Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/11/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ******, an ******* owned company, houses consumer information--this company has made it unsafe to request a consumer freeze on my account. When you go to their website, they want you to print out a form and MAIL them a copy of my driver's licence and social security card across multiple state lines to a random PO Box. I could not even mail this form signature certified because this form is going to a PO Box. This is a shady practice to say the least. This process to dispute or freeze one's consumer report is a stall tactic at best. Data X should have a more secure way to submit a freeze request, online and immediately, instead of requesting such personal information to be mailed--which would take a few days to arrive and several more days after that to process. This is absolutely unacceptable, especially from a company that is owned by *******!This is not a safe way for consumers to exercise their rights to dispute. Requiring consumers to mail such private information is alarming. I would like for **** to open an investigation in such tactics and lean on the company to change their policy which would allow everyday consumers to dispute their consumer file. This request is not abnormal, especially since other consumer reporting agencies allow consumers to request such freezes over the phone or ************** information:DataX, and *************** *************************** P.O. **************************** #1-************

  Business Response

  Date: 06/12/2025

  Dear ****** *****:

  Thank you for contacting DataX.

  For your protection, we only process consumer requests through the mail. It is our policy to confirm a consumer's identity in writing prior to releasing confidential information. If you chose to move forward with requesting information from DataX and would like to track your documents to see when they are received, you may certify your mail via **** Mail.
  
  To keep your personal information protected and secure, we ask that you mail completed forms and related documents to the address provided below:
  
  DataX LTD
  P.O. Box 740125
  *****************
  
  If you have any questions, please do not hesitate to contact the DataX Compliance Team at ************** and select option 1. 
  
  Sincerely,
  
  DataX Customer Service
  **********************.
  ******************
  ************

• Initial Complaint

  Date:06/02/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  When receiving an alert on ******** about a payday loan attempt, Im prompted to go through ************ X demands I send all of my personal information THROUGH THE MAIL in order to protect me. It also clearly states to NOT send the information through email. As a company priding itself to safeguard customers from fraud on their website, they should know better than sending PII through mail. And this company brags, With access to more than 300 million consumers While also claiming to, Reduce your exposure to fraud and profitably grow your business...This company is complicit in coercing people to providing sensitive information in the least secure process possible. The mail theft fraud is out of control in the **, notably in *******, *******. A company priding itself in security should know this practice is backwards, deceptive, and subject to substantial civil and criminal liability. Please advise on how this borderline fraudulent company can openly brag about security, coercing people to send their sensitive information through the mail, while flexing their ability to have unlimited access to sensitive information of 300 million people.

  Business Response

  Date: 06/02/2025

  Dear **** *****, 
  
  Thank you for contacting DataX regarding your Lifelock Alert.

  We are an information service provider that provides data into consumer payment history for the non-prime lending community. We are a bureau; however, the information we provide does not assist or adversely impact your credit as it is reported by the three  traditional major credit bureaus.  As a credit reporting agency, we do not make credit decisions and we are unable to provide specific reasons for the adverse action. We only provide information, not credit scores.

  If you would like a copy of your DataX credit report, please complete the enclosed Consumer Report Request Form. You must include a legible copy of your current ID (social security card and valid driver's license) so that we can validate your identity prior to sending sensitive personal information. You may also request to have a credit freeze placed on your DataX credit report by completing the attached freeze form. For your protection, we only process consumer requests through the mail. If you would like to track your documents to see when they are received, you may certify your mail via **** Mail.
  
  If you feel you may be a victim of identity theft and there are any discrepancies, after receiving a copy of your report, complete the Request for Investigation Form. A police report or ID Theft affidavit may be required to remove tradelines.
  
  To keep your personal information protected and secure, we ask that you mail completed forms and related documents to the address provided below:
  
  DataX LTD
  P.O. Box 740125
  *****************
  
  If you would like to obtain a free copy of your annual credit report from all 3 nationwide credit reporting bureaus, please do so at **************************.  In addition, we have provided the following information for your convenience:
  
    Equifax *************** **************
    Experian **************** **************
    ********** ****************** **************
    FTC *********** ************
  
  If you have any questions, please do not hesitate to contact the DataX Compliance Team at ************** and select option 1. 
  
