Date Received: 2024-02-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is my request again that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: TX
Zip: 770XX
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: Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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: FL
Zip: 33016
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33016
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Transunion Fraud Center XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH , XXXX XXXX, XXXX, XXXX, am acting on my own as a natural person and consumer. There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Please delete these items listed below IMMEDIATELY! ADDRESS XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX ACCOUNTS/INQUIRES/ COLLECTIONS : 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 These identified accounts should not be furnished on my consumer report as they are in VIOLATION!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN XXXX end the XXXX XXXX and XXXX XXXX : ( XXXX XXXX to aTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX XXXX. UCC 1-308
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44106
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: There is information that on my consumer report that is a result of identity theft. I did not provide written permission of instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under 15 U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B. The identified transactions are not information related to any transaction by me as the consumer ( see attached )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 705XX
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: Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85301
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 recently reached out to Transunion about the fraudulent inquiries on my consumer report. This has maintained for quite some time. I havent had the ability to be able to freeze my consumer report because someone has fraudulently hijacked my identity and is used it. I spoke with representatives there inside of the Transunion Fraud department about this XX/XX/XXXX since then there has been multiple inquiries that have continued to report on my consumer reports, I have sent them XXXX complaints FTC complaints. I have sent them state of California complaints from the state, Attorney General and the California privacy act. Their investigations rendered nothing and these inquiries continue to stay on consumer report. XXXX XXXX XXXX : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX ( A ) ( XXXX ) ( A ) ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( XXXX ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. " So I then asked them to provide me a description of the investigation according to 15 USC 16811 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. I allege that TRANSUNION are in blatant violation of the following U.S. codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt. 15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports.15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports. 15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes. H.R. 3046 Social Security Number Privacy and Identity Theft Prevention Act of XXXX : Unauthorized use or disclosure of my Social Security numbers. Section 326 of the USA PATRIOT Act : Failure to verify my identification by financial institutions. Gramm-Leach-Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information. Gramm-Leach-Bliley Act, Section 502 : Unauthorized sharing of my non-public personal information with non-affiliated third parties. Gramm-Leach- Bliley Act, Section 504 : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Automotive 15USC 1681ad ) ( 2 ( A/i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet transunion is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. TITLE 1.81.5. California Consumer Privacy Act of 2018 [ 1798.100 - 1798.199.100 ] ( Title 1.81.5 added by Stats. XXXX, Ch. 55, Sec. 3. ) -1798.106. Consumers Right to Correct Inaccurate Personal Information ( a ) A consumer shall have the right to request a business that maintains inaccurate personal information about the consumer to correct that inaccurate personal information, taking into account the nature of the personal information and the purposes of the processing of the personal information. ( b ) A business that collects personal information about consumers shall disclose, pursuant to Section 1798.130, the consumers right to request correction of inaccurate personal information. ( c ) A business that receives a verifiable consumer