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 just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to XXXX and TransUnion requesting for reinvestigation unfortunately the issue remains unresolved to this day. XXXX : XXXX. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 2. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 3. The inquiry was not authorized XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 4. The inquiry was not authorized XXXX Account Number : XXXX Please remove it from my credit report. TransUnion : 1. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 2. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 3. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 4. The inquiry was not authorized XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 5. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 6. The inquiry was not authorized XXXX XXXX Account Number : XXXX Please remove it from my credit report. 7. The inquiry was not authorized XXXX XXXX Account Number : XXXX 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: FL
Zip: 33181
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 150XX
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: Personal information incorrect
Consumer Complaint: I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 150XX
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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX XXXX it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 150XX
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 reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/scrub>XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38141
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: Dear Sir/Madam, I am writing to you regarding discrepancies in my credit report that have come to my attention. After reviewing my credit report, I've noticed inconsistencies in the reporting of the XXXX account, which is affecting the accuracy of my credit profile. As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., consumer reporting agencies like yours are mandated to maintain accurate and fair credit reporting. Specifically, under Section 1681e of the FCRA, it's required that consumer reporting agencies adopt reasonable procedures to ensure maximum possible accuracy in the information they report. Furthermore, Section 1681i grants consumers the right to dispute inaccuracies and request investigations into disputed information. Upon reviewing the credit report provided by your agency, I've noted the following discrepancies regarding the XXXX account : XXXX : No. of Months ( terms ) is reported as XXXX, while TransUnion and XXXX report 63 months. Date Last Active is reported as XX/XX/XXXX, while TransUnion and XXXX report XX/XX/XXXX. Two-Year payment history for XX/XX/XXXX is missing. TransUnion and XXXX : Date of Last Payment is reported as XX/XX/XXXX, while XXXX reports XX/XX/XXXX. Two-year payment history for XX/XX/XXXX is missing. These discrepancies not only violate the FCRA 's requirement for accurate reporting but also undermine my ability to access credit on fair terms. Therefore, pursuant to the FCRA, I kindly request that you immediately investigate and rectify the inaccuracies in the reporting of the XXXX account on my credit profile. I understand that the FCRA mandates a prompt investigation and resolution of disputes within 30 days of receipt of a consumer dispute. Thus, I kindly request that you provide written confirmation of the removal of the inaccurate information from my credit report within this time frame. Thank you for your attention to this matter. I trust that you will address these discrepancies promptly and in accordance with the law. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02155
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: Personal information incorrect
Consumer Complaint: I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30122
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: This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75050
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: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30294
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: My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46220
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A