recommend sending your correspondence certified, return receipt, but you may also send it by regular U.S. Postal Mail to : EQUIFAXXXXX Information ServicesXXXX XXXX XXXX, GA XXXX Victim AssistanceXXXX XXXX, PA XXXX followed this advice and sent the following letter to Equifax along with copy of police report : Equifax Credit Information ServicesXXXX XXXX, GA XXXX Whom It May Concern : This is a follow up letter to the phone call I placed to XXXX XXXX XXXX regarding the fraudulent activity that is listed on my credit report. Fraudulent Inquiry : XXXX XXXX/XXXX/2015 - This is not my inquiry. This inquiry was applied for fraudulently by someone using my personal information without my knowledge or authorization. I have already contacted this company to alert them of this fraud. Please remove this from my report. Once the fraudulent information has been deleted, please send me a copy of my corrected credit report. If you have any questions I can be reached at ( XXXX ) XXXX. I look forward to hearing from you soon. Sincerely, XXXX XXXX XXXX XXXX XXXX, IN XXXX : XXXXXXXXXXXX : XXXXDOB : XXXX response to this was as follows : XXXX We have reviewed the inquiry information for XXXX. The results are : Inquiries are a factualrecord of file access. Should you have reason to believe this inquiry was unauthorized, Please contact the creditordirectly and follow their internal fraud procedures. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX COMPLAINT : EQUIFAX DID NOT PROPERLY RESEARCH THIS INCIDENT OF IDENTITY THEFT AND DID NOT DELETE THIS FROM MY CREDIT REPORT.
06/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AZ
  • 85142
Web
just XX/XX/XXXX i filed a dispute on a item i have no written instructions with any accounts on my credit profile, one in particular was deleted and resinserted the same day causing extreme harm to my credit report. i contacted XXXX and the creditor they just ask or payment and do not follow the law. i have massive violations that is keeping me from obtaining housing my family and i hve to leave this XXXX in 45 days an i can not acquire housing due to massive improper reporting. these items are in well over XXXX in violations just on 1 account i have found several account in all which are reporting negative should be deleted immediatley. cfpb my rights have been violated, im seeking immediates relief on all my reports. 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 states : a consumer reporting agency can not furnish a account with out my written instrutions. also the credit bureaus took more than 30 days. i also was not notified with in 5 days of many disputes on my profile i have several different amounts from account on my profiles which need to be removed and inquiries off of my XXXX report as well. these things are more violation as well as improper names on XXXX XXXX should be listed only only address is XXXX XXXX XXXX XXXX XXXX XXXX nothing else. these items on my credit report have severly damaged my life prevent me to acquire housing al the u.s.c codes that have been broken is ridiculous. i have reached out mutiple times on accounts and they just want payment not follow the law. i would like monetary action and or immediate removal of each negative account as follows equifax has 8 addresses and a southwest job listed with out my permission and multiple names should only be XXXX XXXX no middle XXXX reporting jobs inaccurately. my entire account profiles do not match as they should from all three bureaus XXXX reporting a balance of XXXX equifax reporting a balace of XXXX XXXX reporting balance of XXXX XXXX has 11 inquiries that should be removed there is a bankruptcy listed on all three that should be removed. i have the following accounts on all three reports that need to be deleted XXXX XXXX # XXXX on all three reports {$20.00} collection : : : XXXX XXXX XXXX # XXXX on all three reports {$880.00} XXXX XXXX # XXXX is reporting open when its closed and also reported several late pays, remove this account immediately plus amount is incurrate {$660.00} XXXX XXXX # XXXX {$480.00} XX/XX/XXXX XXXX XXXX # XXXX {$460.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXX # XXXX {$2600.00} XX/XX/XXXX XXXX XXXX # XXXX {$940.00} XX/XX/XXXX bankruptcy XXXX please investigate all these items and delete
08/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 75232
Web
On XX/XX/XXXX I mailed a letter to Equifax .Consumer Financial Protection Bureau. , I, the American consumer am alarmed at recent news reporting that Equifax provided inaccurate credit scores for potentially millions of consumers to numerous financial institutions relating to my credit applications. The report quotes one Equifax executive, who said, Initial analysis indicates that only a small number of them may have received a different credit decision, and the CEO saying, The impact is going to be quite small, not something thats meaningful to Equifax. Equifaxs latest egregious abuse of consumers and its leaderships teams efforts to downplay the harm is yet another example of harm caused by what is quickly becoming a recidivist bad actor, and I urge you to use the full extent of your authority to hold Equifax and its leadership accountable. This incident comes five years after Equifax announced one of the largest data breaches in the history of our country, exposing the personal information of more than XXXX XXXX individuals, including myself. These numbers are false, these errors have affected everybody including me. Furthermore, you the CFPB took another enforcement action against Equifax in XXXX for violating several consumer financial protection laws for deceiving consumers about the value of the credit scores they sold, deceiving consumers into enrolling in subscription programs, and engaging in illegal advertising practices. They are still violating several CFPB laws. Based on Equifaxs initial actions in response to this matter, I am deeply concerned that I, the harmed consumer will be promptly identified, notified, or even made whole? Moreover, Equifaxs repeated violations of law that have also resulted in I, the consumer harm warrant a more robust enforcement action, instead of the typical regulatory fine that amounts to the cost of doing business. I demand that Equifax deletes these accounts from my consumer credit report and never furnishes this information again. I repeat. Equifax, you do not have my permission nor my consent to furnish any of these accounts on my consumer credit report. Therefore, I intend to utilize all tools available to me to ensure I, the harmed consumer are promptly made whole from our broken consumer credit reporting system going forward. Equifax providing any credit scores to financial institutions should cease until they can demonstrate to your satisfaction that they have the necessary systems and controls to ensure each credit score they provide on millions of us consumers is verified to be accurate before distributing them to financial institutions. I appreciate your attention on this matter, and I look forward to your response.
06/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11374
Web
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This ground for removal they also violated my rights under 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 Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX You are reporting false information. I requested an investigation be done, and its obvious that you did not use the maximum possible accuracy or procedure to create the maximum possible accuracy. I gave you the account number and the problem thats being reported on my credit report when its not my debt. I asked you to do an investigation since XX/XX/XXXX I've called and spoken to you guys several times and just end up on the phone with people who arent willing to help and do their jobs. it's unfortunate to keep dealing with this nonsense. Your investigation was done in an improper manner. You were negligent in your investigation. Your whirlpool in your investigation and you're leaving me with false credit reporting. I'm protected by law according to FCRA, 15 USC 1681. I'm entitled to take legal action against you for doing a lousy investigation. A real investigation means you review documents, you talk to people, and you do whatever a reasonable investigation would require to get to the truth. I am XXXX XXXX, stating that the accounts you are reporting are false and do not belong to me. You're violating my rights according to the FCRA The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. You stated the account was verified, but how is that possible if you did not do a proper investigation according to the law? Also, every piece of information on this account is still not 100 % accurate because this DEBT does not belong to me and, according to the FCRA, 15 USC 1681, everything has to be 100 % accurate. The Fair Credit Reporting Act ( FCRA ) has very favorable damage provisions for citizens of both negligent and willful violations. FCRA 1681o applies to negligent violations of the Fair Credit Reporting Act
07/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32807
Web
The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal. they are continuing to violate my rights and this causing deformation of character because of the inaccuracies on my credit report. They also violated my rights under : 15 U.S. Code 1681s section 8 ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion. They also violated my rights under : 15 U.S. Code 1681i section 5. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. They also violated my rights under : 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. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. These accounts are : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
06/04/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 77054
Web
I began aggressively disputing the below accounts since XX/XX/XXXX when I noticed they was charged off.