  
  Sincerely,
  
  DataX Customer Service
  **********************.
  ***********************;   
  ************
  

  
  

  Customer Answer

  Date: 06/02/2025

   
  Complaint: 23401419
  
  I am rejecting this response because: I didnt ask about providing my credit report. I asked about why your company coerces people into providing sensitive PII in the absolute worst way possible: through the mail. The security of the US mail is non existent. Your pathetic attempt at pretending you care about preventing fraud is one of the worst Ive seen.
  

  Your company needs to be held civilly and criminally accountable for placing people in ***** way and causing them to unnecessarily compromise their most sensitive information. Stop this ridiculous practice. 
  
  Sincerely,
  
  **** *****

  Business Response

  Date: 06/03/2025

  Dear **** *****:
  
  Thank you for contacting DataX.

  For your protection, we only process consumer requests through the mail. It is our policy to confirm a consumer's identity in writing prior to releasing confidential information. If you chose to move forward with requesting information from DataX and would like to track your documents to see when they are received, you may certify your mail via **** Mail.
  
  To keep your personal information protected and secure, we ask that you mail completed forms and related documents to the address provided below:
  
  DataX LTD
  P.O. Box 740125
  *****************
  
  If you have any questions, please do not hesitate to contact the DataX Compliance Team at ************** and select option 1. 
  
  Sincerely,
  
  DataX Customer Service
  **********************.
  ******************
  ************

• Initial Complaint

  Date:05/22/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  DataX is an ***************. I have all my credit reports frozen (Iincluding Equifax) for security reasons. I was notified by my credit monitoring service (Aura) that my personal information had been used for a short term loan application through DataX. I contacted DataX to obtain more information on the loan request using my personal information and or to freeze my report to mitigate any additional personal data breach. I was told by the DataX representative that they could not provide any information in reference to the short term credit request. If I wanted to freeze my credit report under "Consumer Credit Freeze" I would need to print out and mail the physical form to DataX and after 3 daya of receiving thr form, my report at DataX would be frozen. The form requires very personal data be written down along with a copy of a valid ID. This form and method are all a high risk to personal data breach to merely freeze my credit with DataX and receive the information as to who the initial short term loan requesters was and for what type of loan. In addition, by the time ******* delivers the form and DataX takes three day, my credit and personal information could be used for up to a week until anything is done. The company is purposely making it extremely difficult and risky to the consumer to freeze their credit and receive information on attempted credit applications and not operating under the Fair Credit Reporting Act (FCRA). (Please see required personal information form attached and the link to "Consumer Credit Freeze" instructions from dataX *****************************************************************

  Business Response

  Date: 05/22/2025

  Dear ****** ******, 

  Thank you for contacting DataX.

  We are an information service provider that provides data into consumer payment history for the non-prime lending community. We are a Bureau; however, the information we provide does not assist or adversely impact your credit as it is reported by the three  traditional major credit bureaus.  As a credit reporting agency, we do not make credit decisions and we are unable to provide specific reasons for the adverse action. We only provide information, not credit scores.

  
  If you would like to place a Freeze on your DataX credit report, please complete the Consumer Credit Freeze Request Form. You must include a legible copy of your social security card and valid Drivers License, State ID, Passport, Utility Bill, or Bank Statement so that we can validate your identity prior to sending sensitive personal information.
  
  Completed Freeze requests can be mailed to the following address: 
  DataX LTD
  P.O. Box 740124
  *****************
  
  If you have any questions, please do not hesitate to contact the DataX Compliance Team at ************.

  Sincerely,
  DataX Customer Service
  
  

  
  

• Initial Complaint

  Date:05/05/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am submitting this complaint based on my personal experience. I have not hired any third parties to act on my behalf. I am disputing the continued reporting of inaccurate, unverifiable, and unauthorized information on my credit report. im hoping you guys can intervene

  Business Response

  Date: 05/05/2025

  Dear **** *******,

  We have received your request to dispute or remove inaccuracies regarding your personal identification but, please be aware that inquiries are a factual record of credit file access.  

