Date Received: 2024-01-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38671
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
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've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91730
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38637
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
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: NC
Zip: 27539
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38671
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
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 One 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 screenshot inside this complaint in on dates of XX/XX/23. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact 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: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Transunions actions appear to be in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. The FCRA and the Privacy Act are crucial pieces of legislation designed to protect the rights and privacy of federally protected consumers. Under the Privacy Act of 1974, 5 U.S. Code 552a, important definitions are outlined, including the term " record, '' which encompasses any item, collection, or grouping of information about an individual maintained by an agency, such as education, financial transactions, medical history, and criminal or employment history. This definition explicitly includes consumer reports. Furthermore, the Privacy Act stipulates conditions of disclosure, explicitly stating that no agency shall disclose any record contained in a system of records by any means of communication to any person or another agency unless pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Transunion is subject to these regulations and should have obtained prior written instruction from whom the records relate before any disclosure. Transunion has disclosed records on my consumer report without obtaining prior written consent, which is a clear violation of the Privacy Act. Section 3711 ( e ) of title 31 permits the disclosure of information to consumer reporting agencies under certain circumstances, but it is contingent upon the head of the agency establishing procedures to obtain satisfactory assurances from each consumer reporting agency that they are complying with all laws related to providing consumer credit information. Transunion has failed to establish and adhere to such procedures, which constitutes a violation of both the FCRA and the Privacy Act. The FCRA also mandates that consumer reporting agencies take measures to ensure the accuracy and confidentiality of the information they collect. Under 12 CFR 1016.1, these financial institutions, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, are required to provide notice to customers about their privacy policies and practices. This includes conditions under which nonpublic personal information about consumers may be disclosed to nonaffiliated third parties. Consumers are also provided with the right to opt out of such disclosures, subject to certain exceptions. Specifically, I would like to bring to your attention the following violations : Failure to Provide Clear and Conspicuous Opt-Out Notice ( 12 CFR 1016.7 ) : According to the regulations, financial institutions are required to provide a clear and conspicuous notice to consumers explaining the right to opt out. The notice must include a reasonable means by which the consumer may exercise the opt-out right. If the opt-out means provided are unreasonable, it constitutes a violation. Unreasonable Opt-Out Means ( 12 CFR 1016.7 ( a ) ( 2 ) ( iii ) ) : Financial institutions must provide a reasonable means for consumers to opt out, such as check-off boxes, reply forms, electronic means, or toll-free telephone numbers. If the provided means are deemed unreasonable, it is a violation. Timely Compliance with Opt-Out ( 12 CFR 1016.7 ( g ) ) : Financial institutions are required to comply with a consumer 's opt-out direction as soon as reasonably practicable after receiving it. Failure to do so is a violation. Continuing Right to Opt Out ( 12 CFR 1016.7 ( h ) ) : Consumers have the right to opt out at any time, and financial institutions must respect this right. Duration of Consumer 's Opt-Out Direction ( 12 CFR 1016.7 ( i ) ) : A consumer 's direction to opt out is effective until revoked in writing or electronically, as agreed upon by the consumer. In addition to the above, 15 U.S. Code 6802 imposes obligations on financial institutions, requiring them to provide notice to consumers before disclosing nonpublic personal information to nonaffiliated third parties. Consumers must be given the opportunity to opt out of such disclosures, and clear explanations must be provided. I previously opted out of the reporting practices under 15 U.S. Code 6802 with the above financial institutions. Pursuant to the provisions of the law and the Privacy of Consumer Financial Information ( Regulation P ), I have exercised my right to opt out of the disclosure of my nonpublic personal information to nonaffiliated third parties. Under 15 U.S. Code 6805, the enforcement of opt-out provisions is the responsibility of regulatory bodies such as the Bureau of Consumer Financial Protection , Federal functional regulators, State insurance authorities, and the Federal Trade Commission . As such, it is imperative that these financial institutions and Transunion adhere to the opt-out preferences expressed by me as a federally protected consumer. I want to bring your attention that I have previously submitted my opt-out direction to Transunion and other financial institutions, including yours. In accordance with 12 CFR 1016.7 ( g ), which states, " Time to comply with opt-out. You must comply with a consumer 's opt-out direction as soon as reasonably practicable after you receive it, '' I request that your institution immediately takes action to delete any adverse accounts related to my nonpublic personal information. Failure to comply with the prompt deletion of adverse accounts in accordance with my opt-out direction may result in violations of the law and regulatory action. I trust that you will take the necessary steps to enforce my opt-out status and promptly delete any adverse accounts associated with my information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
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 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 XXXXXXXX has violated my rights. Or a 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: MS
Zip: 38655
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: My legal name is XXXX XXXX XXXX. XXXX XXXX XXXX is not a name I have used. 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: NC
Zip: 27410
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: According to 605B, this account must be removed promptly. It's making me mad to see it on my credit report when it's not even my account. I strongly request the company to remove it quickly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60490
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A