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX ( FOUR ACCOUNTS ) XXXX 5 ) XXXX XXXX XXXX ( been disputing since XX/XX/XXXX) XXXX My initial dispute online was I no longer had a valid contract with the companies and the accounts needed to be deleted because with the charge off the company had wrote off the debt and sold the debt to a 3rd party therefore it wasnt a valid contract with the them anymore and was legally now considered inaccurate reporting.

In response the credit bureaus 1 ) told me the debt was valid, 2 ) reported it as fraud and 3 ) changed the status of the account from charged off and closed to charged off and open. None of which addressed my complaint.

Because of their response, although neither of which was my complaint, I then sent TWO letters ( XXXX and XXXX XXXX ) asking for validation for the debt since they were stating it was a verified debt.

What I received in response was a letter stating to call the company and a letter stating no changes would be made because they verified the account. I was even told my dispute was frivolous. Nonetheless, NO ONE FROM THE BUREAU HAS GIVEN ME PROOF WITH MY SIGNATURE THAT I OWED The DEBT NOR HAVE ANYONE BEEN ABLE TO JUSTIFY THE REPORTING OF AN ACCOUNT THAT DIDNT HAVE A VALID CONTRACT.

FCRA rules states that it is the reporting agencies obligation to defend the accuracy of the information THEY are reporting. It is NOT the consumers obligation to call the creditors to figure out what is going on. Nor is it ethically moral to tell someone their inquiries are frivolous especially when I have legit concerns with the reporting of inaccurate information. I have sent in identity theft report ( as required by the bureau ), yet no one has deleted these accounts when I have proven they are not mine nor can a simple contract with my signature be given to me.

Inaccurate reporting is occurring because : 1 ) Since the bureau assist on the validity of the account, the charged off account no longer has a valid contract and the credit bureau cant furnish evidence of such valid contract and it is 90 days into the investigation. 2 ) The original creditor has sold or transferred the debt to a collection agency, but a past due amount is still reporting, which is illegal according to FCRA rules. 3 ) The bureau claimed to have investigated the validity of the account ( something they initiated and I followed up on ), but have been unable to furnish undisputable evidence, with my written signature, of such validation and it is now 60 days into the investigation.

07/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 70726
Web
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. XXXX Name : XXXX, XXXX, XXXX, XXXX, XXXX XXXX AddrXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : TOTAL XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXXXXXX 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 Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXXXX/XX/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 Collections : 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 XXXXXXXX Equifax Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX & XXXX XXXX
07/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30046
Web Servicemember
I, XXXX XXXX, as a consumer, living man and one of the People mentioned in the Constitution for the United States of America, am aware of all my reserved rights, protected by the Constitution for the United States of America, all state constitutions, and by Congress under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S. Code 1681a ( b ), " the term 'person ' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), 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. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), A person shall not furnish information relating to a consumer to any consumer reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Pursuant to FCRA Section 602 ( a ) /15 USC 1681 states that I have a right to privacy. Pursuant to FCRA Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) Section 804/15 U.S. Code 1692b, " any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ... ( 2 ) not state that such consumer owes any debt ; and ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The FDCPA Section 803 ( 6 ) /15 U.S. Code 1692a defined debt collector/person, XXXXXXXX XXXX XXXX does not have my written instruction to furnish any alleged debt on my consumer reports, especially one that is hearsay evidence, nor any of my personal information disclosed or my alleged involvement with the alleged debt by another person ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX must adhere to a consumer 's right to privacy. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights multiple times and for years now. Pursuant to 28 U.S. Code 1746, I, XXXX XXXX, verify under penalty of perjury under the United States of America that the foregoing is true and correct. Executed this day XX/XX/2022. XXXX XXXX XXXX
08/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48706
Web Servicemember
I asked the XXXX credit reporting agencies to do a thorough verification of what is on my credit report. They stated everything was accurate and a door research I did a thorough research myself and I found improper and inaccuracies on the credit report Even after they did their investigation. In accordance with the fair credit reporting act XXXX XXXX # XXXX date opened XX/XX/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 604A section to it also states a consumer reporting agency can not furnish an account without my written instructions. In accordance with the fair reporting act XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX has violated my rights. 15 U.S.C. 1681 section 602 A states I have a right to privacy. 15 U.S.C. 1681 section 604A section to it also states a consumer reporting agency can not finish account without my written instructions. The Credit Reporting agencies did not do a Thorough investigation. On XX/XX/XXXX I filled out XXXX application on the XXXX XXXX app for a {$5000.00} loan for the XXXX XXXX XXXX They denied the loan I have an email with the denial. Somehow they kept my application open and recycled the loan document and funded the {$5000.00} loan without my permission and XX/XX/XXXX. I never gave them permission to use my signature for another application. I called the XXXX XXXX they only have a signature from XX/XX/XXXX and they said that it was an electronics signature. They do not have a signature for that XX/XX/XXXX loan. I am immediately reverse the money And sent it back to XXXX XXXX on XX/XX/XXXX. I called them let them know that I did not take out a loan and I do not want their money. The bank manager wrote a letter for me stating that I never touch the money and gave me the federal trace ID when I sent the money back. XXXX XXXX wanted me to pay a {$470.00} Origination fee for their loan. Since Ive never took a loan with them XXXX not responsible for the origination fee. I hired an attorney to write a letter to XXXX XXXX explaining that I did not open alone with them. They will not listen to me and they charged off the loan then sold it to XXXX XXXX XXXX for {$470.00} but XXXX capital can not produce any documentation with my signature on it. When I look at the credit report XXXX XXXX XXXX says this loan came from web bank when it came from the XXXX XXXX I have been fighting with them for over a year to get this taken care of. Equifax and XXXX have removed XXXX XXXX from my credit report but XXXX XXXX is keeping it there they said its verified but they do not have a copy of the original contract for the XXXX XXXX.
05/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30043
Web
I sent a letter regarding inaccurate personal information, negative accounts and 2 late payments reported on my credit report. To this day over 60 days later I have not received a response yet. I sent letters to all 3 bureaus, I am being wrongfully accused of these delinquent, charged off accounts. This represents myself as an irresponsible individual. I'm being taken advantage of and being ignored of my disputes, which is costing me my life. No apartment is willing to accept my application, no mortgage lender will provide me home loans. I am STUCK for something they reported inaccurately!!! Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. Account Name : BANK XXXX XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! Account Name : XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! Account Name : XXXXXXXX XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! Account Name : XXXX XXXX XXXX Account Number:XXXX Inaccurate payment history reported, REMOVE Two - 30 Day Past Due remarks reported immediately ( XXXX, XXXX & XXXX, XXXX ) I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report!
08/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TN
  • 37343
Web
I sent a letter out on XX/XX/2022 to XXXX, XXXX, and Equifax. Here are my tracking numbers : XXXX tracking number : XXXX, XXXX tracking number : XXXX, and Equifax tracking number : XXXX. However the credit bureaus said that they completed the investigation and everything was 100 % accurate. How is that when the account number is incorrect, the account type is incorrect, the account status is incorrect, the monthly payment is incorrect, date opened is incorrect, the balance is incorrect, payment status is incorrect, last reported is incorrect, date last active is incorrect and the date of last payment is incorrect? According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? How did they complete this investigation? One more thing, I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) - There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 USC 1681b ( a ) ( 2 ) - In accordance with the written instructions of the consumer to whom it relates 15 USC 1681i ( 5 ) ( A ) ( i )- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 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. I did not give anyone written instructions.