  If it appears that you might be a victim of fraud, we ask that you file a police report and or ID Theft Affidavit. Please provide a full copy of the police report or ID theft affidavit for us to begin the process of disputing. You must also include a legible copy of your current ID (social security card and valid driver's license) so that we can validate your identity prior to sending sensitive personal information. Please mail all supporting documents to the address listed above.

  If the Investigation did not resolve the dispute, you have the right to add a statement (statement of dispute)  to the consumer report we maintain on you disputing the accuracy of the information. The consumer statement will appear on your DataX credit report.

  If you have any questions and would like to speak with a representative please contact us at ************, option 1.  

  Sincerely,

  DataX Customer Service
  

  
  

  Customer Answer

  Date: 05/12/2025

   
  Complaint: 23285943
  
  I am rejecting this response because: The inquiries were not made by me, who are you to tell me they were factual without proof? + I also have more than inquireis that are incorrect , Everything was identified on the letter

   

  I have also attached a copy of my identity theft affidavit
  
  Sincerely,
  
  **** *******

  Business Response

  Date: 05/15/2025

  Re: Complaint Case #: 23285943
  Consumer: **** *******
  To whom it may concern, 
  This response shall serve as DataX's reply to the BBB Rebuttal Complaint received on May 12, 2025 regarding **** ******* consumer complaint. 

  We are requesting ********** provide valid personal identifying information documents in order to fulfill her request for an investigation. With the last two correspondence received from Ms. ******** we see a discrepancy with her name. The document Ms. ******* provided in the BBB portal with the items she requested to be investigated, was signed as ****** ***** *******; however, the name on the complaint that was submitted shows **** *******.

  
  DataX would like to assist Ms. ************* with her request but cannot do so until the required documentation is provided to us in writing to the DataX PO Box referenced below.  DataX recognizes that a consumer has the right to an investigation; however, the consumer is required to provide proper identification, which may include a Social Security Number and a copy of a state issued ID for the protection and identity of the consumer.
  

  In order to begin the proper investigation and provide ********** with the information she is requesting, we must receive valid documents that show her name, current address and complete social security number. Examples of these documents include: pay stub or W2 with complete U.S. social security number, valid social security card, drivers license, mortgage or bank statement, utility bill for gas, cable or residential telephone bill.
  

  *********** please mail this letter along with the requested documentation to the following address: DataX*****. *********************************
  Thank you for this assistance.
  

  
  

  Customer Answer

  Date: 05/18/2025

   
  Complaint: 23285943
  
  Sorry for the confusion
  
  Sincerely,
  
  **** *******

  Customer Answer

  Date: 05/20/2025

  Nothing was resolved...what did yall do

  Customer Answer

  Date: 05/20/2025

  i have attached the requested information

  Business Response

  Date: 05/21/2025

  Dear **** *******,

  We have received your request to dispute or remove any inaccuracies regarding your personal identification but, please be aware that inquiries are a factual record of credit file access.  

  
  It appears you might be a victim of fraud, so we ask that you file a police report and or ID Theft Affidavit specific to the suspected inaccurate information. Then provide a full copy of the police report or ID theft affidavit for us to begin the process of disputing. Please mail all supporting documents to the address listed above. Thank you for your help and time regarding this matter.

  
  Also, DataX is a specialty finance *********************** and retains information in our credit file for up to 7 years.

  
  If the Investigation did not resolve the dispute, you have the right to add a statement (statement of dispute)  to the consumer report we maintain on you disputing the accuracy of the information. The consumer statement will appear on your DataX credit report.

  
  If you have any questions and would like to speak with a representative please contact us at ************, option 1. 
  
  Sincerely,
  DataX Customer Service
  
  

• Initial Complaint

  Date:04/25/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ********** is reporting negative items about me to others they have no way of me checking whats being reported negativity about without sending me a report without me sending them a letter first. So all negative items such inquiries and ETC much be frozen yes the full ********** report must be frozen until I receive a ********** report sent to the address on file or drivers license

  Business Response

  Date: 04/25/2025

  Dear ********* *******,

  
  Thank you for contacting DataX. We have mailed you a copy of your DataX Consumer Report and your summary of consumer rights.

