Date Received: 2024-02-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I've requested several times for the 30 day late payment on my XXXX XXXX XXXX account and in it's place the remark paid as agreed. I even provided them with the letter that XXXX XXXX XXXX sent me stating that my account was paid as agreed and closed. Because of this inaccurate remark it's caused my credit score to drop XXXX points. Which has caused me not to be able to get a mortgage on my home that I own outright. I have already told them that it needs to be corrected and they have not removed the 30 day late payment. The account was paid off 20 months ahead of schedule. If they don't remove the 30 day late payment and change it to paid as agreed I'm going to sue them for defamation. I'm tired of dealing with them on this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61832
Submitted Via: Web
Date Sent: 2024-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Transunion is obligated by the FCRA to report accurate account information, consumer has advised All the inquiries reported are fraud, said company had 4 days according to LAW to remove such items. Consumer filed FTC fraud report, consumer is now requesting Transunion to provide the documentation used to determine inquiry was indeed authorized by the consumer. Transunion has 15 days to provide me with the name of the person spoken to, documentations used, signed application with wet ink signature. Consumer is not asking for an e-oscar report. If Transunion does not have documentation to show these were in fact authorized it must be removed. Transunion and its Trustee are liable under the SEC to follow specific rules. Transunion commission file number XXXX. Trustee is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX are all liable. Furnishing student loans on consumer reports is a violation of privacy act 1974 and Family Educational Rights and Privacy Act 1974 I have not consent to the publishing of this private information. I am requesting that Transunion provide documents that they received from the furnisher in the past 30 days with my approval to publish this information. I will be filing IRS form 211 ( XXXX XXXX XXXX ) to audit the consumer 's account. Transunion is securitizing consumers data yet refusing to provide consumers a copy of their consumer file not consumer report. FORM TCR TIP, COMPLAINT OR REFERRAL with the SEC with the claim of security fraud. Transunion is furnishing information on my consumer file without appropriate notification and approval as required by law. IRS Form 3949-A for the IRS to audit Transunion with respect the my principal account and income Transunion is making from the sales of the principal account consumer file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2024-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90262
Submitted Via: Web
Date Sent: 2024-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize any of the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I also included a completed Identity Theft Victim 's Complaint and Affidavit and Notary
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92501
Submitted Via: Web
Date Sent: 2024-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33326
Submitted Via: Web
Date Sent: 2024-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19150
Submitted Via: Web
Date Sent: 2024-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2024-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: ****INCORRECT ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXTHIS IS NOT MY ADDRESS**** ******UPDATE MY ADDRESS TO XXXX XXXX XXXX XXXX, XXXX IL XXXX XXXXSECTION15 USC 1692B ( 5 ) RESTRICTS A COLLECTOR FROM STATING THAT A CONSUMER OWES ANY DEBT WHEN COMMUNICATIONS WITH THIRD PARTIES. According to H.R.2537 - Consumer Protection for Medical Debt Collections Act 117th Congress****** A consumer reporting agency is prohibited from including on a consumer credit report, and a person is prohibited from reporting to such agency ( 1 ) medical debt arising from a medically necessary procedure, or ( 2 ) other medical debt less than a year old. I was having a baby which is a medically necessary procedure ... *****Please remove this collection agency from my report****This is prohibited!!!!! 10. ***REMOVE XXXX XXXX XXXX XXXXXXXX ) ***** The Privacy Act of 1974 as amended, ( Privacy Act or the Act ) ( 5 U.S.C. 552a ), Public Law 93-579, provides safeguards against the misuse of records Federal agencies maintain about individuals. In general, the Act requires federal agencies to publish information explaining how records about individuals are collected, maintained, used, and disseminated by the Federal Government. Subject to certain exceptions, the Privacy Act also permits individuals to gain access to their records which are maintained in a system of records and to seek amendment of any incorrect or incomplete information contained in those records. You also commited the following violations : 15 USC 1681 and opting 15 USC 6802-6805. Under the Fair Credit Reporting Act 15 USC 1681 ( b ) 15 USC 6802 non-public person information 15 USC 6802 Opting Out 16 CFR 313.1 Purpose and scope 16 CFR 313.7 ( f ) Credit history does not include income information****According to the IRS ***DISCHARGED***AND CANCELED DEBT ARE TAXABLE INCOME, SO WHY ARE YOU REPORTING INCOME ON MY CREDIT REPORT? ***Remove *****ALL******** CHARGE_OFF ACCOUNTS******WHICH IS CONSIDERED INCOMEXXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX are all in violation of multiple laws set forth by Congress in regards to the following accounts XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( XXXX ) According to 15 U.S.Code 1681a ( 2 ) ( a ) ( i ) it states that the consumer report does not includeinformation solely as to transactions or experiences ( payment history, charge offstatus ), between the consumer ( myself ) and the person ( XXXX ) XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( XXXX ) making the XXXX XXXX 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shall not furnish anyinformation relating to a consumer ( ME ) to any consumer reporting agency if theperson knows or has reasonable cause to believe that the information is inaccurate.The following companies XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX can not collect on a discharged debt . This is now considered a certificate of indebtedness perthe IRS and income can not be reported. The IRS Clearly defines a charge off as Grossor Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMERREPORT which in fact makes reporting of this account inaccurate! I provided ascreenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debtor Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX ) for any of thecancelled debts in order to file as ordinary income. Where is my 1099-C from either XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX ), is clearly writing off debtwith the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! The follow companies XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) have been HEREBY XXXX NOTICE that they are furnishing incorrect inaccurate information. In all of theterms and conditions uploaded XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the yagreed not to share my information with non-affiliates. XXXX is not an affiliate of XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( XXXX ). The only true creditbureau is the CFPB and they DO NOT furnish consumer reports as stated in federallaw. I have a right to privacy and Per the Privacy Act of 1974 as a federally protectedconsumer I am now revoking any and all authorization I the consumer may havegiven you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per theFCRA as a federally protected consumer I am now opting out of any and allauthorization I the consumer may have given you written, non written, verbal, andnon verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S.Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OFINFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall notfurnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the personfor such notices, that specific information is inaccurate ; and ( ii ) the information is, infact, inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello, I just received an alert that an inquiry from XXXX XXXX was made on my consumer report. XX/XX/2024. I AM NOT LIANLE FOR THIS DO NOT GRANT CREDIT. Please delete immediately
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85381
Submitted Via: Web
Date Sent: 2024-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90630
Submitted Via: Web
Date Sent: 2024-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A