Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (NY)

On XX/XX/year> I went to XXXX XXXXXX/XX/XXXX to inquire ( for the first time ever ) about applying for a home loan and what I need to do to get approved to purchase a home. The representative ran my credit and provided me with a full credit report by Factual Data ( a company which is supposed to accurately present credit report data by the three crediting agencies XXXX, XXXX, and XXXX ). Upon receiving my credit report, I found that there were MANY incorrect accounts reporting under my name and social security number that DO NOT belong to me. I found out that because my mother and I have similar names and social security numbers, our information has been jumbled together. Items on the credit report such as my mother 's MORTGAGE and SEVERAL DEROGATORY ACCOUNTS and past due or collections accounts are now reporting under me. Due to this, I can not get approved for a home loan by any means. The bank representative couldn't help me further, so it was up to me to start researching the steps I need to take to get this incorrect information corrected and removed. Being that credit card and loan accounts are all reported by social security number ( the reason we are taught to keep that information private and protected ) I thought it would be easy to simply submit a dispute and get everything removed. It turns out, these companies don't communicate with each other or the consumers very well! There is miscommunication and misrepresentation among all three crediting agencies and what they report to Factual Data. How is this stuff not getting updated and resolved? I have spent hours on the phone with Factual Data representatives to try and get my point across and file disputes with the crediting agencies, all of which have yet to respond to my dispute over two months later. I get transferred around from department to department with no urgency or care by anyone to help me resolve my issue. To some, this may not seem like a big deal, but to someone who has an expired lease on an apartment and needs to find a home for herself and her XXXX XXXX  as soon as possible, this is an urgent matter and a life changing issue! Especially when dealing with an error that simply is not my fault. The crediting agencies have automated systems by phone which are not able to help me submit or view my disputes and refuse to take me to a human representative. When I log into their online portals, I am told due to security guidelines I can not file anything online and need to speak to a representative. How long will I have to go around in circles until I find a solution to this matter? These are GOVERNMENT agencies that hold power over my ability to get approved for a HOME, a CAR, things that I NEED in order to provide proper support and care for my child. Being a working mom with an infant, it is VERY hard to even find the countless hours needed that I have essentially wasted trying to find a solution to this problem, which to me sounds like a simple matter. I have worked in technology and customer service for over 10 years and I am appalled at the treatment and ignorance I have received at my urgent matter. I feel as though I have done my job as a consumer to keep my information private, pay my bills, build good credit, all to prepare me for the day that I will need to buy a home and now all of that is taken away from me by the ignorance and errors of others and no one is willing to step up and HELP ME. I am truly let down by these systems. This is supposed to be the land of opportunity and here I am- an educated and hard working mother who is going to end up without a home for my son if I can not find a solution to someone elses ignorance.