Date Received: 2024-02-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Once I was made aware of the identity theft I tried to log in to my TransUnion account. It kept saying it was sending me an email to verify. However, I never received an email. The online chat people refused to fix it. I have called many times just to be placed on hold and hung up on before I could even talk to anyone! I know through my XXXX law account that many things are not correct on my report and more things are being added daily. They refuse to help me get into my account so I can dispute these items and see what else is on it. Let alone to put a freeze on my credit. No matter how many times in the last few weeks I have tried to get into my account and get my credit report I am unable to and they just flat-out refuse to do their job. I have informed them that I have Identity theft issues and they still refuse to help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47803
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-04
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 havent been using my XXXX credit card for a long time and out of the blue, I was notified that a transaction of {$16.00} was made under my account from XXXX XXXX on XX/XX/XXXX. I called XXXX, the credit company for XXXX to reverse the charge as it was fraudulent as I havent used my card for a long time and dont have the physical card with me anymore and the support agent told me that they will reverse the charges. On XX/XX/XXXX, I was charged again by the same vendor XXXX XXXX for the same amount {$16.00}. I also found out that they have charged late fees on the XX/XX/XXXX transaction of {$16.00}. Turns out, they never reversed it. I called their support and asked them to reverse these charges as these were not made by me and I also asked them to close my account to prevent these from happening again. On XX/XX/XXXX- they charged me for late fees of {$29.00} plus {$2.00} minimum charge fee. They never reversed anything in my account when I have repeatedly asked for them to reverse any charges that were made in my account. I asked the support agent to reverse these and I was promised that they will fixed it. The same thing happened in XXXX XXXX- they also charged me {$29.00} late fee plus {$2.00} minimum charge. But didnt found out until XX/XX/XXXX where I was notified through my transunion account that my XXXX XXXXXXXX Credit Card has been flagged delinquent for 90 days and that my credit score has decreased from XXXX to XXXX which has been really frustrating because I have called multiple times, asking them to reverse the charges from my account. I have been communicating to them from the beginning and then they flagged my account as delinquent which made me question their process. Are they not flagging accounts with reported fraudulent transactions in them? It must be straightforward that because I flagged those transactions as fraud then Im not liable for those therefore my account shouldnt be flagged as delinquent. I spoke to an agent around XXXX XXXX XXXX and she finally reversed fees. The only problem I have now is my credit score. And so I also asked her if she could submit a report to credit bureau stating that what happened to my account stemmed from a fraudulent transaction and that my credit score should not be impacted and it needs to be adjusted back to score XXXX. Around XX/XX/XXXX I received a letter from TransUnion stating that my account with XXXX is accurate and that they are not adjusting back my credit score. This is not fair my part. XXXX agents have acknowledged that they made an error but their investigation says otherwise and that report information is whats feeding into the credit bureau. I am not sure how are they reporting my case to their investigation team. Are they leaving notes of the issue? I feel like there is a disconnect between the agents and their investigation team. I personally think XXXX XXXX XXXX is not taking my case seriously and their investigation team is not looking into my account thoroughly. I reached out to them on XXXX XXXX and their agent have acknowledged my issue and that he submitted a report to fix my credit score but I received a letter from XXXX saying that based on their investigation my account is accurate and so they are not doing anything to fix my credit score. I am not sure which part of my account that is accurate they are looking into. At this point I am so tired with all these back and forth and want to get ahold of their upper management to fix this. I worked hard all my life and been responsible to my finances. I am on time with my payments. I never had late payments and this incident and experience I had with XXXX XXXX has been so frustrating. Its not fair that I am being affected when its their fault of not updating my account on a timely manner as requested. Its so hard to get ahold of someone in XXXX XXXX Credit Card who can expedite the request for me. Their support chat is not working. I had to call multiple times and get passed on to different departments. They have neglected my request to reverse my charges on time. They kept saying that they have reversed it and that I will need to wait on the next cycle to reflect in my statement when in fact the next time I check, they never truly reversed or fixed anything. I am writing this to report them and get help to have this expedited. I dont want this to happen to anyone, I know there people that are working so hard to pay their bills on time. I believe I have the right to dispute any errors on my account and I will advocate for this until its fixed by XXXX XXXX Credit Card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94538
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23323
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Please see the attached XXXX data breach claim and FTC report and remove the following unauthorized accounts and inquiries. Account : XXXX XXXX. Transunion please be aware that you are the only credit reporting agency reporting this unauthorized account. Please remove the following unauthorized inquiries : 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: 78154
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The following trade lines reflect transaction history which is illegal, per 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$760.00} 15 USC 1681 states that Congress made findings that credit reporting agencies : exercise their grave responsibilities with fairness, impartiality and a respect for the consumers rights to privacy. 15 USC 1681n discusses willful non compliance and liability.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33598
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The information that was forwarded to the company by your firm the company sent me a letter back stating they couldn't understand what I meant. The information was : 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 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 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. Also the information on the accounts where I worked is irronious USPS Letter XXXX XX/XX/XXXX, USPS Clerk XXXX XXXX, US Postal 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: DE
Zip: 19713
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I recently viewed my credit report and noticed that it was an account that's closed on my report please remove it immediately because it stopping me from buying a home for me and XXXX XXXX XXXX the acct was open XX/XX/scrub>XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19151
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The first credit report that I sent to the XXXX XXXXXXXX XXXX they could not understand it and asked me to rewrite the report and pay for a copy of my credit report to be sent to me.It 's a shame that one has to go through this mess to get ones credit report corrected rhey act like they don't want to do their job. The companies that I listed were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If they can't verify them than remove them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19713
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Have submitted several disputes via Trans Service Center online and have remained unsuccessful. Ive now had the original creditors state that theyve requested TransUnion remove derogatory information and inaccurate reporting from file and still unsuccessful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76502
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-04
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 have attempted to dispute the XXXX XXXX account several times with XXXX, TransUnion and XXXXXXXX XXXX as Not opened by me and Not belonging to me. I requested the Origional Signed Contract from XXXXXXXX XXXX and they have refused to provide it. I have requested that XXXX and Transunion Delete this account because XXXXXXXX XXXX has refused to validate this account by sending me the Origional contract. XXXX and Transunion refuse to delete this account and continue violating federal law by reporting un -validated account information. The dates of dispute are as follows. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion-XXXX XXXX XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27707
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A