Date Received: 2024-02-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My name is XXXX XXXX, and I am compelled to submit this complaint due to the repeated unauthorized attempts to secure an auto loan using my credit profile. The numerous inquiries on my credit report are alarmingly high, posing a significant threat to my financial well-being. It is imperative that immediate action is taken to safeguard my credit. Therefore, I kindly request the placement of an extended fraud alert on my credit file. Furthermore, I emphatically request that no financial transactions or approvals be granted without my explicit consent. For any inquiries or account openings, I insist that you reach out to me directly at XXXX prior to any action. Your cooperation in ensuring the security of my financial affairs is greatly appreciated. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60409
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: DEAR XXXX, XXXX AND TRANSUNION, THE INACCURATE INFORMATION ON MY CONSUMER REPORT THAT I HAVE BEEN DISPUTING WITH YOUR COMPANY KEEPS COMING BACK " VERIFIED '' OR " UPDATED ''. EVERYTHING VERIFIED SHOULD BE UNDER OATH!!!! I HEREBY DEMAND YOUR COMPANY TO PROVIDE ME UNDER PENALTIES OF PERJURY PURSUANT TO 28 USC 1746 WITH THE FOLLOWING VERIFIED DOCUMENTARY EVIDENCE OF THE NAMES AND ADDRESSES OF THE PERSONS WHO YOU'VE DONE THE RE-INVESTIGATION WITH INCLUDING EXACT TIME AND DATES THE INVESTIGATIVE REPORT WAS DONE. PLEASE BE ADVISED FAILURE TO COMPLY WITH MY REQUEST SHALL PUT YOUR COMPANY IN LEGAL TROUBLE XXXX, XXXX XXXX ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish 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 person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Ensuring punctual payments, I have never experienced delays on this account. I'm unsure why there are indications of late payment remarks on my accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92692
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have filed dispute over inaccurate personal information listed on my credit report. I have waited over 30 days and tried to give Transunion, XXXX and XXXX a chance to resolve this issue pursuant to 15 USC 1681s-2-b ( ii ). I filed a re-investigation, and still no lawful response Transunion, XXXX and XXXX has chosen to violate and ignore the statues of the Fair Credit Reporting Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15146
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Prior to XXXX I had Impeccable Payment history 800 credit score, I value being a financial responsible client/consumer. However, during XXXX I suffered from a major hardship, I had great death in my family I lost my former husband, who at the time was my primary source of income. I also was laid off my Job due to major cutbacks. Being a Widowed wife and a mother XXXX XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to XXXX XXXX XXXX XXXX XXXX in reference to 2 Accounts that I had at the time with them. ( XXXX & XXXX ) and requested Hardship options, I agreed to do a settlement with lender account was paid. I was informed me that account would be kept current, no late payments will be reported due to me agreeing to settle account. According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I contest that creditor remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditor adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amends Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXX. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue I have reached out to them in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts still remain the same inaccurately Late Payment history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21239
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have reached out to these companies as well as TransUnion XXXX and XXXX about the misuse of all unauthorized information that is reporting to my credit report. The Congress enacted the federal Fair Debt Collection Practices Act, a 1977 law that prohibits third-party collection agencies from harassing, threatening and inappropriately contacting someone who owes money. And all these laws have been broking. I have sent dispute letters and no responses in a manurable time. I would like to have these companies investigated as well as having these accounts removed and deleted from my credit report. I've attached the information that was sent. XXXX. The inquiry was not authorized XXXX Date of inquiry XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Dear Credit Credit Bureaus, I am writing to express my deep dissatisfaction with the handling of my disputes regarding XXXX accounts that I strongly believe to be fraudulent and the result of identity theft. The accounts in question are XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Despite multiple attempts to bring this matter to your attention, I have yet to see any meaningful resolution. I have repeatedly requested information under UCC 11 to validate these accounts, but to no avail. It is deeply concerning that despite my efforts, these fraudulent accounts remain on my record, in clear violation of federal laws. Furthermore, I have submitted an affidavit of identity theft, providing clear evidence of the fraudulent nature of these accounts. However, it appears that this important documentation has been disregarded, and a proper investigation into the matter has not been conducted. This failure to address my concerns could potentially lead to legal repercussions, and I am deeply troubled by the lack of action on your part. I am formally requesting that these fraudulent accounts be promptly removed from my credit report, and that all necessary updates be made without further delay. Enclosed with this letter, you will find a copy of the affidavit of identity theft that I previously submitted for your reference. Please be advised that this is my final attempt to resolve this matter amicably before considering taking legal action. I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to pursue all available legal avenues to ensure that my dispute is handled properly and in accordance with the law. I urge you to take immediate action to address this situation and rectify the errors on my credit report. I expect a prompt response within [ specify a reasonable timeframe ] confirming the removal of these fraudulent accounts. Thank you for your attention to this matter. I look forward to your swift resolution of this issue. Sincerely, XXXX XXXX Enclosure : Affidavit of Identity Theft Social security number Lease with address
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92346
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: There are a number of inquiries that were placed on my credit report without my consent. The bureaus have indirectly verified these inquiries as accurate and verified by pl ; acing them on my report ; however I never gave them any permission to give my information away to any of the companies attached on the dates stated. So that being said I need these errors corrected straight away.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60644
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I submitted accounts to all 3 credit bureaus to investigate accounts on my credit report. Each account came back as verified by all 3 bureaus. However, the credit bureaus failed to do their due diligence in verifying the accounts, as they were no changes made to any of the accounts and they still appear as they did before the dispute- with numerous inaccuracies across the board.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 791XX
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A