Date Received: 2024-02-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 199XX
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This agency violates 15 USC 1681i. Notice of results of reinvestigation ( XXXX ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT or the Accounts. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( XXXX ) OR REMARKS ), ETC :
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30080
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: Confusing or missing disclosures
Subissue:
Consumer Complaint: Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent. Transunion keep furnishing alleged transaction ( s ) on my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that Transunion identified as late / charge off-status.15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. A creditor can not treat a payment as late without complying with this section of the law! I am requesting under rule 1002 the documents that show proof that the information pursuant to section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. Do not reply to me stating that you are furnishing accurate information because we both know you are not. Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ). If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89156
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: Account information incorrect
Consumer Complaint: On XX/XX/year>, XXXX XXXX XXXX XXXX reported that I owe a balance of {$750.00} to XXXX XXXX XXXX. I would like to bring to your attention that this information is incorrect. The balance in question has already been paid off, and I have documentation to support this fact. Enclosed you will find the billing statement from XXXX XXXX Showing a XXXX XXXX. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95618
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: I DON'T RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT 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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02026
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07666
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: Account status incorrect
Consumer Complaint: I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08081
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: This is my notice of liability and intent to sue. Since slavery and involuntary servitude is illegal and unlawful I would have to give you written consent to cause injury to me. This is human trafficking by way of debt slavery! You have imposed a tax on me without my written consent! Article 1 Section 8 clause 1 only CONGRESS can impose a tax! By the business charter of Wisconsin chapter 180 you are not Congress you are a corporate entity! Contract law states there has to be a meeting of the minds, consideration and value given! PROVE written Consent! This is damaging my life and keep me in complete debt bondage. By way of involuntary servitude! I have not given this company written consent! Remove this account immediately! You have 15 days and this is a good faith attempt rectify this unlawful act. I am a private citizen! Remove XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX! -Debt bondage is focused on human trafficking crimes in which the traffickers primary means of coercion is debt manipulation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53218
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Im filling this complaint in regards to my consumer rights being violated by each bureau Dear XXXX In order to formally alert you to certain errors I found in my credit report, I am writing to you. After carefully reviewing the report that I received from your organization, I have discovered a number of inaccurate accounts that require quick review and correction. It is necessary to rectify the following false accounts in particular : Accounts : CAF : 4626, The account is inaccurate and not consistent with the other accounts from the other bureaus. Please investigate and delete the item. XXXX XXXX : XXXX, This account date is inaccurate is not matching the data with the other bureaus. Please remove this from my report. XXXX : XXXX, This inaccurate account has Data that is not consistent with the other two credit bureaus. Looking for a deletion correction. XXXX : XXXX, It appears that the account has different information from the other two bureaus which is inaccurate? Who has the correct information? Delete the issue presented. XXXX ( Original Creditor : EMERGENCY RESOURCES GROUP ) : XXXX, The law says the account listed here is supposed to be reported 100 % accurate. Why is it different on each credit bureau? Need you to investigate and delete. Knowing the Fair Credit Reporting Act ( FCRA ) inside and out, I am a consumer using my rights under Sections 609 and 611 to dispute these inconsistencies and ask that they be fixed. I'm very worried and distressed about the discrepancies that I found because they could negatively impact my credit. It is concerning and unsettling that there could be a detrimental effect on my well-established reputation for upholding perfect financial standing. My urgency in this matter is increased by the realization that these mistakes may affect how prospective creditors view me. Because of this, the challenges I may encounter when applying for credit emphasize how critical it is that you take prompt action to correct the errors on my credit report. According to FCRA Sections 609 and 611, I respectfully ask for your prompt response. My deepest wish is that this matter will be settled quickly, removing the unnecessary mistakes that have surfaced on my credit report. Finally, I would like to express my gratitude for your quick response to this important issue and my hope that it will be resolved soon. Please do not hesitate to contact me if you need any additional information or clarification. I appreciate your time and anticipated cooperation in advance. With deference. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Dear XXXX I'm writing to formally draw your attention to some errors I found in my credit report. After carefully going over the report I received from your organization, I have found a number of inaccurate accounts that need to be reviewed and corrected right away. It is necessary to rectify the following false accounts in particular : Accounts : CAF : 4626, The account is inaccurate and not consistent with the other accounts from the other bureaus. Please investigate and delete the item. XXXX XXXX : XXXX, This account date is inaccurate is not matching the data with the other bureaus. Please remove this from my report. XXXX : XXXX, Account in question is inaccurate and it has different information than the other credit bureaus. Fix or delete my issue account. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Im disputing this account, because the information on the report is wrong because the other two bureaus are showing something different. Delete the inaccurate item. XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, The account data is confusing because the data is inconsistent with the data from the other bureaus. I need this deleted ASAP. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX : XXXX, The law says the account listed here is supposed to be reported 100 % accurate. Why is it different on each credit bureau? Need you to investigate and delete. XXXX : XXXX, Im disputing this account because I need you to comply with the law and make sure its reporting 100 % accurate as of now, it appears to be different on the other bureaus. I need a resolution and a deletion. I'm using my rights under Sections 609 and 611 as a consumer who is aware of the Fair Credit Reporting Act ( FCRA ) to dispute these inconsistencies and ask that they be fixed. These disparities could negatively impact my credit score, which is why I'm very concerned and distressed about finding them. It is concerning and unsettling to consider the possible harm to my well-established reputation for upholding a spotless financial situation. My urgency in this matter is increased by the knowledge that these mistakes may affect how prospective creditors view me. Because of this, the challenges I may encounter when applying for credit emphasize how critical it is that you take prompt action to correct the errors on my credit report. In compliance with FCRA Sections 609 and 611, I respectfully ask for your prompt response. I sincerely hope that this matter can be settled quickly in order to get rid of the unnecessary mistakes that have been reported on my credit report. Dear TransUnion I'm writing to formally alert you to some errors I found in my credit report. After carefully reviewing the report that I received from your organization, I have discovered a number of inaccurate accounts that require quick review and correction. It is specifically necessary to address the incorrect accounts listed below : Accounts : XXXX : XXXX, The account is inaccurate and not consistent with the other accounts from the other bureaus. Please investigate and delete the item. XXXX XXXX : XXXX, This account date is inaccurate is not matching the data with the other bureaus. Please remove this from my report. XXXX : XXXX, Account in question is inaccurate and it has different information than the other credit bureaus. Fix or delete my issue account. XXXX XXXX XXXX : XXXX, It appears that the data in this account is not reporting correctly because it shows different on the other two credit bureaus. Resolve it or delete this item. XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) : XXXX, The account data is confusing because the data is inconsistent with the data from the other bureaus. I need this deleted ASAP. XXXX ( Original Creditor : XXXX XXXX XXXX ) : XXXX, The law says the account listed here is supposed to be reported 100 % accurate. Why is it different on each credit bureau? Need you to investigate and delete. XXXX : XXXX, Im disputing this account because I need you to comply with the law and make sure its reporting 100 % accurate as of now, it appears to be different on the other bureaus. I need a resolution and a deletion. Knowing the Fair Credit Reporting Act ( FCRA ) inside and out, I am a consumer using my rights under Sections 609 and 611 to dispute these inconsistencies and ask that they be fixed. These disparities could negatively impact my credit score, which is why I'm very concerned and distressed about finding them. It is concerning and unsettling to consider the possible harm to my well-established reputation for upholding a spotless financial situation. I'm even more urgent about this because I know that these mistakes could affect how prospective creditors view me. Because of this, it may be harder for me to get credit, which emphasizes how urgent it is that you correct the errors on my credit report. In compliance with FCRA Sections 609 and 611, I respectfully ask for your prompt response. I sincerely hope that this matter can be settled quickly in order to get rid of the unnecessary mistakes that have been reported on my credit report. Finally, I would like to express my gratitude for your prompt attention to this important issue and my expectation that it will be resolved quickly. Please don't hesitate to get in touch with me if you need any more details or explanation. I appreciate your time and anticipated assistance in advance. With deference.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 322XX
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This agency violates 15 USC 1681i. Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( XXXX ) OR REMARKS ), ETC
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A