Date Received: 2024-02-12
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92691
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have constantly contested the inaccuracies in the following information with XXXX, XXXX and Transunion and unfortunately, the issue remains unresolved to this day. Equifax 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 2. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 3. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX This is not mine. 4. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX Account Number : XXXX This is not mine. 5. The following personal information is incorrect Also Known As : XXXX, XXXXXXXX XXXX 6. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, OR XXXX 9. The following personal information is incorrect Employers : XXXX XXXX XXXX 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 2. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 3. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX This is not mine. 4. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX Account Number : XXXX This is not mine. 5. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX Account Number : XXXX 6. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXXXXXX 8. The following personal information is incorrect Employers : XXXX XXXX XXXX 9. The following personal information is incorrect Employers : XXXX TransUnion 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 2. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 3. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX This is not mine. 4. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX Account Number : XXXX This is not mine. XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX 6. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX 8. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97338
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I sent an opt out notice to XXXX XX/XX/XXXX. It is absolutely illegal for any credit reporting agency to report transaction history. The Fair Credit Reporting Act was federally enacted in 1970 to ensure confidentiality of consumer credit information held by lenders and credit reporting agencies. The Act prohibits disclosure of credit files, other than for specific purposes, such as employment, insurance, and Bonafide credit applications ; requires credit bureaus to give consumers a copy of their credit report when requested ; and specifies procedures whereby consumers can dispute any derogatory Information in a credit report. According to XXXX Privacy Policy which they have with me... they have documented in writing that they do not share my personal information with XXXX parties. XXXX, XXXX, Transunion, and XXXX and XXXX XXXX XXXX are considered 3rd party affiliates. The Privacy Act of 1974 5 US Code 552a definition ( 4 ) the term record means item, collection, or grouping of information about an individual that is maintained by an agency, including education, financial transactions, medical history, and criminal or employment history that contains his name or the identifying number, By violating section 1681b for permissible purposes and 1681c for information contained in consumer reports they are also violating compliance procedures under this title. 5 U.S. Code 552- Records maintained on individuals. ( a ) Definitions.For purposes of this section ( 1 ) the term agency meansagencyas defined insection 552 ( e ) [ 1 ] of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includesmaintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about anindividualthat is maintained by anagency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to theindividual, such as a finger or voice print or a photograph ; ( 5 ) the term system of records means a group of anyrecordsunder the control of anyagencyfrom which information is retrieved by the name of theindividualor by some identifying number, symbol, or other identifying particular assigned to theindividual; ( 6 ) the term statistical record means arecordin asystem of recordsmaintained for statistical research or reporting purposes only and not used in whole or in part in making any determination about an identifiableindividual, except as provided bysection 8 of title 13 ; ( 7 ) the term routine use means, with respect to the disclosure of arecord, the use of suchrecordfor a purpose which is compatible with the purpose for which it was collected ; ( 8 ) the term matching program ( A ) means any computerized comparison of ( i ) two or more automated systems ofrecordsor asystem of recordswith non-Federalrecordsfor the purpose of ( I ) establishing or verifying the eligibility of, or continuing compliance with statutory and regulatory requirements by, applicants for, recipients or beneficiaries of, participants in, or providers of services with respect to, cash or in-kind assistance or payments underFederal benefit programs, or ( II ) recouping payments or delinquent debts under suchFederal benefit programs, or. ( 4 ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( C ) or ( D ) of this section in which the court determines that theagencyacted in a manner which was intentional or willful, the United States shall be liable to theindividualin an amount equal to the sum of ( A ) actual damages sustained by theindividualas a result of the refusal or failure, but in no case shall apersonentitled to recovery receive less than the sum of {$1000.00} ; and ( B ) the costs of the action together with reasonable attorney fees as determined by the court. 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure ; and ( iii ) A reasonable means by which the consumer may exercise the opt out right Which means this also include the Privacy Act of 1974 5 US Code 552a. 15 U.S Code 6805. I have the right to opt out of anything on my report anytime and the company must comply as soon as reasonably practicable after receiving the notice. They have given me unreasonable means to opt out, so I wrote my own letter to direct them to stop reporting in accordance with the laws that I have included.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76051
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Upon reviewing my consumer report, I have discovered that there are still unauthorized inquiries present. Despite my previous communication with XXXX and TransUnion requesting a reinvestigation, the issue remains unresolved to this day. XXXX 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report TransUnion 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97338
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07206
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60827
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60440
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Trafficking Block Request To Whom It May Concern, I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete immediately. XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete immediately. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking. Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation to the consumer. The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) XXXX added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX XXXX XXXX XXXX In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX XXXX XXXX Section 605C is effective 30 days after the Bureau issues its final implementing regulations. BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. XXXX XXXX XXXX XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79701
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A