Update by user Feb 20, 2021
So far, NOTHING. The silence is deafening!
Original review posted by user Jan 12, 2021
VERIZON WIRELESS MAKES CREDIT RATINGS SCORES BASED ON ERRONEOUS DATA OR FABRICATES SUCH DATA ABOUT CONSUMERS' CREDITWORTHINESS and does not base decisions on proven actual facts or true merits of the account history. This is discriminatory and fraudulent and could potentially cause even more harm to my personal credit, as a result. They do unwarranted credit checks for accounts like mine, where the payment record has been blemish-free and no balance is outstanding. We have had our mobile phone accounts with this company for well over 10 years. I had to take over the account when my fiance died in June of 2019. (I have removed acct # and account names to protect my privacy here on this public site) I rec'd a letter discussing "a routine account review" whereby VZW had assessed my credit rating score, adjusting it to limit any purchases/ billing I make (which I have NEVER done) using my mobile account. VZW states in letter that it based its decision on: Account Opened Too Recently High Prior Bill Balance Current Delinquency Too Many Past Delinquencies Following is my letter of response to Verizon Wireless, which was sent 01/08/2021: To Whom It Concerns: This is my reply and rebuttal to the letter I received from your credit department, which states a decision regarding my creditworthiness and adjusts or sets a spending limit for purchases which can be billed to my account. Firstly, I ask for disclosure of any relevant or substantial account information and the documentation associated with Verizon's credit score valuation of my account. In addition, I request an explanation for the reason behind a 'routine review' of my account, initially. WHAT TRIGGERED THE INVESTIGATION OF MY CREDIT INFORMATION? Is this a standard internal marketing procedure so that Verizon can solicit goods or services associated with my mobile telephone / wireless account? OR, was there a purchase request made in association with my account number? I, personally, have NOT solicited any request for upgrades or plan/equipment changes. IF there has been an unauthorized request made in connection with this account number, I respectfully DEMAND all details be made available to me. I would then also ask for an investigation into the person or persons attempting to commit theft or other criminal fraud against me by illegally obtaining my personal account information. Verizon allowed a criminal to illegally gain access to our account information, personal data, and financial info to commit theft by acquisition of new iPhones with all the extras and attempting to overtake our personal mobile numbers by allowing criminal to lock us out of our phones... this happened approximately 4 or 5 years ago. It was a traumatic event for us and it took a few months to recover from the repercussions. I never authorized or requested any "review" regarding the adjustment of my spending limit for purchases. I therefore object to Verizon's 'routine review.' I take the stance that it is none of Verizon's business to conduct any credit checks routinely or otherwise UNLESS a purchase is pending currently, which there is NOT. I have been informed that Verizon Wireless made its decision based on my account history... I object to the decision, based on Verizon's reasons given in the letter: ** Account Opened Too Recently ** It appears that Verizon did NOT consult with their OWN ACCOUNT RECORDS, in this case. I request that Verizon "look again." HOW LONG HAS THIS TELEPHONE NUMBER BEEN ASSIGNED TO ME? My fiance died in June 2019. His name: xxxxxxxx. HE WAS THE PAYOR/OWNER of the account before I requested to take responsibility and ownership of the account. So, in fairness, this account is an attachment of that record. The sales agent at the local Verizon office understood this change. This wireless number is associated with a very solid, long-standing account. Since it became MY responsibility, this account has always been paid in full and timely. It was always paid in full and timely PRIOR to my taking over the account, as well. MY QUESTION: How long does an account need to be in existence in order to be considered satisfactorily established, under Verizon's criterion? ** High Prior Bill Balance ** Prove it by producing evidence that this is a bona fide reason and a true statement, which I contend is purposed to denigrate my creditworthiness. I can attest to the fact that while I have had ownership responsibility there have been NO PRIOR HIGH BALANCES. Also, I can attest to the fact that while this mobile account was previously connected to account-holder xxxxxx's account, there were no prior high balances. All billing statements have been for customary and usual rates billed under our plan(s) since inception with Verizon. THEREFORE, I argue that Verizon's reason shown here is based on an utter falsehood and is invalid. ** Current Delinquency ** I contend, again, that Verizon's reason here is baseless and invalid, as I decided to check for myself. "Paid in Full" was the only thing that could be discovered about my current standing. In fact, this account has NEVER been delinquent, period! So, once again I request evidence to substantiate why Verizon is claiming this reason. ** Too Many Past Delinquencies ** PROVE IT! This account, and its previous/connected account under xxxxxx, has never been delinquent in the 10 or more years it has been in existence. Verizon's conclusion drawn at the completion of a so-called 'routine review' included information obtained from Equifax. Equifax reported that "No Credit History Found." I object to Verizon's decision to give me a score of 100 based upon its own 'proprietary credit rating system.' I do so as I see the range of scores under that system 'range from as low as 230 to as high as 550.' This is so offensive it defies a reasonable term for my reaction. If I am given "100" when the scale is 230-550, how do I even exist at Verizon, at all? You will not intimidate me nor convince me that I am the worst kind of customer there is. And, do not say to me that I am just lucky that Verizon has accepted me as a customer. Verizon will be very lucky if I continue to stay. I pay in full and on time, every month. If that cannot be appreciated then my business with Verizon needs to be re-considered. I especially object to Verizon's credit score value if it has been based in whole or in part to any "comparative analyses of repayment histories of large numbers of Verizon's customers." This is an unfair assessment of my creditworthiness because there have been NO "repayment histories" associated with this mobile number, EVER. To base your rating of my account in this way is fraudulent and injurious to me, personally. Let it be known, that this account is being assessed and assigned a valuation based on erroneous and false information, and not on the facts and merits associated with the true and correct account record. This unfairly discriminates against me as a customer and potentially subjects my credit standing to damage or other irreparable harm. I object to the "decision" as it stands, in its entirety, based upon all of the qualifying points I have outlined above. I am including my account's payment record, taken from Verizon Wireless' "My Account" details contained there online. I will be seeking advice, legal or otherwise, to consider possible actions to take in protesting this unauthorized intrusion and exploitation of my credit status. Also, I will be in search of a remedy or relief which protects my credit against undue damage, caused by Verizon's erroneous valuation methods and reliance on fabricated information, that if reported to the major credit reporting agencies may subsequently bring about damage to my ratings with those agencies. I will exercise all available options to me as a consumer, which uphold my rights as a consumer. I wish to REVOKE ANY PREVIOUSLY GRANTED AUTHORIZATION TO INQUIRE INTO MY CREDIT, effective immediately. I will only consent to such credit inquiries when requested, and upon full disclosure of the purpose for such inquiries. I will be reporting this letter and Verizon's alleged assessment of credit score value to all available consumer advocates and governmental consumer affairs agencies (FTC, et al) additionally. I will register a complaint where permitted. I have gone into the "My Account" details online at vzw.com and made the appropriate changes to my privacy preferences, opting out of and revoking any and all previously granted permissions to use my data, to prevent any further exploitation or unauthorized usage of my personal and account information. I will inquire and request each credit reporting agency's approval to enter this letter (together with Verizon's) as part of my official record on file with each. Most importantly, I will be looking into Verizon competitors' plans and carefully considering taking my business elsewhere, because I certainly do NOT have to accept this kind of abuse from anyone. Respectfully, C. S. T. Account# 0225xxxxxxxxx Encl: payment record for period Aug 09, 2019 to Dec 11, 2020
User's recommendation: OPT-OUT of all permission requests and credit inquiries!!!