05/08/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30042
Web
I re cently decided that I 'm ready to buy a home. I pulled my credit report from ALL XXXX Bureaus and there 's nothing but inaccurate information and accounts that do n't belong to me. A while ago my purse was stolen and I have n't applied for anything since. I mainly bought things in CASH. However, not realizing that paying in CASH is n't always the best option. I am beyond furious with these reporting agencies. It seems as though they 'll report ANYTHING even if it does n't belong to you. I filed another police report for IDENTITY THEFT and still NO RECONCILIATION. I 've even taken taken the liberty of contacting ALL listed collection agencies asking for PROPER DEBT VALIDATION w/ SIGNATURES and still nothing.I am ready to close on my new home but these fraudulent accounts must removed prior to my close date in XX/XX/XXXX . He re are the following fraudulent accounts : * XXXX **- XXXX XXXX : XXXX , XXXX XXXX : XXXX ( this seems to be a credit card that I 've NEVER HAD and it looks as though this company is VIOLATING PROTOCOL and REAGING this account, PLEASE SEE FCRA GUIDELINES TO FAMILIARIZE YOURSELF WITH FCRA REGULATIONS ) ; XXXX XXXX XXXX - XXXX INQUIRIES : XXXX - XX/XX/XXXX , XXXX XXXX XXXX XXXX - XX/XX/XXXX , XXXX XXXX XXXX - XXXX XXXX - XX/XX/XXXX , XXXX - XX/XX/XXXX , **EQUIFAX** - XXXX XXXX XXXX : XXXX , XXXX XXXX XXXX : XXXX , XXXX XXXX XXXX : XXXX , XXXX XXXX : XXXX , XXXX XXXX XXXX ( this company is reporting twice and it looks as though someone had household goods, mind I bought my furniture CASH years ago and I do n't apply for credit unless it 's with XXXX XXXX ) ; XXXX XXXX : XXXX ( this seems to be a credit card that I 've NEVER HAD and it looks as though this company is VIOLATING PROTOCOL and REAGING this account, PLEASE SEE FCRA GUIDELINES TO FAMILIARIZE YOURSELF WITH FCRA REGULATONS ) ; XXXX XXXX XXXX - XXXX ; XXXX XXXX : XXXX , XXXX XXXX : XXXX INQUIRIES : XXXX XX/XX/XXXX - XX/XX/XXXX , XXXX XXXX XXXX - XX/XX/XXXX , XXXX XXXX - XX/XX/XXXX , XXXX XXXX - XX/XX/XXXX XX/XX/XXXX , XXXX - XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX - XX/XX/XXXX , XXXX - XX/XX/XXXX ** XXXX **- XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX , XXXX XXXX : XXXX , XXXX XXXX XXXX : XXXX , XXXX XXXX XXXX : XXXX INQUIRIES : XXXX - XX/XX/XXXX , XXXX XXXX XXXX XXXX - XX/XX/XXXX , XXXX XXXX - XX/XX/XXXX , XXXX XXXX XXXX - XX/XX/XXXX
08/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NV
  • 89166
Web Servicemember
Part of several Equifax data breaches where my information was sold XXXX. These data breaches affected me socioeconomically and placed my family at risk. For years, Equifax was reporting my scores low. Filed many complaints with CFPB against Equifax, however, no changes occurred. As I result of the incorrect Equifax score ; I have been denied financial products and given higher interest rates on credit cards and worse financial terms because Equifax is reporting that I am considered a credit risk. XXXX XXXX Credit Specialist at XXXX XXXX XXXX - California, charged me {$200.00} just for credit analysis. I was denied a XXXX ( " XXXX '' ) loan which could have changed my life in a positive way. Thousands of hours of the YEARS - emails sent out, hundreds of CFPB filed, reports with FTC, reports with OIG USPS due to mail being stolen as the data breaches helped criminals target me, typing up letter correspondences and sending it to the CRAs to verify identity to update my address, place blocks, take off accounts that didn't belong to me, contacting hundreds of third party data companies telling them to opt out they didn't have my permission to sell my information, and nothing changed. Since the data breach, I had to move as I have been tracked by psychotic criminals and if you don't think that is a big deal- they stalk my family. My children were recently hit on their bikes by these dangerous criminals and suffered injuries with $ XXXX in medical and attorney bills with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX. Over the years, they have hacked my credit cards, bank accounts, stole my mail after getting my address - stole everything thanks to your data breach. I paid XXXX {$100.00} for their monitoring service because Equifax didn't provide me with one after the data breach. When I contacted XXXX, they tried to deny I was a part of any Equifax breach. Told the Equifax Breach Settlement Administrator that I had losses from unauthorized charges to my accounts, many of which I had to close as I became a victim of identity theft. Lost history due to closures. The third parties that Equifax sold my information too not sure who they are, however ; I am a Veteran. I had to change my number 15 times due to identity theft- XXXX charged me a total of {$540.00} - {$36.00} dollars per number change. My family 's lives are forever impacted being victims of identity theft. Equifax data breach has led to serious impact on my family 's private life to include humiliation, discrimination, financial loss, physical, and emotional damage and even threat to life.
06/19/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • FL
  • 33436
Web Servicemember
To Who m It May Co ncern XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX . XXXX XXXX XXXX , TX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX , XXXX SOC S EC # XXXX DOB XXXX / XXXX / XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX To Who m It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) liste d below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX I HAVE BEEN LIVING THERE SINCE XXXX / XXXX / XXXX Have enclosed XXXX bills PLEASE UPDATE MY CUREN T ADRESS AD DRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX BELOW IS NOT MY ADRESS XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX MY CORECT NUMBER XXXX CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance wit h 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that yo u investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. Furthermore, pursuant t o 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the p ast six m onths. Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the ite m ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comp ly with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. XXXX XXXX SS # XXXX DOB XXXX / XXXX / XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX
07/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33839
Web
XXXX XXXX is showing up on Equifax and XXXX twice reporting 149 to 180 days past due when the account shouldve been in deferment. I had filed for deferment for six months and while I was on deferment they were reporting payments as being missed. I had them backdate my deferment and the Representative did not backdate payment. So I have two XXXX XXXX that need to be updated or removed from Equifax and XXXX. They need to updated the account as current or just remove it since it's from XXXX They also sent me to collections with US Department of ED/XXXX while I was in deferment or I thought I was supposed to be per their agent over the phone. The collection account is showing twice on my XXXX report called US Department of EDXXXX and XXXXhat needs to be update or remove all together Thats what caused this issue I'm having. I also filed another six-month extension on my deferment And since the last one was backdated I did not need to backdate Second deferment of my payments. Next thing I know Im being sent to collections to the XXXX XXXX XXXX XXXX XXXX. I have worked with a company and gotten most of these taken off my report but there is one in 2 XXXX XXXX and one XXXX XXXX that was paid on time. All three accounts are closed however two of the accounts are showing 149 to 180 days past due that need to be removed. Since it was in for XXXX that information is incorrect and should be removed and updated with never late/current/closed account The date that this was closed was XX/XX/2016 for both accounts. For my XXXX and Equifax Report the exact same thing is happening however on XXXX and Equifax there is only one past due account. The bank fix the other one when I disputed the account. There's only 2 one accounts. 1 one of them says current and the other 1 one says 149 to 180 days past due. This is the one that was closed in XX/XX/2016. Since the account was in deferment and the payments were backdated there should be no missed payments. And the status of the account should say never late/current/closed account. I did a total total of 12 deferred payments and 10 of those were backdated. For XXXX neither account shows up on this report because I had them dispute it off and the bank removed them. I dont know why the bank hasnt removed all of them from all of my reports but every time I dispute the ones on XXXX and Equifax they tell me everything is correct now. However on XXXX there are two accounts that have the student loan company put two collection accounts on my XXXX report which needs to be update to current or just deleted all together its called US Department of EDXXXX
04/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30126
Web
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3300.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} o XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$810.00} o XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX Date XXXX o XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX o XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Date Opened : XX/XX/XXXX o XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} EQUIFAX : o XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$980.00} o XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$810.00} o XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date XXXX o XXXX XXXX A ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX o XXXX XXXX A ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX o XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX : o XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} o XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
08/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AZ
  • 85323
Web
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXXXXXX XXXX Inquiries : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collecons : XXXX XXXX DEPTEDXXXX XXXX DEPTEDNELNET XXXX DEPTEDXXXX XXXX DEPTEDNELNET XXXX DEPTEDXXXX XXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX BANK AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
08/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AZ
  • 85323
Web
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXXXXXX XXXX Inquiries : XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX BANK AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX : XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
08/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19401
Web Servicemember