  
  In addition, a permanent freeze has been placed on your consumer report. If you need the freeze lifted, you will need to call our offices and provide the case number, or we will require a written request along with a copy of your ID: 
      
  If you would like to obtain a free copy of your annual credit report from all 3 nationwide credit reporting bureaus, please do so at **************************.  In addition, we have provided the following information for your convenience:
  Equifax *************** **************
  Experian **************** **************
  TransUnion ****************** **************
  FTC *********** ************

  
  If you have any questions, please do not hesitate to contact the DataX Compliance Team at ************. 
  Sincerely,
  
  DataX Customer Service
  

  Customer Answer

  Date: 04/28/2025

  Remove or delete ASAP

  Customer Answer

  Date: 04/28/2025

   
  Complaint: 23248860
  
  I am rejecting this response because: Remove or delete ASAP
  
  Sincerely,
  
  ********* *******

  Business Response

  Date: 04/29/2025

  Dear ********* *******,

  We have received your request to dispute or remove an inquiry(s) from your credit file; however, we are not able to process your request as inquiries are a factual record of credit file access. 

  If you believe an inquiry was unauthorized, you must contact the company and, /or creditor directly and follow their internal procedures regarding unauthorized inquiries. The company and /or creditor contact information can be found on the DataX credit report that was previously provided to you.

  DataX is a specialty finance *********************** and retains information in our credit file for up to 7 years.

  Regarding the referenced tradelines, please fill out and complete the enclosed Request for Investigation Form. If you believe you have been a victim of identity theft and/or fraud we encourage you to file a police report and or ID Theft Affidavit and provide a full copy of the police report or ID theft affidavit for us to begin the investigation process regarding these tradelines.

  If the Investigation did not resolve the dispute, you have the right to add a statement (statement of dispute) to the consumer report we maintain on you disputing the accuracy of the information. The consumer statement will appear on your DataX credit report.

  Sincerely,

  DataX Customer Service
  

  
  

• Initial Complaint

  Date:03/31/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My name is BLAIDY ********* ****** and Im a consumer submitting this complaint on behalf of myself without any third party being involved.M consumer report is improper being used to furnish inaccurate and incorrect information that violates my consumer and privacy rights under the FCRA.Incorrect Addresses:****************************************************************************************** ****************************************************************************************** ****************************************************************** ********************************************************************************** ************************************************************************************ ************************************************ INCORRECT PHONE NUMBERS:************ ************ ************ INCORRECT NAMES:BLEIDY ****** BLAIDY ******** ****** INCORRECT EMPLOYMENT: ******************** Nursing Center Act Auto Blagarci Acr Auto, ***************** Anor Nursing Unauthorized inquiries:Truist: 3-7-25 CIC: 4-24-24 Xactus: 4-4-23 *******: 6-19-24 CBNA: 2-9-25 Truist: 12-27-24 Under 15 USC 1681 b(a)(2), a consumer reporting agency may only furnish a consumer report in the following scenarios and under no other conditions; also, the consumer to whom the report relates may only request a consumer report in writing. A financial institution is not obligated by the **** to give the *** any negative information, as stated in 15 USC 1681s-2(7)(E). I have the right to privacy, as stated in 15 *** 1681, Section 602. Credit reporting agencies are required by Section 607 of 15 *** 1681e to establish suitable procedures to avert infractions of Section 605 of 15 USC 1681c and limit the utilization of consumer reports to individuals mentioned in Section 604[1681b] of this legislation. No state law supersedes federal ******* have 4 days in accordance with 15 USC 1681c-2 to remove this information.

  Business Response

  Date: 04/01/2025

  Dear BLAIDY ********* ******,

  
  Thank you for contacting DataX. We are a *********************** for the specialty finance market which provides insight into consumer tradeline/payment history. Lenders often utilize our services for their lending needs. 

  
  DataX received your dispute request, however the accounts/lenders you are disputing do not do business with the DataX *************. Also, based on the Social Security Number you provided we do not have a DataX File on Record.
  
  If you would like to obtain a free copy of your annual credit report from all 3 nationwide credit reporting bureaus, please do so at **************************.  In addition, we have provided the following information for your convenience:
  Equifax *************** ************** 
  Experian **************** **************
  ********** ****************** **************
  FTC *********** ************
  
  Thank you in advance for your patience concerning this matter.
  