request to correct inaccurate personal information shall use commercially reasonable efforts to correct the inaccurate personal information as directed by the consumer, pursuant to Section 1798.130 and regulations adopted pursuant to paragraph ( 8 ) of subdivision ( a ) of Section 1798.185. ( Added XX/XX/XXXX, by initiative Proposition 24, Sec. 6. Effective XX/XX/XXXX. XXXX XX/XX/XXXX, pursuant to Sec. 31 of Proposition 24. ) 1798.120. Consumers Right to Opt Out of Sale or Sharing of Personal Information ( a ) A consumer shall have the right, at any time, to direct a business that sells or shares personal information about the consumer to third parties not to sell or share the consumers personal information. This right may be referred to as the right to opt-out of sale or sharing. ( b ) A business that sells consumers personal information to, or shares it with, third parties shall provide notice to consumers, pursuant to subdivision ( a ) of Section 1798.135, that this information may be sold or shared and that consumers have the right to opt-out of the sale or sharing of their personal information** 1 See, e.g., 12 U.S.C. 5481 ( 12 ) ( F ), 5512 ( b ), 5514 ( c ), 5515 ( c ), and also Sub title E ( 12 U.S.C.5561 5567 ) ; 15 U.S.C. 1681s ( b ) ( 1 ) ( H ), ( e ). Authority over 15 U.S.C. 1681m ( e ) and 1681w are limited to the Federal banking agencies, the XXXX, the FTC, the CFTC, and SEC. 1. 15 U.S.C. 1681s. States can directly bring actions under FCRA. See 12 U.S.C. 1681s ( c ) .States can al so bring actions under the Consumer Financial Protection Act ( CFPA ) against covered persons and service providers based upon violations of federal consumer financial laws, including the FCRA . See Authority of States to Enforce the Consumer Financial Protection Act of XXXX, 87 FR 31940 ( XX/XX/XXXX ). 2. 15 U.S.C. 1681n, 1681o. 3. See, e.g., Consumer Financial Protection Bureau, Supervisory Highlights ( Spring XXXX ), at XXXX XXXX XXXX XXXX XXXX. XXXX. See, e.g., Complaint at XXXX, CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX ). 5. With respect to furnisher direct disputes, see 74 FR 31,484, 31,500 ( XX/XX/XXXX ) ( Some industry commenters also suggested that the Agencies issue a model direct dispute complaint form, with some advocating that consumers be required to use the model complaint form. The Agencies decline to adopt these suggestions because such requirements would cause otherwise valid disputes to b e rejected as frivolous or irrelevant due solely to the consumer 's failure to meet a technical requirement that probably would be unknown to the consumer. ) 6. 15 U.S.C. 1681i ( a ) ( 3 ) ( A ) ( identifying which disputes the consumer reporting agency can determine to be frivolous or irrelevant ) ; 12 CFR 1022.43 ( f ) ( 1 ) ( identifying which disputes the furnisher can determine to be frivolous or irrelevant ). 7. 15 U.S.C. 1681i ( a ) ( 3 ) ( Consumer reporting agency frivolous or irrelevant determination ) ; 12 CFR 1022.43 ( f ) ( furnisher direct dispute frivolous or irrelevant determination ). 8. 15 U.S.C. 1681s-2 ( b ). See Brief for Consumer Financial Protection Bureau and Federal Trade Commission as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ). XXXX. XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ). XXXX. Consumer Financial Protection Bureau, XXXX XXXX ( XXXX XXXX, XXXX ), at XXXX, XXXX XXXX XXXXXXXX ( alerting furnishers to the fact that consumer reporting agencies have begun forwarding images of relevant documentation to furnishers as part of the reasonable investigation of disputes ). 11. For example, a copy of a bill supporting the consumers dispute conveys information regarding the persuasiveness of a consumers dispute that data about the bill would not. XXXX2. Federal Trade Commission, 40 Years of Experience with the Fair Credit Reporting Act : An FTC Staff Report with Summary of Interpretations ( XXXX. XXXX ), at XXXX, https : XXXXXXXX XXXX XXXXXXXX ( XXXX does not comply with this provision if it merely indicates the nature of the dispute, without communicating to the furnisher the specific relevant information received from the consumer. For example, if the consumer claimed never late and submitted documentation ( such as cancelled checks ) to support his/her dispute, a CRA does not comply with the requirement that is provide all relevant information if it simply notifies the furnisher that the consumer disputes the payment history without communicating the evidence received. ). 13. 2115 U.S.C. 1681s-2 ( b ) ( 1 ) ( B )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77493
