Consumer complaint received 2022-04-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dear Sir or Madam : I, XXXX XXXX XXXX ( the Complainant ) had knowingly, willfully, and lawfully accessed my online XXXX XXXX XXXX XXXX XXXX ( XXXX ) credit file account dated on XX/XX/XXXX, at approximately XXXX and XX/XX/XXXX at approximately XXXX because I had received an emailed alert message. In which, XXXX had indicated into my XXXX XXXX XXXX XXXX XXXX ( XXXX ) score XXXX had suddenly decreased from XXXX to XXXX points from using the XXXX score XXXX calculated formula dated on or about XX/XX/XXXX. After, Fifth Third Bank, who is my Banking institution had officially reported to XXXX, my timely purchased and paid transactional activity stated into my Fifth Third Banks Secure Credit Card account number ending in XXXX on or about XX/XX/XXXX, as shown onto my Fifth Third Banks Secure Credit Card statement dated from XX/XX/XXXX, to XX/XX/XXXX. See Exhibit A. So, my question to XXXX team is how can this be conceivable or possible for my online XXXX score XXXX to decrease from XXXX to XXXX points or drop XXXX points when I am exactly at the 10.39 % which should have been rounded to 10 % of the required threshold from my Fifth Third Bank calculated and reported transactional purchase of {$31.00} divided by {$300.00} dated on XX/XX/XXXX? 

In addition, I had noticed into my online XXXX credit file account an assailant/identity thieve who had subscribed by a fictitious name [ s ] had knowingly, willfully, deliberately, and unlawfully accessed my online XXXX credit file account dated on XX/XX/XXXX, and XX/XX/XXXX, by means of running a soft inquires to which, I had not authorized any person nor was I in my online XXXX credit file account on those days stated herein. Once I had accessed my online XXXX credit file account than an online XXXX soft report is automatically generated within my online XXXX credit file account except when I am lock out of the automatically generated soft inquiries online XXXX credit reports because of an assailant/identity thieve who had subscribed by a fictitious name [ s ] had intentionally blocked me from generating my own online XXXX credit report in the month of XX/XX/XXXX. After, the assailant/identity thieve who had subscribed by a fictitious name [ s ] had somehow, and unlawfully accessed my online XXXX credit file account dated on XX/XX/XXXX, and XX/XX/XXXX without my lawful authorities. And, almost immediately after, I had lawfully changed my username and password dated on XX/XX/XXXX, at approximately XXXX and XX/XX/XXXX, at approximately XXXX, and I am automatically locked out of generating my own online XXXX  soft inquiries credit file reports without my lawful authorities. See Exhibit B. And, I did not have any other online XXXX credit file account activities except for my Fifth Third Banks Secure Credit Card account number ending in XXXX for my online purchased and transactional activities since XX/XX/XXXX. 

As a result, I am experiencing identity thefts problems ; after, the assailant/identity thieve who had subscribed by a fictitious name [ s ] had knowingly, willfully, and unlawfully gained unauthorized accesses to my online XXXX credit file account than the assailant/identity thieve had made copied and/or distributed my online XXXX credit reports dated XX/XX/XXXX, and XX/XX/XXXX. In order to directly hand into any banking and/or educational institutions, vehicle dealerships, payday loans companies, employers, employment and/or rental agencies my unauthorized online XXXX credit reports soft inquiries without those banking and educational institutions, vehicle dealerships, payday loans companies, employers, employment and/or rental agencies processing my legitimate authorized XXXXXXXX XXXX credit reports by ways of XXXX XXXX compliance procedures in accordance XXXX the Fair Credit Reporting Act ( FCRA ). Nor have I notarized instruments by ways of those collections of a [ n ] Powers of Attorney, Affidavits or Waived Rights documents to those assailant/identity thieve who had subscribed by a fictitious name [ s ]. And, those assailant/identity thieve who had subscribed by a fictitious name [ s ] had executed those notarized instrument [ s ] or waived rights document [ s ] without my : authorizations, consents, acknowledgements, and knowingly and willfully participation into a said forged or fraudulent notarized instrument [ s ] or waived rights document [ s ] conspiracies pursuant to the Title 18 U.S.C. 1028. Nor have I been legally married to any person and my familial status is still a single person. Also, I had noticed, I could not retrieve my XXXX online annual free credit report from the XXXX dated on XX/XX/XXXX, and I had received an error message is as follows : Were sorry, a condition exists that prevents XXXX from being able to accept your request at this time. See Exhibit C. 

What exactly are those condition that exists for which prevent me from accessing my own free online XXXX free credit report from XXXX web application account? I had already sent photographs of my identification documents by ways of XXXX upload in order to access my free online XXXX XXXX web application account dated on XX/XX/XXXX. 




Respectfully Submitted, XXXX XXXX XXXX

Company response to consumer: Closed with explanation