Date Received: 2024-02-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Subject : Urgent Complaint : Violation of Credit Reporting and VIP Journey Membership Terms I am writing to express my deep dissatisfaction and frustration regarding the ongoing issues I have encountered with XXXX XXXX XXXX XXXX specifically as a VIP Journey member paying {$99.00} per month. Despite being promised expedited credit reporting to TransUnion, XXXX, and XXXX, it has been nearly 90 days, and my tradeline is still not reporting to XXXX and XXXX. I have reached out to your company via email on multiple occasions, but the matter remains unresolved. Furthermore, the tradeline reported to TransUnion does not accurately reflect the promised {$30000.00} credit limit for VIP Journey members, as stated on XXXX 's website. I deliberately increased my bills to {$30000.00} in anticipation of this reporting. However, the credit limit reported to TransUnion is " No Info, '' which contradicts the commitment made as part of my VIP Journey membership. This discrepancy not only misrepresents my creditworthiness but also violates my consumer rights and the Fair Credit Reporting Act ( FCRA ). I have brought this matter to your attention via email, yet the issue persists, and my attempts to resolve it have been unsuccessful. To exacerbate the situation, I recently filed a dispute with TransUnion regarding the inaccurate credit limit information. Shockingly, TransUnion informed me that XXXX XXXX confirmed the accuracy of the information, which is patently false and adds another layer of concern regarding compliance with the FCRA. This situation is not only frustrating but also damaging to my credit profile, and I believe it is imperative that XXXX XXXX addresses these issues promptly. I am left with no choice but to consider this a serious violation of my rights as a consumer. I request immediate action to rectify the following : Prompt reporting of my tradeline to XXXX and XXXX, as promised. Accurate reporting of the {$30000.00} credit limit to TransUnion. Resolution of the dispute with TransUnion to reflect the accurate information. I trust that XXXX XXXX takes this matter seriously and swiftly rectifies these issues to uphold the standards promised to its valued customers. Failure to do so XXXX compel me to explore further avenues to address these violations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
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: I reviewed my consumer reports and noticed that i had XXXX late payments on an account 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 the accounts that i have included a screenshot inside the complaint in on dates of XX/XX/24. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand I demand these payments be updated to paid as agreed on time as they should be due to the fact that i was never late. Thanks! Please see screenshot attached :
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72120
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. XXXX XXXX XXXX Balance Owed : {$45.00} XXXX XXXX XXXX Balance Owed : {$3.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22306
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: 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 personal 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - 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: IA
Zip: 500XX
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to dispute and request the immediate removal of inaccurately reported late accounts on my credit file. Banks acknowledged the error due to a system glitch, couldn't provide records, and agreed over the phone to remove them. Please update my credit report to reflect a positive status or as closed/never late. XXXXXXXX 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: CA
Zip: 92024
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I trust this letter finds you well. I am writing to express my ongoing concern and frustration with the multiple attempts to remove late closed and charge-off accounts from my credit report, maintained by Credit Bureaus . Despite my persistent efforts to address this issue, these derogatory entries persist, significantly impacting my financial standing and creditworthiness. The late closed and charge-off accounts in question, they have been inaccurately reported as closed late and charged off. I have attached copies of supporting documents, including such as payment records, correspondence with the creditors, and any other relevant documentation, to substantiate my claims and demonstrate the incorrect reporting of these accounts. I have undertaken several steps to rectify this issue : I have submitted disputes through your bureau, providing detailed explanations and supporting documentation to contest the inaccurate reporting of these late closed and charge-off accounts. I have communicated directly with the creditors associated with these accounts, seeking their cooperation in rectifying this matter. Unfortunately, these efforts have not resulted in the removal of these derogatory entries. I have followed the appropriate channels to dispute these inaccuracies numerous times, yet the late closed and charge-off accounts persist on my credit report. The continued presence of these derogatory entries has severe implications for my credit score and financial opportunities. It is imperative that this matter is resolved promptly to ensure the accuracy and fairness of my credit report. I kindly request the following actions to address this issue : Conduct a thorough and comprehensive investigation into the reported late closed and charge-off accounts, verifying their accuracy and timeliness. Collaborate with the relevant creditors to promptly remove these derogatory entries from my credit report, restoring its accuracy and integrity. Provide me with written confirmation of the removal of these late closed and charge-off accounts within the exact timeframe from the date of this letter. Implement enhanced quality control measures to prevent the recurrence of such errors in the future, ensuring the accuracy of credit reporting. Advise me on any additional steps or information required from my end to expedite this process. I understand the critical importance of accurate credit reporting in the financial lives of individuals and trust that your bureau upholds the highest standards of integrity and precision in this regard. I request a response to this letter withinthe exact timeframe from the date of receipt. Failure to address this complaint adequately may compel me to seek legal remedies and escalate this matter to relevant regulatory authorities. I appreciate your immediate attention to this serious matter and your commitment to resolving it to my satisfaction. I am asking for your assistance to remove these accounts in my credit file : 1. XXXX XXXX XXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 2. XXXX XXXX Balance : {$810.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 3. XXXX XXXX XXXX Balance : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63136
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95023
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I trust this letter finds you well. I am writing to express my ongoing concern and frustration with the multiple attempts to remove late closed and charge-off accounts from my credit report, maintained by Credit Bureaus XXXX Despite my persistent efforts to address this issue, these derogatory entries persist, significantly impacting my financial standing and creditworthiness. The late closed and charge-off accounts in question, they have been inaccurately reported as closed late and charged off. I have attached copies of supporting documents, including such as payment records, correspondence with the creditors, and any other relevant documentation, to substantiate my claims and demonstrate the incorrect reporting of these accounts. I have undertaken several steps to rectify this issue : I have submitted disputes through your bureau, providing detailed explanations and supporting documentation to contest the inaccurate reporting of these late closed and charge-off accounts. I have communicated directly with the creditors associated with these accounts, seeking their cooperation in rectifying this matter. Unfortunately, these efforts have not resulted in the removal of these derogatory entries. I have followed the appropriate channels to dispute these inaccuracies numerous times, yet the late closed and charge-off accounts persist on my credit report. The continued presence of these derogatory entries has severe implications for my credit score and financial opportunities. It is imperative that this matter is resolved promptly to ensure the accuracy and fairness of my credit report. I kindly request the following actions to address this issue : Conduct a thorough and comprehensive investigation into the reported late closed and charge-off accounts, verifying their accuracy and timeliness. Collaborate with the relevant creditors to promptly remove these derogatory entries from my credit report, restoring its accuracy and integrity. Provide me with written confirmation of the removal of these late closed and charge-off accounts within the exact timeframe from the date of this letter. Implement enhanced quality control measures to prevent the recurrence of such errors in the future, ensuring the accuracy of credit reporting. Advise me on any additional steps or information required from my end to expedite this process. I understand the critical importance of accurate credit reporting in the financial lives of individuals and trust that your bureau upholds the highest standards of integrity and precision in this regard. I request a response to this letter withinthe exact timeframe from the date of receipt. Failure to address this complaint adequately may compel me to seek legal remedies and escalate this matter to relevant regulatory authorities. I appreciate your immediate attention to this serious matter and your commitment to resolving it to my satisfaction. I am asking for your assistance to remove these accounts in my credit file : 1. XXXX XXXX XXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. XXXX. XXXX XXXX Balance : {$810.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. XXXX. XXXX XXXX XXXX Balance : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63136
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: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft please remove this fraud inquiry from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70809
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A