Date Received: 2024-02-02
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: TX
Zip: 79928
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX these companies did unauthorized inquiries without my consent
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53223
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
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: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2024-02-02
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 602 a states " There is a need to insure 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 and 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 XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32750
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: We set up re-occurring auto-pay with our mortgage company, XXXX XXXX XXXX It was working just fine. We even got a notice in XXXX, XXXX that they received payment as they always had before on auto-pay. So, of course, we think there's no problem. Then, what seemed to us to be out of the blue, in the middle of XXXX, we get a bunch of delinquency notices demanding we pay for XXXX and XXXX. What?!? There are so many scams out there, at first I thought this was a scam. After all, we were on auto-pay. I immediately called the company, which was on XX/XX/XXXX to see if it was legitimate and what happened. At first, they gave me an incorrect reason that we had NSF ( non-sufficient funds ). I knew this was false, and I could prove it. At first, the employee maintained their reason, because that was all they knew. They only knew what my account indicated to them. I asked to talk to someone else. The second person gave me a second reason : that my banking routing number had changed or my account had changed. That was the second inaccurate reason. I told them no, nothing has changed and that I could prove it, so we needed to get to the bottom of this!!! They could not help me, as they seemed in the dark. They kept maintaining it was our failure to pay. Finally, after much frustration, I talked to a third person who I think was a manager of some sort. He told me that in XXXX, the company changed their computer banking systems! I'm not sure if it meant they changed banks, computers, or software. But whatever they changed, it caused the XXXX payments to be cancelled and they needed to be reestablished by us doing the work to reestablish the auto-pay. Okay, now I understand. Then, why were we given a false reason for this, and why were we not notified ahead of time that our auto-pay was to be cancelled? He did not really give me a reason, but said we were sent notices. Yes, we were sent notices AFTER we were considered delinquent, not before hand to avoid this problem. He said if we paid for the full 2 months right away, all late fees would be taken off. I paid the total ( minus the late fees ) of {$2500.00} that day. We had two late fees, XXXX for XXXX, and XXXX for XXXX. I have documentation showing when we were on auto-pay, that there was nothing on the document that indicated we were on auto-pay ( Document # 1 ). I also have a document showing they received payment from us on XXXX, XXXX, even thought they did not, so this document is inaccurate ( see Document # XXXX ). I have a copy of one of the delinquency letters they sent from their loss mitigation department. On it I wrote notes from my phone conversation about their bank, not ours, being the one that changed ( see Document # XXXX ). Document # XXXX shows they are labeling this " delinquent, '' with late fees, and I write down our confirmation number showing we paid in full, minus the fees. Document # XXXX shows proof that XXXX XXXX, as a company, gives incorrect reasons for things. They indicate AGAIN we had NSF to pay, for XXXX of XXXX and that is why our auto-pay was cancelled this time. That was false. We cancelled the auto-pay because my husband won't trust a company 's auto-pay when it has caused us such problems and difficulty getting to the real reason, also causing wrong reporting on both of our credit reports. We discovered that one of the huge problems with the company not giving accurate reasons for things, is that when we call to get answers or resolve a problem, we have great difficulty finding employees who can help. Document # XXXX shows XXXX is still carrying over one of our late fees. I called a second time on this. I was VERY upset at this point, and I was not very nice to the lady I spoke to. I apologize. My complaint remains, however. I requested the second late fee to be taken off, the XXXX said she'd have to send it to her manager, and I'd find out on the next statement if it was taken off. I looked, and Document # XXXX shows it is still on our statement and being carried over. This, too, has dinged our credit reporting. Please keep attached documents between this government agency, law enforcement, and the parties involved. This is our SECOND MAJOR problem with this company. Our first one was, a few years ago, when they failed to send the bill to our property insurance company, and then when they did not receive payment, they cancelled this policy and started us on one of their choosing at their price. The MAJOR problem with this was that we had an active non-profit youth and horse ranch on our property, and we had gone to great lengths to secure the right insurance that covered our non-profit and equine related activities. I send documentation and functioned as the go-between, between our correct insurance company and this mortgage company on and off for a few months. I got the run around, and was sent to multiple different employees who did not follow through. One employee was no longer working there. Another one seemed to disappear. A third one mysteriously never received all the documentation I sent each time. After sending documentation over XXXX, and XXXX XXXX still not claiming they received it, I finally went to a lawyer. The lawyer explained that these companies often do this so they can give business to property insurance companies they use, getting commissions from them, and most people don't fight this. For us, this would have spelled disaster for our non-profit. Fortunately, XXXX XXXX finally did the right thing literally the week before, and so the letter from our lawyer was never sent. XXXX XXXX risked our entire summer youth mentorship program over this incident. Though this claim is not about our first fiasco with this company, it is why we can not let this injustice go, and we strongly urge and request XXXX XXXX to completely reconcile our current issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 993XX
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: 2024-02-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I recently reviewed my credit report and noticed two accounts that was not reporting accurately. I had one late payment on two of my accounts that I was in fact paid on time. The consumer reporting agencies have and need to report all information with complete accuracy.these account has not been late on payments.Ive attached a copy of my credit report to this complaint on the following dates XX/XX/2023 and XXXX XXXX now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified. I demand these payments to be updated as paid on time immediately. Thank you for your understanding and prompt action
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33415
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: This credit reporting company is not properly investigating information they are reporting. This is a violation of the FCRA because information can not be reported without evidence once it is questioned. I have challenged this information and have not been provided with evidence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 530XX
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: I reviewed my consumer reports and noticed that I had 1 to 2 late payments on accounts that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for these accounts, so I have included screenshots inside this complaint. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I am demanding these payments be updated to paid as agreed on time, as well as updated in the monthly account history, because I was never late. Thank you! Please see the screenshots attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 335XX
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: I reported identity theft and they wont remove anything from my report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30024
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. 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 has violated my rights. Or list of inquiries 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: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A