Date Received: 2024-02-07
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I am filing a formal complaint against TransUnion for their failure to respond adequately to a dispute letter that I mailed on XX/XX/scrub>XXXX XXXX XXXX requesting an investigation into inaccurate items on my credit report. In my dispute letter, I specifically requested an investigation into the entry for Bankruptcy XXXX XXXX XXXX XXXX XXXX. Additionally, I disputed incorrect personal information listed on my credit report. To assist TransUnion in verifying my identity and address, I included copies of my photo ID, social security card, and a recent bill with my current address. Unfortunately, I received a response from TransUnion, dated XX/XX/scrub>XXXX XXXX XXXX indicating that they were unable to process my request because it did not appear to have been sent directly by me or an authorized third party. This response suggests a failure on TransUnion 's part to acknowledge the legitimacy of my dispute and comply with their obligations under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, credit bureaus are required to conduct a reasonable reinvestigation when the completeness or accuracy of any information is disputed by the consumer. It is evident that TransUnion has failed to fulfill this obligation, thereby violating my consumer rights. Enclosed with this complaint are copies of the dispute letter I sent to TransUnion, along with the USPS certified mail proof of delivery and TransUnions response, serving as evidence of my attempt to address inaccuracies in my credit report and TransUnion 's failure to conduct a proper investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60638
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 status incorrect
Consumer Complaint: I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify 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: IL
Zip: 60827
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: Received unsolicited financial product or insurance offers after opting out
Consumer Complaint: My husband and I recently went through a mortgage prequalification process with our bank, to prepare for searching for a new home. As part of this process, our bank pulled our credit reports. We completed the prequalification process on this past Sunday, XX/XX/XXXX. Beginning on Monday, and for the last 3 days, we have both received unsolicited calls and texts from various mortgage brokers and companies regarding our " interest in obtaining a mortgage. '' Both of our cell phone numbers are on the Do Not Call List ( since 2003 ) and both of our personal emails are registered on XXXX. I am not sure if this current situation technically falls under the definition of a pre-screen solicitation, but that seemed like the closest option to select. I have contacted our bank about it also, because we had both opted out of information sharing, and wanted the bank to know what was going on. One of the people who texted my husband specifically said she had received information through the credit bureaus ( XXXX, TSU, XXXX ) suggesting that a recent credit pull was related to interest in a mortgage product, so she was inquiring to see if we would discuss if she could offer better rates. Our personal information has been shared, and the irony is that we're being harassed by mortgage professionals, but we haven't even looked at any houses yet. This was just the first step get prepared to be able to look at houses and eventually make an offer. And it's worse than if we just got random mailers about products, b/c this is actually related to a decision we are trying to make that we would have liked to keep private. Certainly don't need the stress of dealing with phone calls from people we don't know about it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33435
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX Iowa XXXX Re : Complaint Regarding TransUnions Mishandling of Dispute and Unauthorized Removal of Accounts To Whom It May Concern, I am writing to file a formal complaint against TransUnion for their mishandling of my credit report dispute, a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681a. On XX/XX/XXXX, I initiated a dispute with TransUnion regarding certain items on my credit report. My request, as clearly stated in my dispute letter, was for the information to be updated in accordance with 15 USC 1681a. This request did not include or imply the removal of any accounts from my credit report. The specific instruction was for an update to reflect the current and accurate status of the reported items, not their deletion. Despite the clarity of my instructions, TransUnion has failed to act accordingly. On XX/XX/XXXX, during a phone call with a TransUnion specialist, I was informed that my letter did not direct the removal of any accounts. However, to my distress, TransUnion has nevertheless removed most of the accounts in question from my credit history. This action is not only in direct contravention of my explicit instructions but has also caused me considerable emotional distress and potential financial harm by erasing years of credit history that I have diligently worked to build. This erroneous removal of credit history is not only an operational failure on the part of TransUnion but also a serious negligence of their duty to maintain accurate and fair credit reporting as mandated by the FCRA. It is important to note that I filed the same dispute with XXXX and XXXX, and both credit reporting agencies correctly understood and complied with my instructions to update, rather than remove, the accounts in question. I am hereby requesting immediate intervention from the Consumer Financial Protection Bureau to address this grievous error. The