Date Received: 2024-02-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft please remove this fraud inquiry from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20002
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: Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( on time ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB, FTC and my Attorney General. XXXX XXXX : Account number : XXXX, My identity was stolen. Block this account. XXXX ( Original XXXX XXXX XXXX ) : Account number : XXXX, My identity was stolen. Block this account. XXXX XXXX XXXX : Account number : N/A, My identity was stolen. Block this account. XXXX XXXX XXXX : Account number : N/A, My identity was stolen. Block this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32807
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: XXXX XXXX appears to be in violation of multiple congressional laws pertaining to the XXXX ( XXXX ) accounts detailed in the attached dispute letter. These accounts include XXXX ( XXXX ) credit card accounts and XXXX ( 1 ) auto loan account. In accordance with 15 U.S. Code 1681a ( 2 ) ( a ) ( i ), the consumer report should not encompass information solely related to transactions or experiences, such as payment history, occurring between the consumer ( myself ) and the reporting entity ( XXXX XXXX ). Additionally, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) explicitly states that a person ( XXXX XXXX ) must refrain from furnishing any information to a consumer reporting agency if there exists knowledge or reasonable cause to believe that the information is inaccurate. XXXX XXXX is hereby formally notified of potential discrepancies and inaccuracies in the information provided. As stipulated in their terms and conditions, XXXX XXXX committed to not sharing my information with non-affiliates. Notably, XXXX, XXXX, and TransUnion do not qualify as affiliates of XXXX XXXX, nor are they regarded as " bureaus '' in accordance with federal law. It is crucial to highlight that the sole authorized credit bureau is the Consumer Financial Protection Bureau ( CFPB ), which, as per federal law, does not furnish consumer reports. This notification serves as an alert to XXXX XXXX to review and rectify any inaccuracies promptly to ensure compliance with applicable laws and regulations. They are to address these concerns within the required legal time frames to avoid potential legal consequences. Attached i will have screenshots of transaction history and utilization furnished by XXXX XXXX to the reporting agencies. Here is what the law says : [ 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ] [ 313.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. ( a ) ( 1 ) Conditions for disclosure. Except as otherwise authorized in this part, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless : ( i ) You have provided to the consumer an initial notice as required under 313.4 ; ( ii ) You have provided to the consumer an opt out notice as required in 313.7 ; ( iii ) You have given the consumer a reasonable opportunity, before you disclose the information to the nonaffiliated third party, to opt out of the disclosure; and ( iv ) The consumer does not opt out. ] [ nonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ] [ 15 U.S. Code 6809 - Definitions ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. ] **Privacy Act of 1974** [ 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. ] [ 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ] **15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C . 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law**
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02908
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: This company is in clear violation of the law and needs to update their reporting. I don't know who this company is plus they have access to my report and they are in possession of my personal information without written or verbal consent which falls under identity theft. Violations By Your Company : Identity theft concerns and deprivation of rights : The absence of verbal or written consent for the collection and reporting of personal information by third-party debt collectors not only constitutes a flagrant violation of numerous laws and consumer rights protections but also infringes upon deeply held religious beliefs and constitutional rights. This includes : 1. Violation of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S. Code 1692 et seq. ), particularly Sections 807 and 808, by third-party debt collectors who purchase debt without a contractual agreement with the individual they are reporting on. This violates provisions that prohibit debt collectors from making false or misleading representations and from using unfair or unconscionable means to collect debts. XXXX. Breach of contract laws as third-party debt collectors lack a valid contractual relationship with the individual they are reporting on, failing to establish a legal basis for collecting or reporting the debt. XXXX. Potential violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681 et seq. ) if the third-party debt collector inaccurately reports or updates debt information to credit bureaus without proper verification or validation, thereby impacting the individual 's creditworthiness unfairly. XXXX. Failure to comply with state consumer protection laws governing debt collection practices, including requirements for transparency, accuracy, and fair treatment of consumers. XXXX. Violation of the Privacy Act of 1974 ( 5 U.S. Code 552a ) by disclosing sensitive personal information without proper authorization. Third-party debt collectors are restricted from obtaining or disclosing personal information unless explicitly permitted by law or authorized by the individual. XXXX. Infringement upon the individual 's rights under the Fair Credit Reporting Act ( FCRA ) if the third-party debt collector reports inaccurate or outdated information to credit reporting agencies without conducting a reasonable investigation into the validity of the debt, leading to potential harm to the individual 's credit reputation. Additionally, the third party lacks the " first-party interest '' necessary to justify the reporting under the FCRA. Deprivation of religious beliefs and constitutional rights, as protected by the First Amendment of the U.S. Constitution, by imposing reporting practices that conflict with an individual 's religious beliefs and by infringing upon their right to financial autonomy and privacy, leading to significant damages that deprive individuals of their right to freedom. These multifaceted violations not only undermine legal protections but also undermine fundamental principles of religious freedom, constitutional rights, and individual autonomy, necessitating urgent remedial action to protect affected individuals.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30078