In reference to the accounts listed by XXXX. In accordance with the Fair Credit Reporting act XXXX # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX # 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 a account without my written instructions In reference to the accounts listed by XXXX. In accordance with the Fair Credit Reporting act XXXX XXXX # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, # 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 a account without my written instructions In reference to the accounts listed by Equifax. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, # # # # # # # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX # # # # # # # 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 a account without my written instructions
08/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AZ
  • 85339
Web
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. XXXX Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Public Record XXXX XXXX XXXX Bankruptcy XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Employers : XXXX XXXX XXXX XXXXXXXX XXXX Addresses : XXXX XXXX XXXX XXXX # XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Public XXXX : XXXX XXXX Bankruptcy XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax Employers XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Public Record XXXX XXXX XXXX Bankruptcy XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • SC
  • 29456
Web
I have just pulled my credit report and noticed 6 Delinquent Closed collections from XXXX. I am sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are involved with this debt, and there is/was some contractual obligation which is binding on me to pay this debt. I have sent validation request letters to all 3 credit bureaus ( Equifax, XXXX, and XXXX ) via certified mail. Letter of sale or assignment from the original creditor to another company is reflected on my credit reports, however the balance amounts, origination dates, and payment delinquencies are not matching with the 3 major credit bureaus ( Equifax, XXXX or XXXX ). Although this account reads closed/ sold, it is unacceptable for this to remain on my credit report, as this reflects negatively on my credit rating. I have no proof this account is mine. I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. Why are pursuing collection activity on a paid account in the first place? This is definitely harassment and is a violation of the FDCPA under 15 USC 1962e : Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to the debt. It should be read Paid as Agreed/ Closed or be completely REMOVED from my consumer reports. Invalidated information from any of the 3 major credit bureaus ( Equifax, XXXX or XXXX ) on my credit report may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by XXXX or any representative is a violation of consumer rights. I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
08/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 44313
Web
On XX/XX/2022 I mailed you a letter disputing Bankruptcy information contained in consumer reports compiled, maintained, and published by you, allegedly concerning the following As per U.S.P.S. records, you received my dispute letter on XX/XX/2022 ( Equifax ), XX/XX/2022 ( XXXX ), and XX/XX/2022 ( XXXX ). Accordingly, as per the FCRA, you were required to conduct a reasonable investigation and delete the disputed information as I requested before the end of the 30-day period on the date on which you received my dispute letter. Here, you received my dispute letter on XX/XX/2022 ( Equifax ), XX/XX/2022 ( XXXX ), and XX/XX/2022 ( XXXX ) ; therefore your response was due on or by XXXXnote 30 days+. Instead of sending me a response letter with the results of your investigation of the disputed information, you mailed me a letter dated XX/XX/2022 ( XXXX ), XX/XX/2022 ( XXXX ), XX/XX/2022 ( Equifax ) claiming you verified the information as accurate. Clearly, you have willfully failed to delete the disputed information as I have requested. Instead of deleting the disputed information you willfully failed to conduct a reasonable investigation of my dispute because you verified the information as accurate. However, your excuse or assumption is not a valid reason under the FCRA to not reinvestigate my dispute. Note, that you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of the information contained in my consumer file as per the FCRA. Your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX As a result of your conduct as described above, you shall promptly delete the disputed information. Be advised, that this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such an investigation has expired and shall not be extended by law. Within 10 days delete the disputed information as requested. XXXX XXXX has removed this item from my report due to unverifiable and I demand it be removed from my credit file permanently. Remove any bankruptcy from my credit report immediately and any accounts that are associated or listed as including : Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # : XXXX Account Name : Bankruptcy Account # XXXX Account Name : Bankruptcy Account # XXXX
08/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77021
Web
FCRA violations : inquires not mine XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXXXXXX XXXX XXXX TX Date assigned XX/XX/XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 1 year 8 months 6 days 2 Other XXXX XXXX XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 2 years 1 month XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 5 years 1 month 6 days XXXX XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 7 years 11 months 30 days XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 11 years 28 days XXXX - XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 15 years 1 month 11 days XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 1 month 8 days XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 7 months 17 days 5 FCRA violations XXXX payments never late XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 7 years 9 months 11 days XXXX XXXX XXXX / XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 4 months 15 days XXXX XXXX XXXX XXXXXXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 1 month 6 days 4 FCRA violations : accounts not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, LA XXXX Dispute this Previous address XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, LA XXXX Dispute this
05/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 77532
Web
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. invalid inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 2. invalid inquiry XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 3. invalid inquiry XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 4. invalid inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 5. invalid inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 6. invalid inquiry XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 7. invalid inquiry XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 8. invalid inquiry XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 9. invalid inquiry XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 10. 15 U.S. Code 1681n Civil Liability for willful noncompliance XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 11. FDCPA section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 12. 15 U.S. Code 1692g Validation of debt XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Thank You Sincerely yours, XXXX XXXX
07/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60401
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX To whom it may concern I received a copy of my credit for it with the intentions of trying to improve my credit and take on my responsibilities and noticed a few accounts and I dont want and would also like a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 % sure if they are. I also read something called the fair credit reporting act where it said by law. I had the right to challenge anything I am not sure is accurate. Some of the people Reporting things on me I have never heard of which made me write to you all. Are you familiar with something called 15 USC 1681 ( I ) ( a ) I heard that if you cant provide proof these Account must be deleted. Well, I want these accounts deleted if they are not 100 % percent right and correct. So could you please check on these and get back to me? I saw on a credit site read where a lawyer said you have 30 days to complete this investigation please investigate the following accounts and remove them if anything is missing or not correct on them. Account name XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. Account XXXX XXXX XXXX XXXX investigate if every piece of information is correct, if not please remove it from my credit report. Account XXXX XXXXXXXX XXXX XXXX investigate if every piece of information is correct, if not please remove it from my credit report. Account XXXX XXXX XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. Account XXXX XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. Account XXXX XXXX XXXX XXXXXXXX XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. AccounXXXX XXXX XXXX XXXX XXXXXXXX XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. Account XXXX XXXX XXXX XXXXXXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. I also read where I can get the updated report after you investigate this from the free lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigate outcome to be sent to my address I put on the from area. Thank you for your time and help in this matter
12/21/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 11432
Web
I Requested from the credit bureau equifax on three different occasions, by certified mail and the first time through the online dispute process about incorrect information on my credit file # XXXX and Acct # XXXX. The first time i contacted them was on XX/XX/XXXX via online dispute i informed them about inaccuracies listed for a public record of a bankruptcy that is being reported on my credit file.I also let them know that I was requesting to verify the method of verification used by your agency to list this information on my credit file. According to the bankruptcy court they do not verify bankruptcies with the credit Bureaus.i requested they provide me with the following : 1. The courthouse name ; 2. The name of the person who verified the bankruptcy ; 3. The court address ; 4. The court telephone number ; and 5. The documentation used to verify the dispute. I Also let them know i am aware that According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available And Furthermore, a third-party furnisher of information, such as XXXX XXXX XXXX, or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third party source. According to the bankruptcy court they do not verify bankruptcies with the credit bureaus. demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ) In Response to this they never supplied me with any of the documentation i requested, i mailed two certified mailings to them in response the all 3 of the same responses i was given by them, one was mailed on XXXX/XXXX/XXXX and the third correspondence was mailed on XXXX/XXXX/XXXX, they have only said the information was updated and still remains on my report without providing any proof of this from the bankruptcy court not a third party. they have failed 3 times to provide any of the information i requested so i requested that they Delete this from my credit history but with no success or proper response.