  
  

• Initial Complaint

  Date:03/10/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My name is LACHRISTUAN **** and Im a consumer submitting this complaint on behalf of myself without any third party being involved. Under 15 USC 1681 b(a)(2), a consumer reporting agency may only furnish a consumer report in the following scenarios and under no other conditions; also, the consumer to whom the report relates may only request a consumer report in writing. A financial institution is not obligated by the **** to give the *** any negative information, as stated in 15 USC 1681s-2(7)(E). I have the right to privacy, as stated in 15 *** 1681, Section 602. Credit reporting agencies are required by Section 607 of 15 *** 1681e to establish suitable procedures to avert infractions of Section 605 of 15 USC 1681c and limit the utilization of consumer reports to individuals mentioned in Section 604[1681b] of this legislation. No state law supersedes federal law. Accounts being challenged: *Credit Acceptance:opened: 07-19-19 *Military Star: opened: 11-13-22 *Rise: opened: 12-01-22 Atlantic cap BKselflnder: opened: 8-28-20 Portfolio Recovery:$207.00 opened: 11-28-23 ****** ******** **** $1070.00 opened:09-21-23 PURSUANT TO 15 USC 1681(A)(1)(A)-DELETE THE **** FROM THE FILE IN ACCORDANCE WITH PARAGRAPH (5), BEFORE THE END OF THE 30-DAY PERIOD BEGINNING ON THE DATE ON WHICH THE AGENCY RECEIVED THE NOTICE OF THE DISPUTE FROM THE ************ have 4 days to remove this information from my consumer report pursuant to 15 USC 1681c-2.

  Business Response

  Date: 03/10/2025

  Dear Lachristuan ****,
  
  Thank you for contacting DataX. We are a *********************** for the specialty finance market which provides insight into consumer tradeline/payment history. Lenders often utilize our services for their lending needs. 
  DataX received your dispute correspondence; however, the documentation that was sent to us in writing and that you are requesting to dispute is not part of the DataX credit reporting database. 
  If you would like a copy of your DataX Credit Report, please visit our website ************************** to download and complete the Consumer Report Request form and mail it to the address referenced above along with the required documentation needed to fulfill your request which is listed on the website form.  
  If you would like to obtain a free copy of your annual credit report from all 3 nationwide credit reporting bureaus, please do so at **************************.  In addition, we have provided the following information for your convenience:
  
  Equifax *************** ************** 
  Experian **************** **************
  TransUnion ****************** **************
  FTC *********** ************
  Thank you in advance for your patience concerning this matter.
  
  
  DataX Customer Service
  
  
  
  
  

• Initial Complaint

  Date:03/03/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My name is Canswayla ********* and Im a consumer submitting this complaint on behalf of myself without any third party or any credit repair company being involved. Inaccurate Accounts: 1). Best Egg: $525.00 Opened: 10-14-23 Acct#XXXXXX 2). World Finance: Opened: 03-31-22 Acct#***************. *********** Auto: opened:02-09-19 Acct#****************************** Furniture:$466.00 Opened: 04-01-2020, Acct#*********************** et seq. Governs access to consumer credit report and promotes accuracy, fairness and the privacy of personal information assembled by the ****. Dispute 1: Accounts in violation of FCRA/FCDPA: Fraudulent Collection: Spring Oaks Capital:$560.00 Opened: 11-01-23 Acct#************. Account Resulted from aggravated identity theft!!! I (have not supplied proof under the doctrine of estoppel by silence, ********** *. ******* (mo) 281 SW *******, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. The Courts have ordered that a "Reinvestigation" that merely shifts the burden back to the consumer and the credit grantor cannot fulfill the obligations imposed by 1681(a)(4). You have NOT provided me a copy of ANY original documentation that you have on file that is required under Section 609 & 611 (a)(1)(A) - (a consumer contract with my signature on it) and under Section 611 (5)(A) of the ****** you are required to "... promptly DELETE all information which CANNOT be verified." PURSUANT TO 15 USC 1681(A)(1)(A)-DELETE THE **** FROM THE FILE IN ACCORDANCE WITH PARAGRAPH (5), BEFORE THE END OF THE 30-DAY PERIOD BEGINNING ON THE DATE ON WHICH THE AGENCY RECEIVED THE NOTICE OF THE DISPUTE FROM THE CONSUMER. Providing the requested description of the process used to assess the quality and completeness of disputed information, with the company name, address,& phone number, or any information provider contacted, would be a reasonable resolution.