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: PR
Zip: 00754
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: As a victim, I am writing to dispute information contained in my credit file regarding unauthorized inquiries. It is important to stress that under the Fair Credit Reporting Act ( FCRA ), all unverifiable and unauthorized information must be removed. It is deeply concerning that my rights have been violated by the reporting agencies, despite providing them with proper documentation, such as an FTC report, to conduct their investigation. Regrettably, I never received a follow-up regarding my request. It is crucial to note that as a credit reporting agency, you are required to maintain strict procedures to ensure that all public record information likely to have an adverse effect on a consumer is complete and up to date. You have a legal obligation to complete your investigation within 30 days, as permitted by law, and mail the results to me. Any failure to do so will only compound the situation and further harm my credit profile forcing me to take more drastic measures. Please be aware that your credit reporting agency is now subject to federal consumer financial laws, including the FCRA and related regulations. These laws include a ban on " abusive '' acts or practices, as outlined in Section 1031 of the Dodd-Frank Act. Therefore, I implore you to take this matter seriously and act promptly to remove any unauthorized inquiries from my credit file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60636
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: 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: FL
Zip: 33130
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: As a victim, I am writing to dispute information contained in my credit file regarding unauthorized inquiries. It is important to stress that under the Fair Credit Reporting Act ( FCRA ), all unverifiable and unauthorized information must be removed. It is deeply concerning that my rights have been violated by the reporting agencies, despite providing them with proper documentation, such as an FTC report, to conduct their investigation. Regrettably, I never received a follow-up regarding my request. It is crucial to note that as a credit reporting agency, you are required to maintain strict procedures to ensure that all public record information likely to have an adverse effect on a consumer is complete and up to date. You have a legal obligation to complete your investigation within 30 days, as permitted by law, and mail the results to me. Any failure to do so will only compound the situation and further harm my credit profile forcing me to take more drastic measures. Please be aware that your credit reporting agency is now subject to federal consumer financial laws, including the FCRA and related regulations. These laws include a ban on " abusive '' acts or practices, as outlined in Section 1031 of the Dodd-Frank Act. Therefore, I implore you to take this matter seriously and act promptly to remove any unauthorized inquiries from my credit file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60636
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: As a victim, I am writing to dispute information contained in my credit file regarding unauthorized inquiries. It is important to stress that under the Fair Credit Reporting Act ( FCRA ), all unverifiable and unauthorized information must be removed. It is deeply concerning that my rights have been violated by the reporting agencies, despite providing them with proper documentation, such as an FTC report, to conduct their investigation. Regrettably, I never received a follow-up regarding my request. It is crucial to note that as a credit reporting agency, you are required to maintain strict procedures to ensure that all public record information likely to have an adverse effect on a consumer is complete and up to date. You have a legal obligation to complete your investigation within 30 days, as permitted by law, and mail the results to me. Any failure to do so will only compound the situation and further harm my credit profile forcing me to take more drastic measures. Please be aware that your credit reporting agency is now subject to federal consumer financial laws, including the FCRA and related regulations. These laws include a ban on " abusive '' acts or practices, as outlined in Section 1031 of the Dodd-Frank Act. Therefore, I implore you to take this matter seriously and act promptly to remove any unauthorized inquiries from my credit file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60636
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 reached Transunion Credit Bureau several times to dispute incorrect information for an account on my credit report for account XXXX XXXX. I told them several times that the information is incorrect for the account remarks/status. XXXX XXXX on my credit report is showing XXXX XXXX Wage Earn Payment Plan Account. It needs to say discharged under XXXX XXXX bankruptcy. I have called XXXX XXXX and they tell me it is a Transunion problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55303
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A