07/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AZ
  • 85301
Web
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. XXXX NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAMES : XXXX, XXXX, XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYERS : XXXX XXXX XXXX XXXX, AZ PUBLIC RECORDS : XXXX XXXX Bankruptcy XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX COLLECTIONS : CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXXXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX SC XXXX XXXX 'S XXXX XXXX XXXX XXXXXXXX EQUIFAX EMPLOYERS : XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX PUBLIC RECORDS : XXXX XXXX Bankruptcy XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 92393
Web
On XXXX XXXX Equifax sent me a letter notifying me that the report they removed off my credit would be put back on. Equifax put XXXX XXXX back on my credit report and damaged it and dinged my credit report XXXX points. Equifax is now reporting false information on my credit report. The loan was for 60 months and started on XX/XX/XXXX the whole loan amount was {$20000.00} with down payment. Equifax is reporting the original loan amount is {$11000.00} false statement, Equifax is reporting the amount I have paid is {$9200.00} false statement I have paid {$17000.00} and at the end of the loan on XXXX XXXX I will have paid {$19.00} XXXX plus my down payment I will have paid over {$20000.00}. Equifax is reporting my remaining balance is {$2400.00} false statement remaining balance is {$2600.00} Equifax is reporting my actual payment amount was {$650.00} false statement I have paid {$17000.00} and at the end of the loan on XXXX XXXX I will have paid {$19000.00} plus my down payment I will have paid over {$20000.00}. Equifax is reporting my remaining balance is {$2400.00} false statement remaining balance is {$2600.00} Equifax is reporting my actual payment amount was {$650.00} false statement my last payment was {$320.00}, Equifax is reporting my last payment date was XXXX XXXX false statement it was XXXX XXXX is reporting 120 days past due false statement. Equifax is purposely and maliciously ruining my credit. I fell out of escrow last year due to Equifax false reporting and not removing account and false information in a timely manor.Equifax sent me a letter of reinsertion and that has wrong and false information.Aparently Equifax does not care about reporting correctly and they dont care to remove a account permanently when information is not correct since I have been complaining about this account for over a year. Equifax removed the false information one time and then put the same false information back on my credit report I have XXXX disputes with Equifax and all are for false or inaccurate information on my report and and over half give or take or for the same account XXXX XXXX. I called Equifax and spoke with XXXX XXXX badge number XXXX and he was to open a dispute and investigate the issue no dispute was ever opened by the EQUIFAX Supervisor.XXXX XXXX has been sued by the attorney general in for bad loans and subprime loans and bad lending practices .A 60 month loan at {$320.00} a month since XXXX XXXX is more then the {$9200.00} being falsely reported since XXXX.
05/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 77073
Web
1. The status is incorrect for the following account XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Under 15 USC 1666B this is a billing Error always paid as agreed on time this is an error this account in Violation. 2. The following account is not mine XXXXXXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 3. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 4. The following account is not mine XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 5. The following account is not mine XXXX XXXX Account Number : XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 6. The following account is not mine XXXX XXXX Account Number : XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 7. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 8. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 9. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 10. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 11. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 12. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 13. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 14. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 15. The following accounts were closed by me and should state that XXXX XXXX XXXX XXXX Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting.
08/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92027
Web
On XX/XX/XXXX, I entered into a lease agreement with XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX. On or about XX/XX/XXXX, I decided to do a lease buyout and purchase the vehicle with a lease buyout loan from my bank. I made my regularly scheduled payment on XX/XX/XXXX as agreed. XXXX XXXX XXXX received the buyout payment from my bank on or about XX/XX/XXXX, and held the funds against my account, but did not apply the proceeds to the lease buyout until on or about XX/XX/XXXX. The lease buyout transaction was completed prior to XX/XX/XXXX. In XX/XX/XXXX, I received a notification on my credit monitoring that my score had dropped over 100 points. I logged into my credit monitoring tool and saw new negative information from XXXX XXXX XXXX, indicating that the account was closed and late. I immediately disputed the information and contacted XXXX XXXX XXXX and demanded they correct the information within XXXX hours as I was in the process of refinancing my home. They came through and reported the corrected information with XXXX and XXXX. However, since they did not respond to the dispute from Equifax, Equifax decided to remove the account from my report for XXXX XXXX XXXX 's failure to respond. On XX/XX/XXXX, I received a notice from Equifax that XXXX XXXX XXXX demanded that the account be re-added back to my Equifax credit profile. The information that was included in the demand for reinstatement contained wholly inaccurate information, indicating that the account was past due and more than 30-59 days past due, with derogatory comments in the additional information block. I again contacted XXXX XXXX XXXX and demanded they correct the information, they submitted changes, but still contained inaccurate information, and continued to affect my mortgage, and other specific FICO scores. At this point, I got into a back and forth with Equifax, XXXX ( the credit monitoring tool I use ), as well as XXXX XXXX XXXX, trying to get the information correct, and all 3 continue to point fingers at each other. I gave up for a while after disputing several times, and then being unable to dispute until recently. On XX/XX/XXXX, I was able to submit a dispute through Equifax against the data in my report regarding XXXX XXXX XXXX. On XX/XX/XXXX I received the results, and XXXX XXXX XXXX has doubled down and added more new and inaccurate derogatory information. This is a clear violation on several fronts of the Fair Credit Reporting Act and needs to be resolved immediately.
10/08/2016 Yes
  • Credit reporting
  • Unable to get credit report/credit score
  • Problem getting report or credit score
  • GA
  • 30008
Web
I contacted Equifax after XXXX car dealerships were unable to view my credit score. They stated that it shows as zero. I requested to have the freeze/fraud alert removed and was assured that this would correct the problem on or about XXXX/XXXX/XXXX. The dealer XXXX XXXX at XXXX XXXX XXXX ( XXXX ) XXXX checked again and it still showed zero. I called Equifax again and was advised to fax in XXXX forms of to the dispute department at XXXX which I did on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. I was advised to allow another 72 hours which I did. XXXX XXXX Sales Manager at the dealership again used dealer track on XXXX/XXXX/XXXX and the score still showed as zero. I waited until XXXX/XXXX/XXXX to call Equifax again. I was hung up on 3 times via their IVR system on XXXX. I finally tried XXXX and asked for a supervisor I got transferred to XXXX @ XXXX on XXXX/XXXX/XXXX he assured me that the XXXX XXXX on my address was the reason my score was not showing up. I advised I have no XXXX XXXX in my address he stated that he removed it. XXXX XXXX tried to run my credit again on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and the score still shows zero. She stated she that she can see my history but no score. When I first started back in XXXX XXXX with trying to purchase a car my score was XXXX now it is XXXX for Equifax. I also noticed that my mortgage company does not even show on my transunion nor my experian reports. The freeze was on my account for about 8 years and due to all the wrong or lack there of reporting I have been denied credit so many times and had no clue as to why. No one at Equifax ever told me that my score would appear as zero for anything if I added the freeze. I need to have my score to show up immediately so that I can continue with my purchases and stop being denied credit due to the creditors only basing my score on XXXX and XXXX which has the totally wrong and lacking positive information on my behalf. I am constantly getting the run around and very poor customer service. I was advised by XXXX to tell XXXX to check with the business side of Equifax and she stated she has had no other issues with anyone but me. Please make them fix this it is very unfair that I have been dealing with this for a month and a half and still have not got any results. XXXX XXXX stated I could use her as a contact of more information is needed from her. Her address is XXXX XXXX, Ga XXXX email is XXXXXXXXXXXX phone number is XXXX and she is the sales manager.