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: Transunion : In accordance with the Fair Credit Reporting act Convergent Account ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX, GA PLEASE REMOVE THIS IS NOT MY ADDRESS PUBLIC RECORD : REF XXXX XXXXXXXX PLEASE REMOVE THIS ACCOUNT IT IS NOT ASSOCIATED WITH MY LEGAL NAME. IVE REQUESTED FOR VERIFICATION PROVING THAT I WAS A VICTIM OF IDENTITY THEFT AND NO VERIFICATION UNDER THE FCRA HAS BEEN SUBMITTED BACK WITHIN 15 DAYS THAT THIS ACCOUNT BELONGS. TO ME UNDER MY LEGAL NAME PLEASE REMOVE UNKNOWN ACCOUNTS REPORTED OR COLLECTION : XXXX XXXX XXXX XXXX this creditor has this Account under two different names due to my identity being stolen inaccuracy reporting is against my rights. This is not my account PLEASE REMOVEXXXX XXXX XXXX XXXX XXXX XXXX was listed ILLEGALLY I am dumbfounded to know nor have any acknowledgement of this account, I have requested several times and under my rights company has refused in the 15 day time frame to verify Please REMOVEXXXX XXXX XXXX both accounts were under no rights to use my information under the FCRA AGAINST MY WILL or approval, I have no acknowledgement under identity theft rights to use my information without verifying proof of my identity to this company or being used PLEASE REMOVE both accounts from my credit* XXXXXXXX XXXX XXXX XXXX XXXX XXXX this account is not mine this account belongs to someone with or a similar name I never approved for this creditor to use my personal information for any credit reporting or usage HARD INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- PLEASE REMOVE REPORTING INACCURATE INQUIRES UNDER FCRA IS ILLEGAL AND AGAINST MY RIGHT LISTED ABOVE I DID NOT GIVE ANY OF THESE CREDITORS PERMISSION TO RUN MY CREDIT OR PROVIDE MY PERSONAL INFORMATION TO BE REPORTED TO A THIRD PARTY OR ANYONE WITHOUT MY PERMISSION AND LEGAL RIGHTS PLEASE REMOVE HARD INQUIRIES. I HAVE LETTERS THAT IVE CALLED EACH CREDITOR THAT IS LISTED N THIS COMPLAINT EXPLAINING SITUATION AND PLACED ON A HARDSHIP, INACCURATELY REPORTED ACCOUNTS AND IDENTITY THEFT LISTED FOR OVER 5 YEARS NO ACCOUNTS WITHIN THIS TIME FRAME SHOULD BE APPROVED WITHOUT MY ACKNOWLEDGMENT AND WITHOUT MY RIGHTS LISTED UNDER THE FCRA ALSO NO CREDITOR SHOULD REPORT THAT I WAS LATE WHEN I WAS UNDER A HARDSHIP, AND NOT WORKING AND IDENITY WAS STOLEN!! 15 U.S.C 1681 section 602A. 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 an account without my written instructions. Thank you for your urgent review regarding my concerns! Please take this complaint seriously which has been effecting all my rights and my lively hood as a mother and a veterans spouse. Thank you XXXX XXXX : In accordance with the Fair Credit Reporting act Convergent Account ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA PLEASE REMOVE THIS IS NOT MY ADDRESS I NEVER LIVED HERE I reported this address as a mistake and illegal reporting under my rights to the bureau account is still listed illegally PLEASE REMOVE UNKNOWN ACCOUNTS REPORTED OR COLLECTION : XXXXXXXX XXXX XXXX XXXXXXXX this creditor has this Account under two different names due to my identity being stolen inaccuracy reporting is against my rights. This is not my account PLEASE REMOVEXXXX XXXX XXXX XXXX XXXX XXXX was listed ILLEGALLY I am dumbfounded to know nor have any acknowledgement of this account, I have requested several times and under my rights company has refused in the 15 day time frame to verify Please REMOVE*XXXX XXXX XXXXXXXX account were under no rights to use my information under the FCRA AGAINST MY WILL or approval, I have no acknowledgement under identity theft rights to use my information without verifying proof of my identity to this company or being used PLEASE REMOVE account from my credit* XXXX XXXX XXXX XXXX XXXX XXXX this account is not mine this account belongs to someone with or a similar name I never approved for this creditor to use my personal information for any credit reporting or usageXXXX XXXX XXXX XXXX ( THERE ARE 7 ACCOUNTS LISTED PLEASE REMOVE ALL 7 ACCOUNTS ) THIS COMPANY HAS BEEN SENT LETTERS REQUESTING PROOF OF VERIFICATION THAT I HAVE PROVIDED THEM PROOF THIS ACCOUNT IS NOT MINE NOR DO I HAVE ANY ACKNOWLEDGMENT THIS ACCOUNT BELONGS TO ME -THE OTHER XXXX REMOVED THIS ACCOUNT XXXX HAS NOT WHICH IS MY RIGHTS TO CONTEST THIS INFORMATION-UNDER FCRA AND MY IDENTITY THEFT RIGHTS AUTHORIZATION TO USE MY CREDIT AGAINST ME AND ILLEGALLY TO A THIRD PARTY WITHOUT MY PERMISSION THIS COMPANY HAS FAILED TO PROVIDING THIS INFORMATION WITHIN THE 15 DAY LEGAL VERIFICATION DAYS GIVEN TO ANY CREDITORS still until this day nothing, this company has broken all possible league rights sharing and providing my formation to third parties that I did not agree nor confirm for them to give my information too share. PLEASE REMOVE IMMEDIATELY. I HAVE LETTERS THAT IVE CALLED EACH CREDITOR THAT IS LISTED N THIS COMPLAINT EXPLAINING SITUATION AND PLACED ON A HARDSHIP, INACCURATELY REPORTED ACCOUNTS AND IDENTITY THEFT LISTED FOR OVER 5 YEARS NO ACCOUNTS WITHIN THIS TIME FRAME SHOULD BE APPROVED WITHOUT MY ACKNOWLEDGMENT AND WITHOUT MY RIGHTS LISTED UNDER THE FCRA ALSO NO CREDITOR SHOULD REPORT THAT I WAS LATE WHEN I WAS UNDER A HARDSHIP, AND NOT WORKING AND IDENITY WAS STOLEN! 