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: MD
Zip: 212XX
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: ATTN : Risk Management Officer This is a DEMAND TO COMPLY LETTER with written instruction as it relates to I the consumer Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). Under the Fair Credit Reporting Act has been established by Congress, your agency role to me the principal, A consumer, in fact, is to adopt reasonable procedures to uphold the need to ensure that your grave responsibilities fairness, impartiality, and respect for my right to privacy must be maintained for maximum possible accuracy. Under 15 U.S. Code 1681e et seq, you may not procure or furnish a consumer report without following 15 U.S. Code 1681b ( a ) ( 2 ) as my written instructions as it relates. There has been a violation of these reasonable procedures because as I showed within my attachments there has been inaccurate and unverifiable information removed from another consumer reporting agency and has not been removed from your system. You should be aware your failure to maintain your reasonable procedures for maximum possible accuracy has resulted in a conspiracy that deprived me of my right pursuant to the Truth In Lending Act subsection 1602 ( f ) to extend new credit for me. This deprivation of my rights is a federal criminal violation under 18 U.S. Code 241. I am well aware of the fact that the reasonable procedures requiring each consumer reporting agency to compile and maintain files on consumers on a nationwide basis shall establish and maintain a notification system jointly with other such consumer reporting agencies pursuant to 15 U.S. Code 1681b ( e ) ( 6 ). Understand this is NOT a dispute letter as there is nothing to dispute. I am DEMANDING you, the agent, follow your fiduciary responsibility to me and REMOVE/DELETE the following information from my consumer file. This has been an egregious failure to follow your very own reasonable procedures required by the Fair Credit Reporting Act. In the zip file attachment included with this letter, you will see my identifying information as well as my consumer report from Transunion, XXXX, and XXXX which shows these inaccurate and unverifiable information. However, these accounts are reported to the reporting agencies. This should not exist. You must have joint systems to notify each other of this incorrect information as consumer reporting agencies to maintain the maximum possible accuracy. This is a violation and failure to maintain your reasonable procedures for maximum possible accuracy and is false and misleading reporting. This information is also incorrect and falsely reports Metro 2 fields that do not match Transunion, XXXX, and XXXX. I demand these accounts be removed from the consumer report by your consumer reporting agency for the federal law violation of failure to maintain your reasonable procedures for maximum possible accuracy and violation for failing to promptly delete the items of information as required for treatment of inaccurate or unverifiable information pursuant to 15 U.S. Code 1681i ( 5 ) ( A ). REMOVE/DELETE the following accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE these accounts UNDER PENALTY OF PERJURY, DELETE these accounts for violation of 15 U.S. Code 1681e, Failure to maintain reasonable procedures, 15 U.S. Code 1681b ( e ) ( 6 ), FDCPA Violation of 15 U.S. Code 1692e False and Misleading reporting, Violation of 15 U.S. Code 1681i ( 5 ) ( A ). Deprivation of Rights 18 U.S. Code 241. I am demanding my remedy for your willful noncompliance with each violation of the law. ? Violation of 15 U.S. Code 1681e- {$1000.00}? Violation of 15 U.S. Code 1681b ( e ) ( 6 ) - {$1000.00}? Violation of 15 U.S. Code 1692e- {$1000.00}? Violation of 15 U.S. Code 1681i ( 5 ) ( A ) - {$1000.00} Total Amount Due : {$4000.00} I am well aware you have no legal standing in court and there are numerous counts of case law which illustrate the consumer reporting agencys failure to maintain reasonable procedures is grounds for a suit and judgment in favor of the plaintiff. I am not afraid to take legal action to cure my injury brought by each company. l am demanding that you remove this transaction from my report immediately as it is a violation of my rights as a federally protected consumer under Title 15 chapter 41. I understand that you are required to notify me within 30 days and provide me with an updated copy of my credit report. Your willful noncompliance has civil liability under 15 U.S. Code 1681n et seq. CC : XXXX XXXX CC : CFO/CEO CC : XXXX XXXX XXXX CC : CFPB CC : XXXX CC : XXXX Attorney General CC : Federal Trade Commission
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60623
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: 2024-02-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I RECENTLY REQUEST INFORMATION FROM TRANSUNION AND XXXX FOR REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT AND BY THE FCRA, 15 USC 1681i ( 6 ) ( b ) ( 3 ). I HAVE COPIES OF EACH ACCOUNTS THAT I HAVE ATTACHED BELOW
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30274
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: 2024-02-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under 15, US Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency any WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed immediately! - XXXX XXXX # XXXX Date : XX/XX/2024 Amount : {$800.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33612
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: 2024-02-07
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 XXXX Account numbers XXXX and XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18042
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: TX
Zip: 76065
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: 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. has violated my rights. Or a list of inquiries : 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: GA
Zip: 30349
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: 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. Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : has violated my rights. Or a list of inquiries : 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: GA
Zip: 30316