08/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30071
Web
I am resending this to XXXX as they asked me to refile it with my information and email on file through there sister company.My name is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/68 and my email on file is XXXX, I purchased a vehicle through XXXX and a hour after purchasing it all the lights came upon inspection, the vehicle was deemed Un drivable, dangerous and extremely unsafe. In contacting the company, they refused to pick up the vehicle even though it shouldnt be driven..They promised to put me in another vehicleThey did but made me put down more money to get in another vehicle.Upon leaving this vehicle was squeaking, and shaking.. They told me to contact there repairs center, I did noone contacted me back.. I had to contact corporate for them to contact the repair center to contact me back.The repair center came out to repair the vehicle 3times and it still had issues. I spoke to XXXX XXXX, they made a contract stating I had till a stated date to turn in vehicle and receive my deposit back and that this wouldnt be placed on my credit as late or otherwise until after the date expired.This was done again and I was given a additional date. I became very Ill and was and still am in the hospital.My sister reached out to XXXX and XXXX and was ignored.The date had been extended to XX/XX/XXXX, and nothing was to be placed on my credit until after this date. I received a donation and tried using my checking account to pay for the vehicle, the wrong account information was on file, upon telling them this, I was told to ho online., chose payment and when it says checking, update information.However when doing so, it made the payment, I immediately advised them.. I received no response from XXXX or customer service. I sent in a money order and my order disappeared, I did a loss money order dispute and again contacted XXXX, the ceo, the vp and several other executives..XXXX XXXX is owned by XXXX and I reached out to them also, the ceo at XXXX ( XXXX XXXX and not one return contact.Upon getting alerts on my credit, The company had been putting my payments as late on my credit, during the contract time, even though it was stipulated in the contract that it wouldnt be done. I have a copy of the contract and have now had to hire a attorney because of the knowingly breach of contract that XXXX, XXXX XXXX XXXX XXXX have committed.. I also have another contract with different dates, updated and emails and calls between XXXX XXXX and myself
08/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 70805
Web
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dat of Birt : XX/XX/XXXX SS # : XXXX XXXX Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Public Record : XXXX XXXX Bankruptcy XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Employers : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX Public Record XXXX XXXX XXXX Bankruptcy XXXX Inquiry : XXXX XXXX XX/XX/XXXX Collections : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Equifax Employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Public Record : XXXX XXXX Bankruptcy XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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
09/07/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • TX
  • 76528
Web
Information for ID theft and XXXXXXXX XXXX is for XXXX XXXX and Equifax and the whole thing is for XXXX I recently filed a complaint attached the Identity theft report to it XXXX said CFPB can never do anything to XXXX so dont care showed them proof who I am and all personal information and the Identity police report they said they dont care now blocked me from calling writing and online paid account but still are taking money from my account here is a copy again of the police report so the FBI dont investigate XXXX for accessory to Identity theft. They said they will never do anything for this account its blocked law says if I cant dispute problems on credit or if I recently filed a dispute in writing and I did then everything I disputed has to be removed If you report information about consumers to consumer reporting agencies ( CRAs ) like a credit bureau, tenant screening company, or check verification service you have legal obligations under the Fair Credit Reporting Act 's Furnisher Rule. You must complete these steps within the same time allowed under the FCRA for the CRA to resolve the dispute. Normally, this is 30 days after the CRA gets the dispute from the consumer. If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) ' XXXX has had over 300,000 complaints and never fixed any of them all posted on XXXX and CFPB postings and this is in less then 1 yr. All XXXX XXXX negative reporting is by XXXX XXXX procedures they are breaking signed contract from XXXX XXXX and have no amendment on file. so all the negative reporting XXXX XXXX will be removed. All proof is attached to this complaint real forms that show XXXX XXXX is reporting information and lies this real contract shows proof and attachments show they payments were maid but XXXX is in lost mitigations and contract says no changes to account till investigation for loss mitigation is complete which means no credit reporting at all so negative reporting for XXXX XXXX needs to by law and contract removed.
08/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 43147
Web
I have numerous accounts on my credit that mostly Equifax is reporting incorrectly but also a few on XXXX and XXXX. The first is a public record that is hindering my ability to qualify for credit. Equifax is around 60 points lower than my XXXX and XXXX score due to the fact that they are still reporting a bankruptcy that was filed in XXXX. It was removed from XXXX and XXXX in XXXX of XXXX. I have disputed it twice since then and it is still reporting. The second issue is in regards to all three credit bureaus. They are all reporting my XXXX XXXXXXXX XXXX TWICE per account. I have 4 accounts and they are reporting 8 times ( two per account ). The account is current and reporting accurately as current and then also reporting a second time as negative which is it not. In XXXX into XXXX I did a rehabilitation program to bring these accounts out of delinquency and instead of updating the accounts and reporting them accurately, it now appears I have 8 student loan accounts when I have 4 and only 4. The third issue is XXXX XXXXr is posting as a negative account when A ) it is too old to be reporting and B ) I paid this account off in XXXX to a collection agency prior to purchasing my home. The issue here is that all the way up to XX/XX/XXXX, they are reflecting missed payments when this was sent to a collection agency and settled two years ago. The fifth issue is The XXXX XXXX XXXX which is also posted as a negative account. This account as well is too old to report. It was also paid off to a collection agency in XXXX prior to purchasing my home and it still reporting missed payments up to XX/XX/XXXX. It has been paid for over two years. The last issue is XXXX XXXX. I have dealt with nothing but issue with this company since the getgo. The date of delinquency is incorrect. It was settled prior to purchasing my home in XXXX and it was supposed to be removed. When you speak to their company they are rude and hard to deal with. One person tells you one thing, another tells you something else. All of these issues are affecting my credit and I have tried for two years now to have my credit report reflect accurate information. I have worked hard to redeem my credit, make all payments on time and opened my own business over a year ago and because of these errors on my report am constantly denied credit when I should be credit worthy. This is my last attempt at correcting it myself before getting an attorney involved.
07/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33054
Web
Im submitting this complaint today to inform the CFPB as well as the Credit Reporting Agencies that I was a victim of identity theft. I researched on how to remove the fraudulent items on my report and found that I need to visit FEDERAL TRADE COMMISION orhttps : //www.ftc.gov to file a report and Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 XXXXXXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Balance - XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Balance - XXXX Balance - Medical XXXX Balance {$50.00} Bankruptcy XXXX XXXXdischarged Filed on XX/XX/XXXX Reference number : XXXX Court : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4business days after the date of receipt.