  Business Response

  Date: 03/03/2025

  Dear Canswayla *********,

  
  Thank you for contacting DataX. We are a *********************** for the specialty finance market which provides insight into consumer tradeline/payment history. Lenders often utilize our services for their lending needs. 
  DataX received your dispute correspondence; however, the documentation that was sent to us in writing and that you are requesting to dispute is not part of the DataX credit reporting database. 

  
  If you would like a copy of your DataX Credit Report, please visit our website ************************** to download and complete the Consumer Report Request form and mail it to the address referenced above along with the required documentation needed to fulfill your request which is listed on the website form.  

  
  If you would like to obtain a free copy of your annual credit report from all 3 nationwide credit reporting bureaus, please do so at **************************.  In addition, we have provided the following information for your convenience:
  Equifax *************** ************** 
  Experian **************** **************
  TransUnion ****************** **************
  FTC *********** ************

  
  Thank you in advance for your patience concerning this matter.
  
  DataX Customer Service
  

  
  

• Initial Complaint

  Date:02/19/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  RE: Re-Investigation to Remove Inaccurate Credit Information Dispute 1: (REMOVE ANY NAME THAT IS NOT MY BIRTH RIGHT GIVEN NAME)UNLAWFUL NAME: ****** E ********* DEFO, ****** ********* ****** Dispute 2:Address: ************************************** Dispute 3:Address: **************************************** Dispute 4:Account Name: *********** Account Number: ************Date Opened: SEP. 01, 2022 Balance: $3,793 Dispute 5:Account Name: MACYS/CBNA Account Number: ****************Date Opened: SEP. 01, 2022 Balance: $660 Dispute 6:Account Name: CELTIC/CONT Account Number: ****************Date Opened: JULY. 01, 2023 Balance: $878 Dispute 7:Account Name: TBOM/CONTFIN Account Number: ****************Date Opened: MAY. 01, 2023 Balance: $575 Dispute 8:Account Name: FETTIFHT/WEB (DUPLICATED ACCOUNT)Account Number: ****************Date Opened: APRIL 01, 2022 Balance: $1,123 Dispute 9:Account Name: ******* ** Account Number: ****************Date Opened: APRIL 01, 2023 Balance: $1,332 Dispute 10:Account Name: WEBBNK/FHUT (DUPLICATED ACCOUNT) Account Number: ****************Date Opened: OCT 01, 2020 Balance: $1,800 Dispute 11:Account Name: ONEMAIN Account Number: ****************Date Opened: MAY 01, 2023 Balance: $17,323 Dispute 12:Account Name: NATL RECOVER Account Number: ********Date Opened: JUL 01, 2024 Balance: $2,017 Dispute 13:Inquiry Name: DIGITALFCU Inquiry Date: May 09, 2023 Dispute 14:Inquiry Name: CAPITALONE Inquiry Date: April 09, 2023 Dispute 15: Inquiry Name: SMGAUTOHOL Inquiry Date: July 30, 2023 I want a new investigation. If not, the creditor must remove from the report right away any information that they are unable to validate. I am aware that you have 30 days from the day this letter is received to conclude this re-investigation in accordance with 15 *** sec. 1681i(a).****** E *********

  Business Response

  Date: 02/20/2025

  Dear ****** ******,
  Thank you for contacting DataX. We are a *********************** for the specialty finance market which provides insight into consumer tradeline/payment history. Lenders often utilize our services for their lending needs. 
  DataX received your dispute request, however the accounts/lenders you are disputing do not do business with the DataX *************. Also, based on the Social Security Number you provided we do not have a DataX File on Record.
  
  If you would like to obtain a free copy of your annual credit report from all 3 nationwide credit reporting bureaus, please do so at **************************.  In addition, we have provided the following information for your convenience:
  Equifax *************** ************** 
  Experian **************** **************
  TransUnion ****************** **************
  FTC *********** ************
  
  Thank you in advance for your patience concerning this matter.
  
