Date Received: 2024-02-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report.By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX | XX/XX/2022 : Account number : N/A, This inquiry is unauthorized. Please DELETE!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 106XX
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: I am writing to complaint the following information that XXXX XXXX XXXX XXXX supplied to XXXX, Transunion and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to Account ( XXXX opened XXXX XXXX ) that I previously had with XXXX. Prior to the Pandemic I had an Impeccable Payment history XXXX credit score, I value being a financially responsible client. However, during XXXX I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of 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 in reference to this account that I had at the time and requested Hardship options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the 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 XXXX XXXX remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during COVID -19crisis. ( 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 remain the same inaccurately Late Payment history. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
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: My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
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: The following accounts were used unauthorized. It affects my credit file and lifestyle. I need help to remove the following accounts from my credit report. XXXX. XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX. XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on 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 XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 292XX
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: Requested a pay off letter reflecting paid in full and closed. XXXX sent a {$0.00} balance letter but still reflects the account being in discharge status instead of paid and closed as requested by me. The letter is also written in deceptive practices showing at the bottom of the letter stating " This is an attempt to collect a debt. This is definitely not a paid off letter. I honored my responsibility by paying off the debt. XXXX should do the same by giving me a true and honorable letter of paid in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89103
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: I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46375
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: I am writing to formally notify you of a violation of the Fair Credit Reporting Act ( FCRA ) that has negatively impacted my rights as a consumer. Specifically, Transunion has failed to comply with the provisions of 15 U.S.C. 1681b, 1681c-2, and 6802, which have been designed to protect consumer information and ensure timely communication from reporting agencies. Violation of 15 U.S.C. 1681b : It is my understanding that Transunion utilized my consumer report for purposes not prescribed by the FCRA without my explicit consent and failed to provide me with the required notice within five days of this action. This unauthorized access and lack of notification is a clear breach of the FCRA 's guidelines designed to safeguard consumer privacy and inform consumers of the use of their credit information. Violation of 15 U.S.C. 1681c-2 : Additionally, transunion has not adhered to the requirements set forth in 1681c-2 regarding the proper and timely updating of consumer information. This failure has resulted in outdated or incorrect information being reported, further jeopardizing my financial well-being and creditworthiness. Violation of 15 U.S.C. 6802 : transunion has also violated 6802 by failing to provide me with a notice of my rights under the FCRA, which is a fundamental requirement to ensure that consumers are aware of and can exercise their rights to dispute inaccuracies and access their credit information. As a result of these violations, I have suffered unnecessary hardship, including but not limited to, financial damages and undue stress. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. My current and only address is XXXX XXXX XXXX XXXX XXXX, NY XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately delete any and all social security numbers that your company is reporting on my credit report. My date of birth is XX/XX/year>. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. My phone number is XXXX. I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. Thank you, in advance, for honoring my requests. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information I would like my full completed and corrected credit report showing these changes mailed to XXXX XXXX XXXX XXXX XXXX NY XXXX. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33442
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: I am writing to formally dispute inaccuracies in my credit report maintained by Transunion, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous attempts to have these inaccuracies corrected The inaccuracies in my credit report are as follows : If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. My current and only address is XXXX XXXX XXXX XXXX, NY XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately delete any and all social security numbers that your company is reporting on my credit report. My date of birth is XX/XX/year>. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. My phone number is XXXX. I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any other employer than XXXX DEPT OF CORRECTION. Thank you, in advance, for honoring my requests. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information I would like my full completed and corrected credit report showing these changes mailed to XXXX XXXX XXXX XXXX, NY XXXX. Thank you. Under the FCRA, specifically sections 1681i and 1681a, I am entitled to dispute any information in my credit report that I believe to be inaccurate, incomplete, or unverifiable. It is your obligation to conduct a prompt investigation, within 30 days of receiving this notice, to determine whether the disputed information is inaccurate and, if so, to correct or delete it from my file. Furthermore, given that this constitutes my third attempt to rectify these inaccuracies without resolution, I am prepared to take further legal action should these inaccuracies not be corrected as required by law. This includes, but is not limited to, seeking civil remedies under sections 1681n and 1681o of the FCRA for willful and negligent noncompliance, respectively. Additionally, I remind you of your obligations under the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, regarding the disclosure of my personal information, and demand strict compliance with all relevant provisions, particularly given the sensitive nature of this dispute. Please find enclosed copies of documents supporting my position and previous correspondence related to this matter. I expect to receive a written response from you within 30 days of your receipt of this letter, confirming the specific actions you have taken to correct the inaccuracies in my credit report. Should you fail to comply with your obligations under the FCRA, I am prepared to seek all available remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action to ensure my rights are protected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11433
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: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Dispute Regarding Inaccurate INVESTIGATION RESULTS- VERIFIED AS ACCURATE : The disputed item was verified as accurate. Report Created On : XX/XX/year> File Identification Number : XXXX Provided by TransUnion XXXX Relations Dear TransUnion, I am writing to dispute the accuracy of information contained within my credit report. Recently, I discovered that a debt, which I had previously paid in full, was verified by TransUnion as accurate, despite my efforts to rectify this matter. The debt in question pertains to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I want to emphasize that this debt was settled and paid off. Upon learning that TransUnion had verified this debt as accurate, I immediately initiated an investigation into the matter. However, it appears that no proper investigation was conducted to verify the validity of the debt and its status as paid. This erroneous information has significantly impacted my XXXX XXXX and financial standing, causing undue stress and inconvenience. I urge TransUnion to conduct a thorough investigation into this matter and correct the inaccurate reporting as soon as possible. I kindly request that TransUnion remove the erroneous information regarding this debt from my credit report and take the necessary steps to ensure that such errors do not occur in the future. Additionally, I would appreciate regular updates on the progress of the investigation and resolution of this dispute. Please consider this information in your investigation. Thank you for your attention to this matter. I look forward to a prompt resolution and the correction of my credit report. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30060
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 reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33433
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A