07/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • FL
  • 32221
Web
I keep getting denied credit and loans, because of the false and misleading information that is being reporting by the 3 credit bureaus. I start writing and disputing these items online and through the mail since XX/XX/XXXX. While studying my right under the CFPB, I learned that the 3 bureaus pursuant to the federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. I sent each bureau the same letters, requesting my file. They were discrepancies across the board, a lot of inaccuracies with my name, addresses, creditors, balances, and utilizations. After receiving numerous adverse action reports, they all kept repeating the same information. So, I started auditing and disputing the Accuracy, Fairness, incomplete, and privacy on my credit report. Equifax and XXXX compiled to my demands and either deleted or changed the adverse marks to the favorable marks that they were supposed to be. The only one that is not following is XXXX, they keep sending correspondence in the mail. Saying that they did an investigation, and everything is right and updated. I have written XXXX and they received my letters on XX/XX/XXXX, and XX/XX/XXXX. I've requested that XXXX provide the evidence of the investigation and reinvestigation. To provide Who they called, who they spoke to, names, addresses, and times. I told XXXX in my letters that no one in my family never got a phone call, I, personally never got a phone call. I asked my next-door neighbors, and they were never contacted, so I would like to know who they did the investigation with? Times are hard and I've been denied numerous times this week for loans that would help me and my elderly parents with food, healthcare, and gas to get them around to their appointments. this has brought on a lot of stress, bitterness between me and my spouse and lack of confidence in the government. I have requested the follow from all XXXX bureaus and XXXX Is the only bureaus that has not complied. Inquires deletions - XXXX XX/XX/XXXX - XXXX XXXX XXXX Bank XXXX XX/XX/XXXX - XXXX XX/XX/XXXX- XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX Utilization to 3 % - XXXX XXXX - XXXX XXXX Bank XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX LATE PAYMENTS/COLLECTIONS DELETED - XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
07/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30083
Web
I am frustrated by the Credit Bureaus actions or rather not taking actions in order to correct my Credit Report. The Credit Reporting Agencies haven't done anything despite the multiple written letters and complaints submitted to them. I had high hopes that the Credit Bureaus would be generous enough to give a portion of their time to investigate and verify whether the information being reported on my Credit are accurate. The last letter I sent to the Credit Bureaus was last XX/XX/XXXX containing the same appeal to remove the items which I believe were the results of the Theft of my Identity. In my Letters, I informed the Credit Bureaus regarding the theft of Identity and that the items I am disputing were the results of such crime. I have also emphasized the Fair Credit Reporting Act section 605b ( 15 U.S.C. 1681c-2 ) whereas the Credit Bureaus are required to remove any items not later than 4 business days after the receipt of the previous letter dated XX/XX/XXXX. I was expecting that the Credit Bureaus would inform me regarding my disputes by responding to my Letters but I received nothing. More than a month had passed and I am still waiting for their response but it seems that the Credit Bureaus are the best in stalling the removal of my disputed items by not responding to my letters. I am utterly disappointed that the Credit Bureaus are not taking this matter as serious as I am. By submitting this complaint through the CFPB, I am reminding the Credit Bureaus of their responsibility to comply with the FCRA XXXX XXXX and remove the following items completely from my Credit File XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CO XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$51.00} XXXXXXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
05/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 44484
Web Servicemember
In accordance with the Fair Credit Reporting Act 1. ) XXXX XXXX # XXXX 2. ) XXXX XXXX XXXX Account # XXXX 3. ) XXXX XXXX XXXX XXXX XXXX XXXX 4. ) XXXX XXXX # XXXX 5. ) XXXX XXXX # XXXX XXXX 6. ) XXXX XXXX XXXX # XXXX 7. ) XXXX XXXX XXXX XXXX # XXXX 8. ) XXXX XXXX XXXX # XXXX 9. ) XXXX XXXX # XXXX 10. ) XXXX/XXXX XXXX # XXXX 11. ) XXXX XXXX XXXX XXXX # XXXX 12. ) XXXX XXXX XXXX # XXXX 13. ) XXXX XXXX # XXXX 14. ) XXXX XXXX XXXX # XXXX 15. ) XXXX XXXX XXXX # XXXX 16. ) XXXX XXXX. # 514731****17. ) XXXX XXXX XXXX # XXXX have violated my rights. 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C 1681 604A Section 2 states a Consumer reporting agency can not purchase an account without my written instruction. These are not my accounts and I did not give written instruction.. Also, there is hard inquiries on my credit files that I did not authorize. I attempted to resolve this with the Credit Reporting Agency and with each company that pulled my report to no avail. They have both refused to remove these inquiries that I did not authorize and it it negatively affecting my credit. The following are the companies that have illegally pulled hard credit reports on me. 1. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 2. ) XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX 3. ) XXXX XXXX XXXX XX/XX/XXXX 4. ) XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX 5. ) XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX 6. ) XXXX XXXX XXXX XX/XX/XXXX 7. ) XXXX XX/XX/XXXX 8. ) XXXX XXXX XX/XX/XXXX 9. ) XXXX XX/XX/XXXX 10 ) XXXX XXXX XX/XX/XXXX 11. ) XXXX XXXX XX/XX/XXXX 12. ) XXXX XXXX XXXX XX/XX/XXXX 13. ) XXXX XXXX XXXX XXXX XX/XX/XXXX 14. ) XXXX XXXX XXXX XX/XX/XXXX 15. ) XXXX XXXX XXXX XX/XX/XXXX 16. ) XXXX XXXX XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX 17. ) XXXX XXXX XXXX XXXX XX/XX/XXXX 18. ) XXXX XXXX XX/XX/XXXX,. XXXX 19. ) XXXX XXXX XXXX XX/XX/XXXX Also, my Personal Information has erroneous information. There are variations of my name which I have never used showimg on my credit files as follows : 1. ) XXXX XXXX XXXX 2. ) XXXX XXXX XXXX Erroneous address where I have never lived as follows : 1. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX 2. ) XXXX XXXX XXXX XXXX, Ohio XXXX 3. ) XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX 5. ) XXXX XXXX XXXX XXXX XXXX, Ohio XXXX 6. ) XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX 7. ) XXXX XXXX XXXX XXXX, Ohio XXXX Erroneous phone numbers : 1. ) XXXX 2. ) XXXX 3. ) XXXX 4. ) XXXX 5. ) XXXX
07/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • 38141
Web
To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it is said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So could you please check on these and get back to me? I saw on a XXXX XXXX and XXXX where this lawyer said that you have 30 days to complete this investigation. Please Investigate the following accounts and remove them if anything is missing or incorrect on them. I demand the following accounts to be verified or removed immediately. Acct Name : XXXX XXXX ( {$1500.00} ) Acct number : XXXX In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. Acct Name : XXXX ( {$670.00} ) Acct number : XXXX In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. Acct Name : XXXX XXXX ( {$0.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. Acct Name : XXXX XXXX ( {$1500.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. Acct Name : XXXX ( {$1200.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. Acct Name : XXXX XXXX XXXX ( {$960.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. Acct Name : XXXX XXXX XXXX ( {$650.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act Convergent 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 also states a consumer reporting agency can not furnish a account without my written instructions.
06/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • GA
  • 30906
Web
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 2.FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 3.FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 4. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 5. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 6. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX SV Account Number : XXXX Please remove it from my credit report. 7 FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 8. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 9. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 10. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 11. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 12. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 13. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 14. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 15. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 16. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit repORT
07/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 19141
Web
I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. It saddened me to learn that you somehow verified the disputed item, electing to leave it on my report. Regarding XXXX XXXX I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. I've disputed these items several time over and continue to get ignored or passed along. This is becoming very frustrating that the Credit bureaus are just sending me verified general letters with no real investigation, and it is having a tremendous impact on my life I'm trying to resolve this matter with out taking any legal action but if this not resolved I'm left no other choice but pursue that route to get this rectified asap possible. I've repeatedly said this items are incorrect and shown the proof that they are but they some how come back verified and there is no way they are if my most recent credit report says verified and and updated and the still have the same inaccurate information in my file. Please tell me how the following items are accurate.