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: XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TRANSUNION, TRANS UNION LLC, and TRANSUNION XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquires reported was fraud. Said company had XXXX business days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TRANSUNION, TRANS UNION LLC, and TRANSUNION XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TRANSUNION, TRANS UNION LLC, and TRANSUNION XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX has XXXX days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signture. Consumer is not asking for an XXXX report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TRANSUNION, TRANS UNION LLC, and TRANSUNION XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX does not have documentation to show these were in fact authorized it must be removed immediately. 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 AND NON-VERBAL PER 15 USC 6802. Pursuant to Section 604 ( a ) ( 2 ) of the Fair Credit Reporting Act ; any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates. PURSUANT to 15 USC 6802 ( b ) ( 1 ) ( C ) : 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 Pursuant to 15 USC 6809 ( 4 ) 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. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information. 16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. ( h ) Delivery. When you are required to deliver an opt out notice by this section, you must deliver it according to 313.9. 16 CFR 313.9 Delivering privacy and opt out notices : ( a ) How to provide notices. You must provide any privacy notices and opt out notices, including short-form initial notices, that this part requires so that each consumer can reasonably be expected to receive actual notice in writing or, if the consumer agrees, electronically. ( b ) ( 1 ) Examples of reasonable expectation of actual notice. You may reasonably expect that a consumer will receive actual notice if you : ( i ) Hand-deliver a printed copy of the notice to the consumer ; ( ii ) Mail a printed copy of the notice to the last known address of the consumer; ( iii ) For the consumer who conducts transactions electronically, clearly and conspicuously post the notice on the electronic site and require the consumer to acknowledge receipt of the notice as a necessary step to obtaining a particular financial product or service ; ( iv ) For an isolated transaction with the consumer, such as an ATM transaction, post the notice on the ATM screen and require the consumer to acknowledge receipt of the notice as a necessary step to obtaining the particular financial product or service. ( 2 ) Examples of unreasonable expectation of actual notice. You may not, however, reasonably expect that a consumer will receive actual notice of your privacy policies and practices if you : ( i ) Only post a sign in your branch or office or generally publish advertisements of your privacy policies and practices ; ( ii ) Send the notice via electronic mail to a consumer who does not obtain a financial product or service from you electronically. ( c ) Annual notices only. You may reasonably expect that a customer will receive actual notice of your annual privacy notice if : ( 1 ) The customer uses your web site to access financial products and services electronically and agrees to receive notices at the web site and you post your current privacy notice continuously in a clear and conspicuous manner on the web site; or ( 2 ) The customer has requested that you refrain from sending any information regarding the customer relationship, and your current privacy notice remains available to the customer upon request. ( d ) Oral description of notice insufficient. You may not provide any notice required by this part solely by orally explaining the notice, either in person or over the telephone. ( e ) Retention or accessibility of notices for customers ( 1 ) For customers only, you must provide the initial notice required by 313.4 ( a ) ( 1 ), the annual notice required by 313.5 ( a ), and the revised notice required by 313.8 so that the customer can retain them or obtain them later in writing or, if the customer agrees, electronically. ( 2 ) Examples of retention or accessibility. You provide a privacy notice to the customer so that the customer can retain it or obtain it later if you : ( i ) Hand-deliver a printed copy of the notice to the customer ; ( ii ) Mail a printed copy of the notice to the last known address of the customer; or ( iii ) Make your current privacy notice available on a web site ( or a link to another web site ) for the customer who obtains a financial product or service electronically and agrees to receive the notice at the web site. ( f ) Joint notice with other financial institutions. You may provide a joint notice from you and XXXX or more of your affiliates or other financial institutions, as identified in the notice, as long as the notice is accurate with respect to you and the other institutions. ( g ) Joint relationships. If XXXX or more consumers jointly obtain a financial product or service from you, you may satisfy the initial, annual, and revised notice requirements of 313.4 ( a ), 313.5 ( a ), and 313.8 ( a ) by providing XXXX notice to those consumers jointly, unless XXXX or more of those consumers requests separate notices. 16 CFR 313 PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION comes from the authority of 15 USC 6801 : Protection of nonpublic personal information. Privacy Act of 1974 : All charge-offs are considered a certificate of indebtedness which is considered income which must be removed. ( SEE IRS PUBLICATION ). CONSUMER HAS ASKED XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TRANSUNION, TRANS UNION LLC, and TRANSUNION XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX TO REMOVE INACCURATE INFORMATION, to OPT-OUT, and to remove transaction and utilization history pursuant to law. THEYVE REFUSED MULTIPLE TIMES TO COMPLY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90039
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXXXX/XX/year> I am reporting a fraudulent inquiry found in my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91042
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A