Date Received: 2024-02-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was looking over my credit report and was very frustrated to find that there were a number of inquiries being falsely reported without my consent. The bureaus did me a major disservice by putting this inquiries on my report with any kind of verification that they were true and accurate. I did not give them permission to give away my information to the companies listed on the given dates and need this fixed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70805
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am writing to file a formal complaint against TransUnion, XXXX, and XXXX regarding the inaccurate information on my credit report. Despite multiple attempts to address and rectify the inaccuracies, action has yet to be taken by the credit bureaus in question. The disputed items on my credit report include the following : TransUnion : 1. The inquiry was not authorized. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 2. The inquiry was not authorized. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 3. The inquiry was not authorized. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 4. The inquiry was not authorized. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. The inquiry was not authorized. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 6. The inquiry was not authorized. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX : 1. The inquiry was not authorized. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 2. The inquiry was not authorized. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 3. The inquiry was not authorized. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 4. The inquiry was not authorized. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. The inquiry was not authorized. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 6. The inquiry was not authorized. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 7. The inquiry was not authorized. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 8. The inquiry was not authorized. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 9. The inquiry was not authorized. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 10. The inquiry was not authorized. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX : 1. The inquiry was not authorized. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 2. The inquiry was not authorized. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 3. The inquiry was not authorized. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 4. The inquiry was not authorized. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. The inquiry was not authorized. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 6. The inquiry was not authorized. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 7. The inquiry was not authorized. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 8. The inquiry was not authorized. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. I have made XXXX attempts to request the credit bureaus to delete the inaccurate information through written disputes, providing supporting documentation to substantiate my claims. However, despite my efforts, no resolution or corrective action has been taken by the credit bureaus to rectify these inaccuracies. I am seeking the intervention of the Consumer Financial Protection Bureau to investigate this matter and ensure that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ). I request that the inaccurate information be promptly removed from my credit report to restore the accuracy and integrity of my credit history. Attached with this complaint are copies of the relevant documentation, including my written disputes, supporting evidence, and any responses received from the credit bureaus. I appreciate your prompt attention to this matter and look forward to a resolution that upholds the principles of fairness and accuracy in credit reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29708
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
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: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I sincerely urge you to remove this item from my credit report as it's not associated with me and is completely fraudulent. I kindly ask that you swiftly investigate and correct this inaccuracy on my credit history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To assist you with filing a complaint regarding the inaccuracies in your credit report and the handling of your dispute by the credit bureau, I'll draft a letter that you can use. This letter will reference the relevant U.S. Code ( 15 USC 1681i ) which outlines the responsibilities of credit reporting agencies to conduct a reasonable reinvestigation upon dispute To Whom It May Concern, I am writing to express my dissatisfaction with the handling of my recent dispute, filed on XX/XX/XXXX, regarding inaccuracies in my credit report, specifically related to the XXXX XXXX account ( account number : XXXX ). Despite providing necessary documentation and utilizing certified mail ( tracking number : XXXX ) to ensure the delivery of my dispute letter, the inaccuracies remain unaddressed. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are mandated to conduct a " reasonable reinvestigation '' to determine whether the disputed information is inaccurate and to correct or delete any inaccuracies within a specific timeframe. The failure to perform such an investigation not only undermines my financial integrity but also violates my rights under the FCRA. Given the gravity of this matter and its potential impact on my financial health, I urge XXXX to undertake a thorough and expedient reinvestigation of the disputed account. I expect the inaccuracies to be corrected, including any information that can not be verified as accurate, and to receive a written confirmation of these corrections. Please be aware that I am prepared to take further action, including seeking legal remedies, should there be continued non-compliance with the FCRA requirements. I trust that it will not come to this and that XXXX will act promptly to rectify this situation. I look forward to your prompt response and a resolution to this matter. Please update me with any progress or additional information required from my end. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92626
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Inquiry Date : XX/XX/XXXX CR XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX These accounts are not accurate or verified as belonging to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28213
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX Account 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 I t also states a consumer reporting agency can not furnish an 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: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
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 was trying to be a house and I realized that I had damages on my credit report. According to the 15 U.S.C 1681 there should not be any damages on my credit report its a deformation to my character.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38401
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: 1 ) Can not temporarily thaw/unfreeze my credit report via Transunion.com 2 ) Can not access my credit report via XXXX and/or TransUnion.com 3 ) Can not submit online disputes via TransUnion.com 4 ) Can not manage fraud alerts via TransUnion.com 5 ) Can not manage my consumer statements via TransUnion.com
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A