01/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 34233
Web
Good morning. I was sent to collections by XXXX XXXX XXXX inXX/XX/XXXX due to an outstanding debt I had with my abusive ex husband that I now finally divorced in XX/XX/XXXX but left in XX/XX/XXXX and had to move out of our old place which was moldy and made our XXXX year old son sick so I took him out of there and had a lot of stuff going on those years which by the way made me a stronger person and came out of it even stronger then when I came in the relationship so I thank God for that .... however after I was sent to collections I was in the middle of a nasty divorce with my ex, my sons custody battle, working 3 jobs etc and it was very difficult trying to pay all my bills. I was not able to divorce my ex and get the paperwork finalized until XX/XX/XXXX at which time I had to finally take out a loan through XXXX XXXX XXXX to take my name off my credit report And pay XXXX XXXX XXXX their Monies to be able to get housing in XXXX Colorado as I am trying to relocate to be closer to my father. I went through my report with a fine toothed comb and tried to pay off ANYTHING THAT MIGHT potentially hurt me with my score or to try to get anything to boost my score up.. so I paid off XXXX XXXX XXXX SEE ATTACHED LETTER ... I have tried to get them off my credit report now since XX/XX/XXXX and they will NOT EVEN TALK to me and wont get this negative report off my account after numerous calls and 1 dispute to all credit bureaus was all I was allowed and they never even did anything with them. The girl that works at XXXX XXXX XXXX is quite harsh and not too kind as she wont budge and be compassionate with me and understand what I am going through to finally take this off my credit report as it was paid. I was able to finally take out a loan to pay them in full but monthly to XXXX XXXX to get this off even though the interest rate is atrocious but whatever I paid off my debt but its STILL hurting me as people who check my credit can still see this negativity in my report and I am begging you to please get them to take XXXX XXXX XXXX off my report. I had 2 other accounts in collections which was paid off and they removed my accounts. Please I am begging you to help me remove this collection account off my credit please let me know as I pray everyday to get this resolved so I can move forward in my life and be able to get a place to live in XXXX to be closer to my family. Thank you so much for your time
08/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 21078
Web
My name is XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB on XX/XX/XXXX, that you closed my complaint to protect my PRIVACY. I called XXXX, XXXX and Equifax after I purchased a credit report from XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX, STATE OF MDXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX XXXX : {$25000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$44000.00}, XXXX XXXX BANK XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX BANK XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$700.00}, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any items which 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. A copy of my Driver 's License, Proof of Address and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by XXXX XXXX and Equifax not blocking these accounts is inadvertently resulting in me being extorted.
08/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 91754
Web
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. XXXX EMPLOYER : XXXX XXXXXXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SNAP ON 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 NAME : 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 ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries 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 Collectins 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 Equifax EMPLOYER : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries : XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX Collections : 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
08/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • DC
  • 20003
Web
I called EQUIFAX on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by XXXX XXXX XXXX XXXX The alleged creditor XXXX XXXX XXXX is a third- party collector which is a violation of 18 U.S.C . 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EQUIFAX permission to take my information. EQUIFAX have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXX XXXX XXXX. EQUIFAX has failed to provide XXXX, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EQUIFAX claims on my credit file. Furthermore EQUIFAX has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EQUIFAX is in violation because I was not given any type of these reports in this investigation. Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.
02/15/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 07604
Web
On Thursday XX/XX/2018 I requested an Employment Data Report from TheWorkNumber online. I received and read the report which includes all of my employment data sent to The Work Number by my employers. The report lists " verifiers who have procured your data in the past 24 months. '' In this section, an organization nondescriptly identified as " XXXX XXXX XXXX XXXX '' requested my information two times on XX/XX/2018. To my knowledge, I did not authorize any such request. The report specifically says that " if you need further assistance or wish to dispute any information in your Employment Data Report, please contact our Client Service Center at XXXX Monday through Friday XXXX XXXX. Please reference case number XXXX. '' I have called this number several times asking for more information about what is the " XXXX XXXX XXXX XXXX '' that made two requests for my Employment Data Report on XX/XX/2018, because to my knowledge I did not authorize any such requests because I have not applied for any credit cards nor have I applied for an increase. My first issue is that when you call this number, no one in any of the departments that I was transferred to recognized the reference case number, XXXX, that is provided on the Employer Data Report with instructions to contact the Client Service Center at the XXXX phone number. I was actually transferred nine times back and forth between three departments, Disputes, Verifications Research, and Equifax : who all said that they could not provide any information to me about the two requests on XX/XX/2018 from " XXXX XXXX XXXX XXXX '', and who all did not recognize the case number. The only recourse I was offered every time was to be transferred to another department, and invariably receive the same response over again. My second issue is that I believe I have a right under the Fair Credit Reporting Act to receive an explanation or at least be provided with more information about what is the " XXXX XXXX XXXX XXXX '' and why two requests for my employment data report were made on 02/13/2018 and if my Employment Data Report was released or not released to the " XXXX XXXX XXXX XXXX. '' I find it extremely troubling and inconsistent with the Fair Credit Reporting Act that I can not be given any more information or counseling on how my information XXXX be shared by The Work Number Service Team when you call the Client Service Center at XXXX.
08/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • DC
  • 20003
Web
I called EQUIFAX on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by XXXX XXXX XXXX XXXX The alleged creditor XXXX XXXX XXXX is a third- party collector which is a violation of 18 U.S.C . 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EQUIFAX permission to take my information. EQUIFAX have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXX XXXX XXXX EQUIFAX has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EQUIFAX claims on my credit file. Furthermore EQUIFAX has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EQUIFAX is in violation because I was not given any type of these reports in this investigation. Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.
07/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • 38134
Web Servicemember
I Have a Right to Privacy and to know what's being reported to the CONSUMER REPORTING Agency. 15 U.S.C. 1681a. It states a CONSUMER reporting agency can not furnish an account without my written instructions. I have not given any written consent to put anything on my CONSUMER report the law also states that the information got to be 100 percent accurate. XXXX XXXX # XXXX, are violating my rights I have asked them to stop showing my transaction history and my payment history a credit report is a CONSUMER REPORT and base on the law 15 U.S. Code 1681a ( 2 ) ( i ) a CONSUMER REPORT DO NOT INCLUED transaction history which is credit utilization and experiences which is payment history between the consumer and the creditor. By reporting this information you have made this account and my CONSUMER REPORT INACCURATE because you know this already your in violation of 15 U.S. Code 1611 ( 1 ) you are giving ON PURPOSE FALSE and INACCURATE information. The reporting of such inaccurate information has caused severe damages to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. YOU ARE HEREBY PUT ON NOTICE that you are furnishing inaccurate information. After this letter if you do not remove my transaction history and payment history like I have ask and written today you will be receiving a subpoena to court for all the violations and damages you have caused by not following the law 15 U.S.C 1681 ( s ) ( 2 ) ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
08/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30039
Web
My name is XXXX XXXX XXXX I am filing this complaint due to numerous things I found own my credit report that were passed the statute of limitations that negative accounts are allowed to stay on credit report, and accounts within accurate information being reported on my credit report that is harming my scores are just not accurate. I am requesting these accounts and hard inquiries be removed immediately. I did further research to see how these accounts was reported on my credit report without me opening these accounts. Based off Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In Accordance Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 Section 602 A states I have a right to privacy. 15 U.S.C 1681 604 A Section states. It also states that a Consumer Agency can not furnish an account without my written consent. XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX Date XXXX : XX/XX/XXXX. These accounts are passed the statute of limitations which is 7 years a negative account can stay on your credit report based off Fair Credit Act. All of these accounts listed above are well passed the statute of limitation dates. Therefore, these accounts should have already been removed from all three-credit bureaus XXXX, XXXX, and Equifax. These accounts are report in accuracies on all three credit bureaus. I never opened an account with these companies, never signed an agreement to open an account with any of these accounts. 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 XXXXXXXX XX/XX/XXXX These inquiries were not authorized to appear on my credit report, I did not apply, nor did I sign any documentation for any credit with these companies listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have attached a clear copy of my credit report. You will see all of the in accuracies highlighted in green on my credit report. You will see that they're not reporting with accuracy on all three credit bureaus. I have also attached my Georgia License, and clear copy of my social security card.
08/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 15219
Web
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission. XXXX : XXXX XXXX XXXX Balance : {$10000.00} CB/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4400.00} XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : {$460.00} EQUIFAX : XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX : {$460.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$580.00} XXXX : XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$460.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 XXXX days after the date of receipt. Fair