Date Received: 2024-02-07
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: LA
Zip: 70816
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I put in a previous dispute for accounts reporting on my credit due to fraud and trans union credit reporting agency responded to needing proof of address sending proof of address to get accounts removed from credit report due to fraud uploading information for dispute # and proof of address
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23601
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 814XX
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization. I the consumer may have given you written, unwritten, verbal & non verbal per 15 USC 6805. I am now rescinding that authorization and that is effective immediately and indefinitely. the account that will be referenced in this complaint is the following : XXXX XXXX XXXX XXXX - account number XXXX account balance {$36000.00} opened on XX/XX/XXXX XXXX XXXX XXXX XXXX - account number XXXX Account balance {$11000.00} opened on XX/XX/XXXX according to 15 U.S. Code 6805 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, as follows. 16 CFR Part 313 any reporting of transaction history is a direct violation of the privacy act of 1974 and is illegal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To begin, per the FRCA, as a Federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given any of the Credit Bureau 's, written, un-written, verbal, non verbal, per 15 USC 6802. According to the Privacy Act of 1974, I have the right to privacy on Third Party Reporting Agencies putting derogatory or negatively impacting information ; as well as The Fair Credit Reporting Act 15 USC 1681 ( a ) and ( b ) that the credit reporting agencies can only place information about me, the consumer, with my written consent or else it will effective banking industry. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I have a side by side proof things have been mis-reported and I have attempted to dispute all of these inconsistencies with the three companies. XXXX, XXXX and TransUnion all have different information, some identity theft, some fraudulent activity and some reporting that I did not request. TransUnion on XX/XX/XXXX I disputed with TransUnion on multiple names that I did not put into their system, nor did I give them permission to use mis-spelled names. There were multiple un-mailable addresses included in my report with TransUnion that they say were updated before my dispute. They were not updated. They have multiple hard inquiries I did not allow and therefore, identity theft and false reporting is still occurring today. There are multiple dates of inaccurate reporting and delinquent mortgage accounts on TransUnion. XXXX and XXXX XXXX both have late payments which have been disputed because they are not my debts. I have never had a XXXX XXXX and it's on my TransUnion file as a closed account, which must be identity theft. As well XXXX. I have received absolutely no correspondence from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 863XX
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to bring to your immediate attention a grave matter concerning my credit reports, which has resulted in severe inconvenience and distress. Recently, I received two credit reports in the mail that do not pertain to me but share my name. Upon scrutiny, I discovered that my credit profile has been erroneously merged and intermingled with those of two other individuals who share my name but possess different social security numbers. Despite my earnest attempts to rectify this situation, XXXX, TransUnion, and XXXX have all refused to address the matter, leaving me in a vulnerable position. I have reached out to each of these credit bureaus through multiple channels, including the CFPB portal, phone calls, and traditional mail. Additionally, I have diligently uploaded copies of my driver 's license and social security number numerous times to substantiate my identity and plead for the correction of this egregious error. The social security numbers erroneously linked to my profile are ( see attachment ) and ( see attachment ). Despite providing comprehensive documentation and evidence, the credit bureaus have repeatedly requested the same information and have shown an unwillingness to resolve this matter. I am hereby formally requesting the immediate deletion of the mixed files associated with the following creditors and debt collectors : XXXXXXXX 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 XXXXXXXX XXXX XXXX Furthermore, I demand a cease and desist from all creditors and debt collectors linked to these erroneous accounts. It is abundantly clear that the information in question was not properly verified by the collection agencies, creditors, or credit bureaus, leading to a blatant violation of my rights and privacy. I am profoundly disappointed by the credit bureaus ' refusal to address this matter in a timely and effective manner. While I strongly prefer to resolve this issue expeditiously and amicably without resorting to legal action, I am prepared to pursue further measures to ensure the accuracy of my credit reports and safeguard my rights as a consumer. I implore the Consumer Financial Protection Bureau to intervene and compel XXXX, TransUnion, and XXXX to take immediate action to rectify this error and ensure the accuracy of my credit reports. Furthermore, I emphasize that I, myself, am writing this letter, and I do not have any credit bureau or third-party agency representing me. I request that a human agent verify this information and explicitly state that I do not consent to any third-party entities, such as XXXX or XXXX, involving themselves in this matter, as they are not deemed reliable sources by me. Thank you for your urgent attention to this matter. I anticipate your swift and decisive action in resolving this distressing situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85023
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: TransUnion has not answered my very simple question and in the past they have claimed to mail me responses which were either never received or addressed. Please answer this XXXX simple question on the CFPB 's messaging system instead of claiming you will mail me an answer : Why did you sell my information to XXXX that was used to set up a false account that is now well in arrears? Especially due to the fact I had/have both credit freezes and fraud alerts in place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11746
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Transunion has failed to update my creditor report numerous times. I have old and outdated information in my report. The report lists accounts that are closed and accounts that do not exist. The TransUnion company tries to blame the banks or creditors. But the other XXXX credit agencies have updated to reflect the proper information under my report. This agency doesn't take ownership for not updating the report monthly like they are supposed to for each consumer. I shouldn't be getting declined for a credit card because of the non-existence of XXXX credit cards, XXXX auto loans, XXXX student loans, and XXXX personal loans on my credit. I have XXXX XXXX XXXX credit card, XXXX XXXX account, XXXX student loan, and XXXX auto loan, and XXXX personal loan. Where are they even getting the wrong information? I need this corrected asap. I need my credit report refreshed for all creditors. The person I spoke with on the phone could see things that me and the creditors are not seeing. How does it work out if a company can see your report is good but the creditors you need can't see your report is good? They still think you have a ton of debt because an old report with collections that have been resolved for years and fake information is posted for all to see.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21061
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A