Date Received: 2024-02-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: my student loans on my transunion and XXXX show that it is open and has not been updated as i my student loan have been paid in full by student loan relief program last XXXX and XXXX. A month after my student loans were taken care of my XXXX updated that it was paid and closed the account and this dropped my debt to ratio down but my other credit reports have not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: 58103
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a pressing issue regarding the failure of the credit bureaus, particularly XXXX, to promptly investigate and update me on the status of my dispute letters, which were submitted more than 30 days ago. The dispute letters were intended to address inaccuracies on my credit report, and despite the lapse of the legally mandated investigation period, there has been no resolution or communication from the credit reporting agencies. On XX/XX/XXXX, I submitted dispute letters to XXXX concerning certain accounts on my credit report that I believe contain inaccuracies. To my dismay, despite the 30-day window stipulated by the Fair Credit Reporting Act ( FCRA ), I have not received any updates on the status of the disputed accounts from XXXX or the other credit bureaus involved in the dispute process. To compound the issue, I engaged in a conversation with a representative from XXXX on XX/XX/XXXX and XX/XX/XXXX, during which they confirmed the receipt of my dispute letters. Shockingly, the representative disclosed that the disputes had not been entered into the system for investigation. I have meticulously recorded this conversation and can provide the recording as evidence. As per my understanding of the FCRA, if accounts are not investigated within 30 days of a dispute being entered, they must be promptly removed from the credit report. It is deeply concerning that this mandatory investigation period has been exceeded, and the credit reporting agencies have not adhered to their responsibilities under the FCRA. I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to ensure that my rights as a consumer are protected. I seek your assistance in compelling the credit reporting agencies, especially XXXX, to promptly investigate the disputed accounts and provide me with the necessary updates on the resolution
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48315
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: TransUnion XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. Sincerely, XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 056XX
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I recently reported to the credit bureau that they are reporting wrong information on their credit report. After paying my monthly XXXX bill on time for approximately XXXX years I notified XXXX on XX/XX/year>, I was moving out of state and requested my name be removed from my account. XXXX agreed to do this because my wife was remaining at the address, and she wanted to continue using XXXX and continue to pay the monthly bill. Although my name should have been removed on XX/XX/year>, XXXX failed to do this and continued to send my wife the monthly bills under my name. My wife contacted XXXX and they did not correct their error until XX/XX/year>. XXXX sent an email acknowledging their error and backdated the transfer date to XX/XX/year>. Included in my correspondence to you is a copy of the XXXX email acknowledging their mistake. My wife had enrolled in XXXX XXXX and XXXX deducted each monthly payment from her checking account. XXXX even changed the account number. I have also included the monthly bills past the date when I was removed from the account. I have tried to correct the account with XXXX, but they do not allow me to talk to the person who will be conducting the investigation to explain the situation. You have to speak to a clerk who does not do the investigation and only says you are disputing the bill. I have also reported to the XXXX major credit bureaus that I do not owe XXXX any money, but the credit bureaus has not corrected or removed the negative reporting. As a result of XXXX actions and the credit bureau my XXXX score has been significantly reduced, probably raising the cost of my insurance and ability to obtain better interest rates. I am requesting your assistance in resolving this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33484
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: To the best of my knowledge, FCRA 605B requires the removal of incorrectly reported accounts from credit reports. While I'm uncertain about the specifics, I urge you to review the accounts outlined in the documents. They're inaccurately represented on my credit report, with incorrect account information and statuses. This situation has deeply upset me, and I'm feeling unwell as a result. I'm reaching out to seek your assistance in resolving this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60431
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I have been a XXXX XXXX customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to request you be willing to make a " goodwill '' adjustment to your reporting to the XXXX credit agencies XXXX, XXXX, and Transunion. I was going through my credit report today and noticed that your company report me late on XX/XX/XXXX. As you can tell, I have had an exceptional payment history and have not had a single missed payment on any of my XXXX XXXX accounts since this time. Because of my otherwise exceptional payment history over the years, I would like you to please consider removing the negative payments from my credit report. At the time of the late payments, I was out of work due to an unforeseen medical issue, and immediately brought my accounts up to date the following month although I was still out of work for most of the time. I say that not to justify why the payment was late, but rather to show that the late payments are not a good indicator of my actual historical creditworthiness. I hope that XXXX XXXX is willing to work with me on erasing these marks from my credit reports. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove that late payment from my credit report. I hope you'll approve my request so I can get closer to my financial goal this year. My wife and I are currently in the process of buying our first home, and these late payments are the only detrimental items currently reflected on my credit report. I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 857XX
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Timely payments have been a constant on this account, and I have never been overdue. I'm unclear about the reasons behind 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: IL
Zip: 60431
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This is my second notice regarding the inaccurate items that are being reported on my credit. Up until this point the agencies have ignored me and my requirements of them, which are to make sure that the items and information that they are reporting are entirely accurate. This is wreaking havoc on my life as I have to continue to reach out to the agencies in order for them to do their job.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
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: CA
Zip: 90242
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A