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:05/02/2024

  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'm requesting that DataX make corrections to my credit file for the following accounts. I checked all three of my credit reports and found a lot of inaccuracies that need to be corrected, and are not being reported In Accordance With the ***** I never gave DataX my consent to share my information. Inaccurately reported accounts: CREDIT ACCEPTANCE CORPOR- Account #********, KOHLS DEPARTMENT STORE - ****************, ******* BANK - ****************. Reporting late payments on a credit report is illegal and very damaging to my credit (15 U.S Code 1681a(2)(B): Exclusions). This is a violation of the ***** 15 U.S.C. 1666(b) Billing Error, and 15 U.S.C. 1681a(2)(A)i - Definitions; Rules of Construction states that a report containing information solely as to transactions or experiences between the consumer, and the person making the report. This means that late payments/ transactions are illegal and are not to be reported on a credit report. I request the immediate removal of all late payments, and Update my payment history to PAANL status immediately. 15 U.S.C. 1666b also prohibits treating a payment on a credit card account as late under an open-end consumer credit plan. Please mail me a corrected copy of my credit file asap. Delete these late payments. I had no 3rd party help with my complaint.

  Business Response

  Date: 05/06/2024

  May 6, 2024

  
  Re: BBB #********

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

  
  This response shall serve as DataXs reply to the BBB Complaint #******** regarding Salaam Alnur.

  
  DataX is an information service provider that provides data on consumer payment history for the non-prime lending community. We are a credit bureau; however, the information we provide does not assist or adversely impact a consumers credit as it is reported by the three traditional major credit bureaus.

  
  Our records indicate that we have never engaged with ************ via phone, email or mail. Furthermore, the information details provided in the BBB Complaint are not data or accounts included as part of the DataX credit reporting database.. 

  
  DataX recognizes that a consumer has the right to know what is in their credit file and may request and obtain all the information in the files of a consumer reporting agency. If ************ would like to obtain a copy of his DataX credit report, he may access the Consumer Report Request form found on the DataX website at www.dataxltd.com.  Please print the form, complete it in its entirety, and mail it to the address provided above along with the required personal identifying information. Once we receive the information, we will send a copy of the credit report, assuming there is one on file.

  
  Thank you for allowing us to be of service.

  
  If you have further questions, feel free to contact us at **************.
  
  Regards,
  DataX Customer Service
  
  
  

  
  

• Initial Complaint

  Date:08/21/2023

  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.

  I checked my credit reports today and found this inaccurate account on my credit reports and noticed that the ************************ (Some Owned by the Major CRAs), and ************************* have violated my consumer protected rights according to the ***** The following Companies: *************************, LLC - *****, NATIONAL CREDIT SYSTEMS ***** #####**, COLUMBIA DEBT RECOVERY PRS0SRXXXXXXXXXXXXXX - and PROFESSIONAL CREDIT SERVICE - #######################**** have been repeatedly reporting inaccurate information and it's stressed me out and is causing my family to suffer as well in many ways. This has motivated me to research and annotate the violations against my consumer rights as follows: Violation of the **** under 15 U.S Code ****a(2)(B): Exclusions from a consumer report, 15 U.S Code ****b permissible purpose of consumer reports. I've Never given anyone my permission to share or report any of my information. All have violated 15 U.S. Code ****e(b): Compliance Procedures, and 15 U.S. Code ****i (5): Reporting inaccurate accounts and they can't be verified with proof that I have requested already. U.S.C Code **** Section 602 A. States I have the right to privacy. 15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions; I never gave anyone written instructions. 15 U.S. Code ****c - Requirements relating to information contained in consumer reports. 15 U.S.C ****c(a)(5) States: no consumer reporting agency may make any consumer report containing Any other adverse item of information. You've also violated the United States Code Law under TILA, 15 U.S. Code 1666(b) Billing error. All of this research was exhausting, but I did it all by myself, with No 3rd Party assistance. Delete these accounts now!

  Customer Answer

  Date: 08/22/2023

  Yes, I did request validation letters from these companies to no avail. I got no responses.

  *******

  Business Response

  Date: 08/23/2023

  Re: BBB #********

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

  This response shall serve as DataXs reply to the BBB Complaint ******** regarding ******************************
  DataX is an information service provider that provides data on consumer payment history for the non-prime lending community. We are a credit bureau; however, the information we provide does not assist or adversely impact a consumers credit as it is reported by the three traditional major credit bureaus.

  Our records indicate that we have never engaged with ***************************** via phone, email or mail. Furthermore, the information details provided in the BBB Complaint are not data or accounts included as part of the DataX credit reporting database.

  DataX recognizes that a consumer has the right to know what is in their credit file and may request and obtain all the information in the files of a consumer reporting agency. If ***************************** would like to obtain a copy of her DataX credit report, she may access the Consumer Report Request form found on the DataX website at www.dataxltd.com.  Please print the form, complete it in its entirety, and mail it to the address provided above along with the required personal identifying information. Once we receive the information, we will send a copy of the credit report, assuming there is once on file.

  Thank you for allowing us to be of service.

  If you have further questions, feel free to contact us at **************.
  
  Regards,
  DataX Customer Service
  
  

  
  

  Customer Answer

  Date: 09/07/2023

  Hello,

  I missed the response request in my email, but I am satisfied wiith this CRA's response to me.

  Thank you,

  *****************************

  Business Response

  Date: 10/27/2023

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

  DataX is in receipt of your complaint filed with the Better Business Bureau; however, in order for us to access your DataX credit file, should one exist, we will need you to provide documentation that includes your social security number.  That documentation may consist of a copy of any of the following: social security card,  W2 form, **** form or a pay stub.  

  We will research and respond to your complaint once we receive this required information.

  Thank you for your attention to this matter.

  Regards,

  *****************************

   

  Customer Answer

  Date: 10/30/2023

   
  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,
  
  *****************************