Date Received: 2024-02-07
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32822
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: My student loans were forgiven back in XXXX and they still appear on my credit report. Credit report showing below : XXXXDEPT OF ED XXXX % paid off {$13000.00} XXXX/DEPT OF ED XXXX % paid off {$10000.00} XXXX/DEPT OF ED XXXX % paid off {$8600.00} XXXX/DEPT OF ED XXXX % paid off {$8600.00} XXXXDEPT OF ED XXXX % paid off {$7800.00} From XXXX : PUBLIC SERVICE LOAN FORGIVENESS UPDATE! Congratulations! You have successfully met the requirements of the XXXX XXXX XXXX XXXX ( XXXX ) Program and all or a portion of your loans listed below have been forgiven. Thank you for your public service! Loans Details XX/XX/XXXX ACCT NUMBER : XXXX XXXX XXXX XX/XX/XXXX {$8600.00} {$0.00} XXXX XXXX XX/XX/XXXX {$8600.00} {$0.00} XXXX XXXX XX/XX/XXXX {$7800.00} {$0.00} XXXX XXXX XX/XX/XXXX {$13000.00} {$0.00} XXXX XXXX XX/XX/XXXX {$10000.00} {$0.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
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: Personal information incorrect
Consumer Complaint: Hey my name is XXXX XXXX These addresses does not belong to me listed below can you please remove them I havent been able to sleep at night. I writing you to let you know that u being put on notice that this addresses listed below are not mine The following address listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen and Im letting you guys let right now. You have aided this fraud by not verfiying these addresses Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) 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 These are not my names ( XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX also these are not my addresses ( 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 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 There may be individuals with a name the same as or similar to mine. Creditors may Have entered My name is incorrect when requesting my credit report. Regardless, There are forms of my name and address that should not appear in my credit file. Please promptly remove all other names in addresses these other forms of my name in address are not correct historical data.Therefore, They must be removed please send me update showing address deleted thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 464XX
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: I do not recognize, nor did I authorize these companies to pull an inquiry of my credit report. 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 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 XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77093
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: Information belongs to someone else
Consumer Complaint: My purse was taken during a community event in 2018. I was advised by law enforcement to monitor all of my accounts in the future. I contacted the credit bureaus and advised them of what had taken place. I recently pulled a copy of my credit report and noticed a account and inquiries that I have no knowledge or affiliation with. These accounts and inquiries have been authorized due to someone having access to my personal information. I have the right to privacy, furnishing accounts to my profile without my written consent is in violation of 15 USC 1681B. After researching this accounts, this account is being furnished due to identity theft. Furnishing any account to my profile in direct relation to identity theft is in violation with 15 USC 1681 c-2
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29154
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: 2024-02-06
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: 00659
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 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: MD
Zip: 21009
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
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: 00987
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60654
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A