Date Received: 2024-02-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I want to emphasize that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully urge you to prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60620
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 DOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNTS. I PROVIDED PROPER DOCUMENTATION
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78744
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 find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38128
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70601
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 status incorrect
Consumer Complaint: My rights have been violated and the improper use of data furnishing is causing financial hardship. 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, XXXX, Transunion are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which 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. '' ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Transunion, 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, XXXX, & Transunion ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) 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. '' This account is an adverse item they are reporting again without my permission which is against 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. Transunion, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services of any collection agencies. Also, Reporting Transaction history is also illegal according to 15 U.S. Code 1681a. All data must be furnished correctly. To enforce my rights, I request Under 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89032
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: I AM asking for a investigation in this matter I have three accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card- XXXX I am not disputing the verfication of these accounts what i am asking for if I received a XXXX from all three company for a amount that is not same as ALL these three accounts don't the account therfore to be removed. I just want to confirm that the information on my credit report is 100 % accurate so I want to verify that the information as the amount I owe is correct and I am asking if its not can the accounts be deleted because these accounts are reporting information that is not accurate as my 1099s show a different amount. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10452
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: Reporting company used your report improperly
Consumer Complaint: According with the fair credit reporting at the list of accounts below have validated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX account number XXXX Account name : XXXX XXXX XXXX account number XXXX Account name XXXX XXXX XXXX account number XXXX account name : XXXX XXXXXXXX XXXX XXXX account number XXXX account name : account number XXXX account name : XXXX XXXX XXXX account number XXXX account name : XXXX XXXX account number XXXX account name XXXX XXXX account number XXXX account name : XXXX XXXX XXXX account number XXXX account name : XXXX XXXX XXXX account number XXXX Account names. Has violated my rights.15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish it 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 items of information, other than records, or convictions of crimes, which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ). A person should not furnish any information related to a consumer to any consumer reporting agency is the Personal knows or has reasonable calls to believe that the information is in accurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29150
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: Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38128
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: None of those numbers on my credit report are mine, and never were my numbers. My number is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 086XX
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: Reporting company used your report improperly
Consumer Complaint: Do to The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and. privacy of information in the files of consumer reporting agencies. You are required to take these inquiries and deleted accounts off my credit is making me not eligible to get a house or a new car.. The following inquiries are.. XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Do to The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and. privacy of information in the files of consumer reporting agencies. You are required to take this derogatory account off my credit because it is enabling to get a house or a new car.. The following inquiries are.. XXXX Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Charge Card XXXX XXXXXXXX Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A