Consumer complaint received 2021-01-13
Company: Factor Trust
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I received my consumer report from FactorTrust. On XX/XX/XXXX I disputed the employer listed, monthly income, drivers license number, payroll frequency, and the home phone number. The mandatory completion date listed is XX/XX/XXXX. 





On XX/XX/XXXX at XXXX XXXX I received an investigation note on FactorTrust site that reads Good morning, We are in receipt of your dispute and have started the investigation process. Please provide us proof and back up supporting your claims. This supporting documentation can be mailed or faxed in to us. If you have any questions or concerns, please give us a call at XXXX XXXX XXXX XXXX. 
Thanks, Consumer Support FactorTrust, Inc. 
XXXX XXXX XXXX XXXX, GA XXXX Fax XXXX I replied to the message with I have faxed over information for correction. Was it received? I also called-XXXX and was told by a gentleman that the turnaround time for faxes is 24-48 hours. 





On XX/XX/XXXX XXXX XXXX  I received another investigation note that reads XX/XX/XXXX RE : Consumer Dispute ID : XXXX XXXX XXXX Please be advised that we have completed our investigation into your dispute. If your consumer file was revised as a result of our investigation, you are entitled to an updated copy of your credit report. This can be obtained online by visiting www.factortrust.com and logging in using the account that was created when you filed the dispute. There is a link to regenerate your updated credit report. If we did not delete your disputed information, you have the right to add a statement to your file disputing the accuracy or completeness of that information. The resolution of your dispute is detailed below. 

1. The disputed home phone number below has not been removed from your consumer file. It was submitted with a valid application for credit. 
a. XX/XX/XXXX Home Phone : XXXX 2. The disputed Driver License Number below has not been removed from your consumer file. It was submitted with a valid application for credit. 
a. XX/XX/XXXX XXXX 3. The disputed Employer below has not been removed from your consumer file. It was submitted with a valid application for credit. 
a. XX/XX/XXXX XXXX  4. The disputed Monthly Income information below has not been removed from your consumer file. It was submitted with a valid application for credit. 
a. XX/XX/XXXX Monthly : {$2400.00} Please see the accompanying attachments that outline your rights further in regards to your dispute. As always, if you need further information or clarification, please call us at XXXX. 

Thanks, Consumer Support FactorTrust, Inc. 
XXXX XXXX XXXX, XXXX, GA XXXX XXXX Phone XXXX | Fax XXXX Hours of operation : Monday Friday, XXXX XXXX EST Please visit us online 24 hours a day, 7 days a week www.factortrust.com I called FactorTrust and spoke with XXXX ( manager ) who stated that no documentation was received and since the dispute had been closed I would need to complete a new dispute. I told XXXX that no one ever gave me a call or responded to my notes on the case. XXXX reviewed the case and saw my notes. XXXX stated she was sorry but I needed to complete a new dispute. I told XXXX XXXX understood that I needed to complete a new dispute and would do so. 







On XX/XX/XXXX I submitted a new dispute with a mandatory completion date listed as XX/XX/XXXX. My dispute information notes left on the case reads : I will be calling to follow-up on this dispute. The information listed belongs to my sister XXXX XXXX, not me. She has also submitted a dispute aswell. Her information is on my report, and my information is on her report. I will be sending in a copy of my drivers license and a pay stub. If you have any questions please give me a call at XXXX. 

Thank you XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX an investigation note was placed on the case. That reads Good morning, We are in receipt of your dispute and have started the investigation process. Please provide us proof and back up supporting your claims. This supporting documentation can be mailed or faxed in to us. If you have any questions or concerns, please give us a call at XXXX XXXX XXXX XXXX. 
Thanks, Consumer Support FactorTrust, Inc. 
XXXX XXXX XXXX XXXX, GA XXXX Fax XXXX I faxed and mailed over my photo ID and my pay stub with employer name listed. I also provided the correct phone number of XXXX. I never received a phone call regarding any information. Fax and mailing information used listed below. 

XXXX XXXX XXXX XXXX, GA XXXX Fax XXXX On XX/XX/XXXX XXXX XXXX  an investigation note was listed on case that reads XX/XX/XXXX RE : Consumer Dispute ID : XXXX XXXX XXXX Please be advised that we have completed our investigation into your dispute. If your consumer file was revised as a result of our investigation, you are entitled to an updated copy of your credit report. This can be obtained online by visiting www.factortrust.com and logging in using the account that was created when you filed the dispute. There is a link to regenerate your updated credit report. If we did not delete your disputed information, you have the right to add a statement to your file disputing the accuracy or completeness of that information. The resolution of your dispute is detailed below. 

1. The disputed addresses and employers below were not removed. They were submitted with applications for credit from various lenders that are older than 2 years. If you would like to further dispute this information, please provide proof of address and proof of employment for the dates in question. Please be sure to reference your dispute ID and include current contact information with any communication. Please see the accompanying attachments that outline your rights further in regards to your dispute. As always, if you need further information or clarification, please call us at XXXX. 
a. XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, NC, XXXX b. XX/XX/XXXX Home Phone : XXXX c. XX/XX/XXXX Drivers License Number : XXXX d. XX/XX/XXXX Employer : XXXX e. XX/XX/XXXX Monthly Income : {$2400.00} f. XX/XX/XXXX Payroll Frequency : Monthly Thanks, Consumer Support FactorTrust, Inc . 
XXXX XXXX  XXXX, XXXX, GA XXXX XXXX Phone XXXX | Fax XXXX Hours of operation : Monday Friday, XXXX XXXX EST Please visit us online 24 hours a day, 7 days a week www.factortrust.com

Company response to consumer: Closed with explanation