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: When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$270.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11434
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 am writing to express my profound dissatisfaction and frustration regarding the many unsuccessful attempts to correct the late opening of my account and remove the late closed status from my financial records. Despite multiple requests for resolution, the issue persists, causing significant inconvenience and impacting my financial standing adversely. I initiated the process to open an account with your institution. Unfortunately, due to unforeseen circumstances, the account opening was delayed, leading to the imposition of a late open status. Subsequently, I have made several attempts to rectify this situation by reaching out to your customer service department, submitting formal requests, and adhering to the prescribed procedures for addressing such issues. Regrettably, each attempt to correct the late opening of my account and remove the late closed status has been met with inefficiencies, delays, and a lack of tangible progress. This has not only caused considerable inconvenience but has also raised serious concerns about the effectiveness of your institution 's handling of customer concerns. I wish to highlight the following issues : There has been a significant lapse in communication regarding the status of my account opening and the removal of the late closed status. Timely updates are crucial for maintaining customer confidence and ensuring transparency. I have received conflicting information from different representatives, leading to confusion and frustration. Consistency in communication is imperative for a smooth resolution process. Despite assurances of follow-up, there has been a lack of proactive communication and action to ensure the prompt resolution of my concerns. I understand that administrative errors can occur, but the repeated nature of these oversights and the lack of satisfactory resolution are disconcerting. As a customer, I expect a higher standard of service, transparency, and a commitment to resolving issues promptly. I am formally requesting an immediate and thorough investigation into the reasons for the delays and inconsistencies in correcting the late opening of my account and removing the late closed status. Furthermore, I expect a clear and detailed plan outlining the steps your institution will take to rectify this situation promptly and prevent similar occurrences in the future. If my concerns are not addressed satisfactorily, I may have no choice but to explore alternative avenues, including reporting this matter to relevant regulatory bodies and consumer protection agencies. I am asking for your assistance to correct these late open accounts and remove the late closed in my credit file : XXXX. XXXX XXXX Balance : {$0.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. XXXX. XXXX XXXX Balance : {$0.00} - I am not late on this account. My record shows that this account was Paid as Agreed and Past Due is XXXX. Please adjust immediately. XXXX. XXXX XXXX XXXX Balance Owed : {$270.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. XXXX. DP OF EDUC XXXX Balance : {$6800.00} - Immediate correction of this account is necessary. I need this correct now. XXXX. DP OF EDUC XXXX Balance : {$4000.00} - Please adjust immediately. You are reporting different information from other bureaus. XXXX. US DEPT ED XXXX Balance : {$3300.00} - Get it right immediately ; otherwise, update the account from my report. XXXX. US DEPT ED XXXX Balance : {$1500.00} - Please verify all info is true, accurate, and correct. Never Paid Late. XXXX. US DEPT ED XXXX Balance : {$6800.00} - Never late on this account. I never missed a payment. XXXX. US DEPT ED XXXX Balance : {$6900.00} - Never late on this account. My record shows that this account was paid. Please correct immediately. XXXX. US DEPT ED XXXX Balance : {$8400.00} - This is a massive error. Investigate all records closely and correct this account. XXXX. US DEPT ED XXXX Balance : {$8200.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. XXXX. US DEPT ED XXXX Balance : {$1600.00} - Please check the status of this account. Please correct it immediately. XXXX. US DEPT ED XXXX Balance : {$9500.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. XXXX. US DEPT ED XXXX Balance : {$5600.00} - Please take off the late things from this account because I think I made my payment on time. XXXX. US DEPT ED XXXX Balance : {$10000.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. XXXX. US DEPT ED XXXX Balance : {$7200.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. XXXX. DP OF EDUC XXXX Balance : {$7300.00} - The payment history and the status of this account is inaccurate. This account should not be late pursuant to CARES Act. Thoroughly investigate and correct with lawful accuracy. XXXX. XXXX XXXX Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. XXXX. XXXX XXXX XXXX Balance : {$410.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30318
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: My name XXXX XXXX XXXX. I became a victim of identity theft a long time ago. After that incident I noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following accounts from my credit report immediately. Besides these items, I also want to delete incorrect addresses that I do not live in and I do not go by. They are all a result of ID theft. Please remove these items which are not authorized by me as soon as possible. Please see attached identity theft report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29456
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 violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 i told XXXX, transunion, and XXXX to reinvestigate these accounts Account Name : ( XXXX XXXX ) Account Number : XXXX report inaccurate Account Name : XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : ( XXXX XXXX Account Number : XXXX However, they stated everything was completed and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to the 15 USC 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly. 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: MI
Zip: 49464
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: By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXXXXXX : {$10000.00} XXXX XXXXXXXX XXXX : {$83.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43232
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've observed several deviations from mandatory reporting standards, which raises concerns about the accuracy and completeness of the data in my report. Despite this, I refute your allegations and challenge you to substantiate your right to report incomplete negative information on my credit report. In accordance with 15 U.S.C 1681e, consumer reporting agencies must employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts that is both integral and accurate. It also requires conducting reasonable investigations into consumer disputes. As per the Consumer Reporting Resource Guide ( CRRG ), adherence to XXXX XXXX compliance standards is essential for lawful reporting, and any deviation from these standards jeopardizes the integrity of the data. I am asserting my rights to challenge these inaccuracies and non-compliance issues. Disregarding my request would indicate a lack of concern for my consumer rights. It is unjust to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I am contesting these claims and requesting evidence of proper reporting standards. Your actions are violating my rights, as outlined in this document. The incomplete and non-compliant nature of your reporting fails to meet the legal standards. You must certify all aspects of required FCRA/XXXX XXXX compliance truthfully, correctly, promptly, completely, and accurately. Failure to do so will compel me to escalate these issues to the CFPB, FTC, and my Attorney General. XXXXXXXX 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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10458
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 was reviewing my credit report and I have been a victim of fraud. I need the mentioned hard inquiries removed from my credit report. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX They do not belong to me, I will never authorize them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 328XX
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: 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. Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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: 2024-02-02
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. Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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: 30341
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: It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 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 XXXXXX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A