Date Received: 2024-02-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: i have provided proof to the lender and XXXX of not only my payments but over payments as well to close out my account and i was sent to collections for a charge off amount of XXXX $ when my account had been way more then paid off by my insurance company due to a total loss.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90047
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: I recently checked my credit report and saw accounts reporting that I do not recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77090
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. 2. 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. 3. 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. 4. Failure to comply with state consumer protection laws governing debt collection practices, including requirements for transparency, accuracy, and fair treatment of consumers. 5. 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. 6. 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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48188
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 sent letters out to transunion, XXXX, and XXXX about inaccurate information reporting on my credit report.15 USC 1681eb and 15 USC 1681i5 and request deletion of the items off my credit report. I also attach a copy of my letters below for your reference.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77407
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: Got an alert from XXXX XXXX changes of changes to my credit report on XXXX pulled my reports from XXXX. I called Transunion and asked for fraud department and was told I needed a FTC or police report and needed to send copy of Identification, ( DL ) and copy of Social Security Card and either a current bill or bank statement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30016
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 info being reported on my consumer report is incorrect.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 302XX
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: NJ
Zip: 077XX
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: I was looking into my credit report the other day and what I found made me very XXXX then I was overwhelmed with helplessness. During my investigation I found evidence that the agencies did not their job of verifying the accuracy of their reportings and this is causing me a lot of stress and XXXX because what they are reporting is entirely inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
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 was a victim of ID Theft about 3 yrs ago. I went a tax service to have my taxes prepared, later I was informed that I may have been a victim of ID Theft. I ordered a copy of my report and noticed several items that I did not personally opened. I am requesting the following items be removed from my credit report. XXXX XXXX opened XX/XX/XXXX balance : {$38000.00} XXXX opened XX/XX/XXXX balance : {$35000.00} XXXX opened XX/XX/XXXX balance : {$18000.00} XXXX opened XX/XX/XXXX balance XXXX {$8700.00} XXXX opened XX/XX/XXXX balance : {$10000.00} XXXX opened : XX/XX/XXXX balance : {$2900.00} -XXXX opened : XX/XX/XXXX balance : {$15000.00} -XXXX opened : XX/XX/XXXX balance : {$14000.00} XXXX XXXX XXXX opened : XX/XX/XXXX balance : {$18000.00} XXXX opened : XX/XX/XXXX balance : {$7200.00} -XXXX opened XXXX XX/XX/XXXX balance : {$2800.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A