Date Received: 2024-02-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Somebody stole my car and my wallet was in there with all my personal information. I need the following accounts deleted from my report. I am a victim of identity theft. I have listed the report of accounts in a report from the federal trade commission. My affidavit is included as well. Please help me get these accounts off my file. It is tarnishing my name as well as all of the legal troubles I have to handle due to my car being stolen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX has repeatedly communicated with me both directly and indirectly by duress and coercion. My vehicle was repossessed which they had no right to do as there is no UCC filed meaning no lien is present. Theyve sent multiple correspondence lowering the price in order for them to remove. They went as low as requesting me to pay {$2000.00} and they would delete and remove because they are aware that I truly owe them nothing. The car was paid for at the consummation of the transaction to which I had no awareness. The contract was also subject to arbitration to which XXXX XXXX failed to comply by and illegally and unlawfully repossessed my car and still trying to purchase the debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29680
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Unauthorized credit inquiries, made by specific companies, were detected on my recent credit report, a clear violation of the Fair Credit Reporting Act Section 1681b ( c ). I demand validation from these companies, requesting copies of any documentation with my signature authorizing such inquiries, and in the absence of such evidence, prompt removal of these fraudulent inquiries within 30 days, as stipulated by the Fair Credit Reporting Act section 611.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97045
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX XXXX Subject : XXXX XXXX XXXX Accounts XXXX, XXXX and XXXX XXXX XXXX XXXX Accounts XXXX and XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX Dear Consumer Financial Protection Bureau I am writing to bring to your attention a matter of concern regarding the credit bureaus and their potential non-compliance with consumer protection laws. As a diligent consumer, I have observed discrepancies in the reporting practices of the credit bureaus, which appear to be inconsistent with the established regulations aimed at safeguarding consumer rights. I believe that the credit bureaus may not be adhering to the Fair Credit Reporting Act ( FCRA ) and other relevant laws that are designed to ensure accuracy, fairness, and privacy in the information they collect and disseminate. I have encountered specific instances where inaccuracies in my credit report have had adverse effects on my financial standing. I have attached supporting documents, such as Updated credit report and ALL The Laws to substantiate my claims. These documents serve as evidence that the reported information is not accurate. This is my third CFPB complaint about the inaccuracy of the three credit bureaus reporting And they are still reporting it. 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. I have the right to make sure my private information isnt 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. '' ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and TransUnion DO NOT have my consent to furnish this information and they surely DO NOT have my written consent. And I also want to bring to your attention a concerning issue regarding the credit reporting practices of the three major credit bureaus XXXX, XXXX, and TransUnion. I have discovered discrepancies in the investigation of accounts on my credit report, and I believe that they have not been properly addressed by the respective credit bureaus. These accounts have NOT been I properly investigated according to the LAW. TransUnion, XXXX and XXXX investigate accounts based off of their own policies not the LAW. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. TransUnion, XXXX, and XXXX please provide me with the name, date or time of the people you have spoken with when you did this investigation. I am tired of going back and forth with the agents at all three credit bureaus about the LAW and they telling me that theyre following company procedures and policies. Even Though there are procedures and policies does not line up with the LAW. 15 U.S. Code 6801 ( a ) Privacy obligation policy 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. Any and all consent to XXXX XXXX and TransUnion ( Furnisher of Information to credit agencies ) 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. And lastly. All of these Accounts are being reported as charged off. When a debt is sold over to a third party debt collector or it is considered charged off that is now considered a certificate of indebtedness which goes along with the 1099c the cancellation of a debt. Which means it is now income and income is not reportable and must be REMOVED Before this complaint is close please provide me with 1. The name, date and time of the person you spoke to complete your investigation ( According to what is written in Law and not YOUR POLICY ) 2. Written consent that I gave you to furnish these accounts. 3. Explain why you are still reporting these accounts even though they are not reported accurately across all 3 credit bureaus ( This is my third CFPB complaint about the inaccuracy of the reporting ) 4. Please provide the law that states that the credit bureaus can report income. I attached all the laws that was mentioned to this complaint. If you choose to ignore the laws and continue reporting based off of your procedures and policies that is fine. I will use this when I come back to sue all three credit bureaus. Ignorance of the Law is No Excuse. I kindly request the Consumer Financial Protection Bureaus intervention to ensure a thorough and proper investigation into these matters. I believe that the credit bureaus have a responsibility to accurately reflect individuals customer report and the current situation raises questions about the integrity of the reporting process. I have attached copies of supporting documents for your reference. Your prompt attention to this matter is highly appreciated. I look forward to a resolution that ensures the accuracy and fairness of my credit reports. Thank you for your time and assistance. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Under 605B, this account must be taken off ASAP. I'm really upset that it's showing up on my credit record, and it's not my account. Its presence has greatly bothered me, and I feel sick about this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07644
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: FRCA violations not mine not my credit cards XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2600.00} written off. XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Account charged off. $ XXXX XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual never late XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Single family not my name XXXX XXXX XXXX XXXX XXXX not my inquiries XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX 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 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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77489
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have contact Transunion on several occasions via dispute. There is a XXXX XXXX account reflecting my TransUnion consumer report, which I have told TransUnion that this items does not belong to me and requested that this items be removed and block per FCRA section 605B. As of today they have failed to do so. I have also attached a copy of my identity theft report # XXXX and police report # XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 791XX
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: After receiving a copy of my credit profile i noticed a few unrecognizable inquiries that i asked the bureau ( XXXX ) to remove who then gave me the run around a then no update.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70570
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Recently, I did an investigation on my credit report which had severe XXXX on my report. I found unverifiable, invalidated, inaccurate, and questionable items that are 100 % incorrect. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. code 1681e ( b ) and 15 code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
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 DEMANDING TRANSUNION TO UPDATE THE FOLLOWING ACCOUNTS AS " PAID AS AGREED NEVER LATE, AND TO DELETE ALL LATE PAYMENTS ON MY REPORT. A Written dispute was sent XX/XX/XXXX return sender, and certified mail # XXXXCompany responded with generic response please see attachment. A Written dispute was sent XX/XX/XXXX return sender, and certified mail # XXXX. Company responded with generic response please see attachment. A complaint was submitted on XX/XX/XXXX with the CFPB complaint ID XXXX ) regarding Transunion reporting inaccuracies on my consumer report. The company responded that the following information will be updated and I will receive an updated report which I haven't. Im not understanding how the case was closed without the following information being updated. I checked my credit report on XX/XX/XXXX. The company has not updated the information nor provided supporting documentation validating the late payments reporting on my consumer report. The following accounts are still reporting inaccurately : XXXX. XXXX XXXX {$4000.00} - Unverified Late Payments XXXX XXXX Late payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX {$2000.00} Unverified Late Payment XXXX XXXX Late payment : XX/XX/XXXX. I have been a proud member with XXXX XXXX since XXXX, the creditor nor I has given Transunion the consent to report these inaccuracies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A