accounts that were unjustifiably removed from my credit report must be reinstated with the updated and accurate information as originally requested. Furthermore, I seek a thorough investigation into TransUnions dispute resolution processes to ensure that such an error does not recur, affecting me or other consumers. Below is a copy of the dispute letter that was sent to TransUnion, XXXX, and XXXX for your review : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX Sub : Dispute of Credit Report Information Dear Sir/Madam , I am writing this letter to dispute certain information in my credit report. I have reviewed my credit report and found that the utilization rates of the following accounts are inaccurately reported : XXXX. XXXX XXXX : 92 % utilization XXXX XXXX XXXX : 98 % utilization XXXX. XXXX XXXX XXXX XXXX : 97 % utilization XXXX. XXXXXXXX XXXX XXXXXXXX : [ Current reported utilization ] According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, specific transactions should not be reflected in a consumer 's credit report. The high utilization rates reported by the aforementioned lenders do not seem to comply with this provision and are therefore disputed. I kindly request you to investigate the mentioned items and, in accordance with 15 U.S.C. 1681, update all aforementioned accounts to 0 % utilization. I believe this rectification is in line with the consumer protection guidelines set forth in the FCRA. Enclosed are the copies of the credit report pages where the disputed items appear. If you require any further information to facilitate your investigation, please do not hesitate to contact me at the email address or phone number listed above. I request your prompt attention to this matter as it is impacting my credit score, and I am considering future financial opportunities that require a clean and accurate credit report. Thank you for your anticipated cooperation. Sincerely, [ Your Name ] Enclosure : Credit Report Pages CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NOTE : This letter is a template and needs to be customized to your specific situation. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, primarily governs the collection, dissemination, and use of consumer information, including consumer credit information. Please consult with a legal professional to ensure the accuracy of your claims before sending any dispute letter. Also, remember that it's crucial to send this letter through certified mail, ensuring you have a record of the bureaus receiving your dispute. I trust that the Consumer Financial Protection Bureau will take my complaint seriously and act swiftly to rectify this issue. The impact of TransUnions actions on my financial well-being is significant and can not be overstated. I am prepared to provide any additional information or documentation as required to assist in this matter. Thank you for your immediate attention to this serious issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46234
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: 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 Faith Credit Reporting. Everything has to be 100 % accurate in my report. The credit bureau stated that my account was properly investigated but how is that possible if the open date is inaccurate, and date last reported is inaccurate, among other things that has been highlighted and circled I have included. This is grounds for removal because it violates my rights. Under 1561 U. S.C. Section 602 A. States I have the right to pricacy. 1561 U. S. C. Section 604 section 2 states a consumer reporting agency can not furnish my 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: DC
Zip: 20019
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 requesting that it will be removed from my credit report as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72032
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: 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 consumers right to privacy. '' XXXX, Trans Union, and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to ensure my private information isn't shared and is backed by 15 USC 6801, which states, " 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. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) Section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXXXXXX XXXX the financial institution, and the Consumer Reporting Agencies XXXX XXXX Trans Union XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Trans Union, XXXX, and XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' These accounts are adverse items being reported, again, without my permission, violating the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Trans Union, and XXXX are not maintaining reasonable procedures. The disclosure of private information and any transaction history is a violation of the Privacy Act of 1974. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of these reporting services. Any and all disclosure of private information and reporting of transaction history is illegal and a violation of the FCRA, the Privacy Act of 1974 and the above federal laws.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85249
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: In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX has violated my rights. 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38106
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 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: TN
Zip: 371XX
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: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 if 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: MD
Zip: 20706
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A