Date Received: 2024-02-03
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 made over XXXX disputes for over 10 months. XXXX is XXXX on usbank credit card! It continues to say in dispute status and has never been resolved. It once said XXXX balance then they added balance of {$3600.00} back on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 67205
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35022
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act, 15 USC 1681 section 602a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' TransUnion and XXXX 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. '' XXXX XXXX XXXX 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. '' XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies TransUnion 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 TransUnion, XXXX & XXXX XXXX XXXX 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. '' XXXX XXXX XXXX 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 and Experian 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. XXXX XXXX XXXX : collection account - A charge off with a 3rd party debt collector is considered a certificate of indebtedness, which is considered income and income can not be reported on my credit or consumer report. Please have the consumer reporting agencies delete this from my report immediately and indefinitely. https : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXXXXXX XXXX XXXX XXXX, XXXX, TRANSUNION, & XXXX is reporting late payments on account # XXXX. I have tried to settle this matter as of 2 years and XXXX XXXX XXXX XXXX or the CRA 's still has NOT updated the payment history and is in violation of 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, these agencies are in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 usc1681 ] 4. Violation of the Privacy Act of 1974
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29501
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: 2024-02-03
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: The informatio furnished on my credit file has not been verified or approved by me to be placed on their platform, also none of the information has my signature.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 310XX
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: 2024-02-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The following inquires were added to my credit report without my consent, please remove these unauthorized inquires from my credit report. Transunion added an inquiry from XXXX XXXX XXXX ( date XX/XX/23 ) XXXX added a inquiry from XXXX XXXX ( date XX/XX/23 ) XXXX added a inquiry from XXXX XXXX XXXX ( XXXX XX/XX/23 ) XXXX added a inquiry from XXXX XXXX XXXX ( date XX/XX/23 ) XXXX added a inquiry from XXXXXXXX XXXX XXXXXXXX ( date XX/XX/23 ) XXXX added a inquiry from XXXX XXXX ( XXXX XX/XX/23 ) XXXX added a inquiry from XXXX XXXX ( date XX/XX/23 )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40220
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: ATTN : Risk Management Officer This is a DEMAND TO COMPLY LETTER with written instruction as it relates to I the consumer Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). Under the Fair Credit Reporting Act has been established by Congress, your agency role to me the principal, A consumer, in fact, is to adopt reasonable procedures to uphold the need to ensure that your grave responsibilities fairness, impartiality, and respect for my right to privacy must be maintained for maximum possible accuracy. Under 15 U.S. Code 1681e et seq, you may not procure or furnish a consumer report without following 15 U.S. Code 1681b ( a ) ( 2 ) as my written instructions as it relates. There has been a violation of these reasonable procedures because as I showed within my attachments there has been inaccurate and unverifiable information removed from another consumer reporting agency and has not been removed from your system. You should be aware your failure to maintain your reasonable procedures for maximum possible accuracy has resulted in a conspiracy that deprived me of my right pursuant to the Truth In Lending Act subsection 1602 ( f ) to extend new credit for me. This deprivation of my rights is a federal criminal violation under 18 U.S. Code 241. I am well aware of the fact that the reasonable procedures requiring each consumer reporting agency to compile and maintain files on consumers on a nationwide basis shall establish and maintain a notification system jointly with other such consumer reporting agencies pursuant to 15 U.S. Code 1681b ( e ) ( 6 ). Understand this is NOT a dispute letter as there is nothing to dispute. I am DEMANDING you, the agent, follow your fiduciary responsibility to me and REMOVE/DELETE the following information from my consumer file. This has been an egregious failure to follow your very own reasonable procedures required by the Fair Credit Reporting Act. In the zip file attachment included with this letter, you will see my identifying information as well as my consumer report from Transunion, XXXX, and XXXX which shows these inaccurate and unverifiable information. However, these accounts are reported to the reporting agencies. This should not exist. You must have joint systems to notify each other of this incorrect information as consumer reporting agencies to maintain the maximum possible accuracy. This is a violation and failure to maintain your reasonable procedures for maximum possible accuracy and is false and misleading reporting. This information is also incorrect and falsely reports Metro 2 fields that do not match Transunion, XXXX, and XXXX. I demand these accounts be removed from the consumer report by your consumer reporting agency for the federal law violation of failure to maintain your reasonable procedures for maximum possible accuracy and violation for failing to promptly delete the items of information as required for treatment of inaccurate or unverifiable information pursuant to 15 U.S. Code 1681i ( 5 ) ( A ). REMOVE/DELETE the following accounts ; XXXX XXXX XXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX CREDIT BUREAU DISPUTE- Account Number : XXXX XXXX XXXX XXXX- Account Number XXXX XXXX XXXX XXXX XXXX XXXX- Account Number : XXXX XXXX XXXXXXXX XXXX- Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX - Account Number : XXXX REMOVE these accounts UNDER PENALTY OF PERJURY, DELETE these accounts for violation of 15 U.S. Code 1681e, Failure to maintain reasonable procedures, 15 U.S. Code 1681b ( e ) ( 6 ), FDCPA Violation of 15 U.S. Code 1692e False and Misleading reporting, Violation of 15 U.S. Code 1681i ( 5 ) ( A ). Deprivation of Rights 18 U.S. Code 241. I am demanding my remedy for your willful noncompliance with each violation of the law. ? Violation of 15 U.S. Code 1681e- {$1000.00}? Violation of 15 U.S. Code 1681b ( e ) ( 6 ) - {$1000.00}? Violation of 15 U.S. Code 1692e- {$1000.00}? Violation of 15 U.S. Code 1681i ( 5 ) ( A ) - {$1000.00} Total Amount Due : {$4000.00} I am well aware you have no legal standing in court and there are numerous counts of case law which illustrate the consumer reporting agencys failure to maintain reasonable procedures is grounds for a suit and judgment in favor of the plaintiff. I am not afraid to take legal action to cure my injury brought by each company. l am demanding that you remove this transaction from my report immediately as it is a violation of my rights as a federally protected consumer under Title 15 XXXX 41. I understand that you are required to notify me within 30 days and provide me with an updated copy of my credit report. Your willful noncompliance has civil liability under 15 U.S. Code 1681n et seq. CC : Registered Agent CC : CFO/CEO CC : Privacy Compliance Officer CC : CFPB CC : XXXX CC : NYS Attorney General CC : Federal Trade Commission
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
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: 2024-02-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Subject : Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX, XXXX XXXX etc reporting as a collection items. I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection account. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in XXXX to be updated and/or removed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18301
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Transunion, XXXX, and XXXX are reporting an alleged bankruptcy without the permission from the trustee of the estate of XXXX XXXX. Transunion, XXXX, and XXXX are data furnishers that sell information to various companies. This is prohibited by the estate of XXXX XXXX. The name property and any other interest are copyrighted and trademarked. You do not have permission from the estate to report any such information or misuse the estate name in this manor!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92240
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A