Date Received: 2024-02-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX reported fraudulent personal debt amounts to all XXXX credit bureaus. On XX/XX/XXXX XXXX reported my personal debt amount as {$24000.00}. As of XX/XX/XXXX my student loan amount was actually {$17000.00}. Moreover, as of XX/XX/XXXX my student loan amount is actually {$10000.00}. This is a violation of 34 CFR 685.102, 34 CFR 685.200, 34 CFR 685.220, 34 CFR 30.1-30.70, 34 CFR 685.206, 34 CFR 685.222, 34 CFR 668.171- 668.176, 34 CFR 685.204, 34 CFR 685.208, FDCPA 1692-1692p, FDCPA 801 819, and 15 USC 1601. XXXX is legally obligated to report updates, adjustments, and payments to debt amounts on the first of each month. This is also a violation of CA civil code statutes AB 376, AB 1864, SB 908, 1788.101 ( a ), 1788.101 ( b ) ( 1 ) - ( 6 ), 1788.101 ( b ) ( 7 ) - ( 10 ), 1788.102, 1788.102 ( b ), 1788.102 ( c ) - ( d ), 1788.102 ( e ), 1788.102 ( f ), 1788.102 ( g ), 1788.102 ( h ), 1788.102 ( i ) and ( k ), 1788.102 ( j ), 1788.102 ( l ), 1788.102 ( m ), 1788.102 ( n ), 1788.102 ( o ) - ( r ), 1788.102 ( s ), and 1788.102 ( t ). Moreover, while attempting to correct this fraudulent information with XXXX, their representative ( Employee ID XXXX XXXX ) verbally stated they could not assist with this process. The representative stated that an external department would have to address the matter. Allegedly, an expedited email ( XXXX XXXX ) was issued. This is the same lie that was verbally stated to my person in XX/XX/XXXX. Furthermore, this is not a duplicate reporting of fraud. This is an additional unique instance of fraud conducted by XXXX. This company continues to engage in fraud as an attempt to act as a subsidy for the U.S. Treasury department. Finally, I was informed that XXXX is unable to provide an accommodation in compliance with the XXXX ( XXXX ). I was informed that XXXX is unable to provide physical copies of my receipt notarized by the U.S. Postal Service. This is a violation of CA AB 376, Special disclosure requirements for private education loans law 1026.46 ( b ) ( 5 ), and 34 C.F.R. Part 104.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91106
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: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I disputed my XXXX XXXX XXXX balance with TransUnion because they were reporting that I was holding a large balance without paying it. This was not true ; I held a large balance on the card that was promptly paid off due to moving expenses. Disputing this led to TransUnion completely removing XXXX XXXX XXXX from my credit report, resulting in a drop in score of XXXX points, and now I am unable to process my application for a home loan preapproval. XXXX XXXX says Transunion shows NO credit score for me whatsoever. This means I can not apply for a home loan at all as it looks like I have no credit history despite being almost XXXX XXXX XXXX and using my credit cards almost every day. This is not the first time Transunion has given me endless hassles and struggles when it comes to my financial well-being. I have also watched them boost my husband 's credit score past XXXX points despite his history with short sales and mortgage defaults. Yet, I have none of this on my record- I was NOT connected to my husband 's short sales in any way as these transactions happened BEFORE we were married - and I can barely crack XXXX. My husband is XXXX and I am XXXX. I have to wonder if these demographics play a role in how I am treated by Transunion.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80013
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: Personal information incorrect
Consumer Complaint: The credit reporting agencies are reporting inaccurate names and addresses on my file
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33169
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: TX
Zip: 75208
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: I wrote to the 3 credit reporting agencies XXXX, XXXX XXXX Transunion XXXXXXXX explaining the section 15 USC 1681a. Means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. which was not fulfilled on my end, I have multiple inquiries that have not gave consent for, Credit Card Utilization, XXXX car installment loan. XXXX wrote me a response XXXX, TransUnion XXXX, & XXXX all are saying the information is accurate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48141
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am reaching out to challenge the presence of the bankruptcy entry on my credit report. The discrepancies between the filed and reported dates, along with the closing dates, are troubling. Adding to the concern is the fact that I have a court letter explicitly stating that this bankruptcy should not be reported to you. The involvement of an unauthorized third party further compounds the absurdity of this situation.
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: 2024-02-05
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: Subject : Complaint Against XXXXXXXX XXXX for Inaccurate Credit Reporting Dear Sir/Madam , I am writing to file a formal complaint against XXXXXXXX XXXX concerning the inaccurate reporting of my XXXX XXXX XXXXXXXX account information to the XXXX major credit bureaus : TransUnion, XXXX, and XXXX. This complaint is submitted in hopes of resolving an ongoing issue that has negatively impacted my credit report and score. The discrepancy involves the reported first date of delinquency. XXXX XXXX has erroneously reported the first date of delinquency as XX/XX/XXXX. This is incorrect. The actual first date of delinquency occurred in XX/XX/XXXX, when my account was 30 days late. Moreover, my account was closed on XX/XX/XXXX, which further contests the possibility of a first date of delinquency in XX/XX/XXXX. This inaccurate reporting has unjustly affected my credit standing. Despite multiple attempts to rectify this error directly with XXXXXXXX XXXX the issue remains unresolved. The persistence of this inaccurate information on my credit reports is a cause for significant concern and distress. I hereby request the CFPB 's assistance in investigating this matter. I seek a correction of the reported delinquency date to reflect the accurate first date of delinquency in XX/XX/XXXX and the acknowledgment of my account 's closure in XX/XX/XXXX. Thank You
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10457
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 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: TX
Zip: 76123
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: TX
Zip: 75208
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: Was not notified of investigation status or results
Consumer Complaint: Ensuring punctual payments, I have never experienced delays on this account. I'm unsure why there are indications of late payment remarks on my accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77073
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A