  

• Initial Complaint

  Date:06/20/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  When I checked my credit reports, I noticed that the following accounts are being Re-aged and reporting derogatory collections on my consumer reports every month. This is illegal and not in accordance with the Fair Credit Reporting Act. This is double jeopardy and unfair credit reporting. This is also a violation of my consumer rights according to what I've read in the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1681c(a)(5). Delete these accounts off my credit report because I am not liable for them. CRAs are mandated to provide 100% accuracy in reporting, and they are not. Other violations include 15 U.S.C. 1681a (2)(i): Exclusions, Late Payments are Transactions and aren't to be reported on credit reports. Collections Accounts: ********* CAPITAL SYSTEMS 370218XXXXXXX, and I C SYSTEM *** 159016XXX. Other violations under the Fair Debt Collections Practices Act- 15 U.S.C. 1681g: Disclosures to consumers, and Fair Credit Reporting Act 15 U.S.C. 1681 for willful noncompliance. According to 15 U.S.C. 1681 Section 602 A, and 15 U.S.C. 1681 Section 604 A Section 2, I have the right to privacy, and I never gave consent to any CRAs or anyone to furnish my accounts without my written instructions. Late payments are are also reporting late payments on closed accounts, violating my rights under 15 U.S.C. 1681e: Compliance Procedures and Accuracy of Report, and 15 U.S.C. 1681s2: Responsibilities of furnishers. There is also a violation of 15 U.S.C. 1666(b): Billing Error. Creditors can't treat a payment as late for any purpose. Delete these accounts and mail me a consumer report/ file with corrections please. I'm making this complaint without third-party assistance.

  Business Response

  Date: 06/24/2024

  Re: BBB Complaint #********
  Dear *************************,
  This response shall serve as DataXs reply to the BBB Complaint #******** regarding *************************.

  
  DataX received your dispute correspondence; however, the leasing agreement you provided is not part of the DataX credit reporting database.

  
  In order for us to determine whether or not you have a credit file with DataX, we need you to verify your identity by providing information in writing to DataX. Please complete the enclosed Consumer Report Request in its entirety and mail it along with the required personal identifying information referenced on the form to the DataX address referenced above. You must also include the required documentation listed on the form so that we are able to validate your identity prior to sending sensitive personal information. 

  
  Since you stated that you are a victim of identity theft, we would highly recommend  that you request to have a Security Freeze placed on your DataX credit report by completing the enclosed Consumer Credit Freeze form, as well.

  
  To keep your personal information protected and secure, please send all documents required to verify your identity to the DataX address listed above.  Once DataX receives your information in writing, we will send you a copy of your DataX credit report, assuming there is one on file.  If there is not a credit report on file, we will notify you as such in writing. If you opt to have the Security Freeze placed on your file, we will send confirmation to you in writing once it has been processed.

  
  If you have further questions, or need assistance completing the forms, please contact us at **************, and we would be happy to assist you. Thank you for allowing us to be of service.

  
  Regards,
  DataX Customer Service
  

  
  

  Customer Answer

  Date: 07/05/2024

   
  Complaint: 21870527
  
  I am rejecting this response because:
  
  Sincerely,
  
  *************************

  Customer Answer

  Date: 07/09/2024

  Hi,

  I forgot to add proof of identity in order to process my complaint. Please perform or process my complaint and investigation.

  Thanks

  Business Response

  Date: 07/11/2024

  Dear *************************,

  
  Thank you for contacting DataX. We are a *********************** for the specialty finance market which provides insight into consumer tradeline/payment history. Lenders often utilize our services for their lending needs. 

  
  DataX received your dispute correspondence; however, the documentation that was sent to us in writing and that you are requesting to dispute is not part of the DataX credit reporting database. 

  
  If you would like a copy of your DataX Credit Report, please visit our website DataXltd.com to download and complete the Consumer Report Request form and mail it to the address referenced above along with the required documentation needed to fulfill your request which is listed on the website form. 
  

  Thank you in advance for your patience concerning this matter.
  
  DataX Customer Service
  
  
  

  Customer Answer

  Date: 07/12/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *************************