15 U.S.C 1681 section 602A. 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 an account without my written instructions. Thank you for your urgent review regarding my concerns! Please take this complaint seriously which has been effecting all my rights and my lively hood as a mother and a veterans spouse. XXXX : In accordance with the Fair Credit Reporting act Convergent Account ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA PLEASE REMOVE THIS IS NOT MY XXXX XXXX XXXX XXXX XXXX GA PLEASE. REMOVE I NEVER LIVED AT. THIS ADDRESS PUBLIC RECORD : XXXX XXXX XXXXXXXX PLEASE REMOVE THIS ACCOUNT IT IS NOT ASSOCIATED WITH MY LEGAL NAME. IVE REQUESTED FOR VERIFICATION PROVING THAT I WAS A VICTIM OF IDENTITY THEFT AND NO VERIFICATION UNDER THE FCRA HAS BEEN SUBMITTED WITHIN 15 DAYS PLEASE REMOVE UNKNOWN ACCOUNTS REPORTED OR COLLECTION : XXXX XXXX XXXX both accounts were under no rights to use my information under the FCRA AGAINST MY WILL or approval, I have no acknowledgement under identity theft rights to use my information without verifying proof of my identity to this company or being used PLEASE REMOVE both accounts from my credit* XXXX XXXX XXXX XXXX XXXX XXXX this account is not mine this account belongs to someone with or a similar name I never approved for this creditor to use my personal information for any credit reporting or usage I MUST BE TOLD WHEN INFORMATION IS BEING USED AGAINST ME HARD INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE REPORTING INACCURATE INQUIRES UNDER FCRA IS ILLEGAL AND AGAINST MY RIGHT LISTED ABOVE I DID NOT GIVE ANY OF THESE CREDITORS PERMISSION TO RUN MY CREDIT OR PROVIDE MY PERSONAL INFORMATION TO BE REPORTED TO A THIRD PARTY OR ANYONE WITHOUT MY PERMISSION AND LEGAL RIGHTS PLEASE REMOVE HARD INQUIRIES. I HAVE LETTERS THAT IVE CALLED EACH CREDITOR THAT IS LISTED N THIS COMPLAINT EXPLAINING SITUATION AND PLACED ON A HARDSHIP, INACCURATELY REPORTED ACCOUNTS AND IDENTITY THEFT LISTED FOR OVER 5 YEARS NO ACCOUNTS WITHIN THIS TIME FRAME SHOULD BE APPROVED WITHOUT MY ACKNOWLEDGMENT AND WITHOUT MY RIGHTS LISTED UNDER THE FCRA ALSO NO CREDITOR SHOULD REPORT THAT I WAS LATE WHEN I WAS UNDER A HARDSHIP, AND NOT WORKING AND IDENITY WAS STOLEN!! 15 U.S.C 1681 section 602A. 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 an account without my written instructions. Thank you for your urgent review regarding my concerns! Please take this complaint seriously which has been effecting all my rights and my lively hood as a mother and a veterans spouse. Thank you XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to file a formal complaint regarding instances of identity theft that have adversely affected my credit report. The personal information listed below pertains to accounts that I did not open, they are the result of identity theft. account listed are identity theft accounts Account Information : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Identity theft account. I did not open this account and did not give consent for its creation. Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Identity theft account. My identity was used without my consent to open this account. Account Information : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Identity theft account. My identity was used without my consent to open this account. Account Information : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Identity theft account. My identity was used without my consent to open this account. Account Information : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Identity theft account. My identity was used without my consent to open this account. I request your prompt assistance in investigating these matters and taking appropriate actions to rectify the inaccuracies on my credit report resulting from these fraudulent accounts. Additionally, I would appreciate guidance on any steps I should take to further protect my identity and prevent any future unauthorized activities
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11213
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: Incorrect information on my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60625
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A