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: 92780
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: Their investigation did not fix an error on your report
Consumer Complaint: I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy have been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and is going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnishing people 's information to 3rd party companies so this is illegal, neglect, and fraud. I have already reported this to the local police department and the Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing litigation against this if these items are not removed immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77583
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: 00603
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: Someone opened a credit card with XXXX XXXX XXXX XXXX with a {$20000.00} limit. They used my name, birthdate, and social security number. I contacted XXXX XX/XX/XXXX regarding the fraud, and they have a fraudulent drivers license someone used. The account was opened XX/XX/XXXX. They are in the process of shutting down the account. I made a dispute to the credit bureaus and froze my credit reports. In XX/XX/XXXX, someone also opened a XXXX credit card using my information. I talked to XXXX and they closed the account. Someone added an address and phone number to my XXXX credit report, and I am disputing that. I only learned of this activity through XXXX XXXX. They emailed to inform me of the new cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32935
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 is missing that should be on the report
Consumer Complaint: In my credit history there are three accounts that I XXXX XXXX XXXX would like to draw your attention to. These accounts have or contain false or missing information and I would like them removed from the credit history. The first of them is XXXX XXXXXXXX XXXX account number is XXXX and has a Date Closed XX/XX/XXXX which is False. A Date Opened XX/XX/XXXX which is also False. Also the total information of my payment history is absent or missing. Is this 100 % accurate as FCRA says. I don't think so. I understand that if we follow the law, this account has already been verified and updated many times and it continues to appear that it does not comply with FCRA. This account should be removed please. The second is XXXX XXXXXXXX XXXX Account number is XXXX. Total information on my payment history is absent or missing. Is this 100 % accurate as FCRA says. I don't think so. I understand that if we follow the law, this account has already been verified and updated many times and it continues to appear that it does not comply with FCRA. This account should be removed please. The third is XXXX XXXXXXXX XXXX account number is XXXX the total information on my payment history I never presented a history of arrears that would lead the account to be thrown into Charge off. It was simply Charge off because it seemed that way to them. I understand that before going to Charge off There must be delays of 30,60,90,120 days. That never happened. This account should be removed from my credit history. My entire financial life is in a tremendous crisis due to these accounts that this company maintains in my credit. I am already desperate with this matter
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: 006XX
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: Their investigation did not fix an error on your report
Consumer Complaint: Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77062
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: It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60637
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: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46239
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: Account status incorrect
Consumer Complaint: I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93550
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: 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: MS
Zip: 38671
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A