Date Received: 2024-01-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2024-01-31
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: FCRA vioations not mine not my loan XXXX XXXX SERVICES Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. Status updated XX/XX/XXXX Balance {$14000.00} Balance updated XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$26.00}, XXXX written off. Status updated XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment {$250.00} as of XX/XX/XXXX Monthly payment was never late XXXX XXXX XXXX XXXX XXXX Account number XXXX Account type Child Support Responsibility Individual Date opened XX/XX/XXXX Status Open. {$5.00}, XXXX past due as of XXXX XXXX Status updated XX/XX/XXXX Balance {$5300.00} Balance updated XX/XX/XXXX Recent payment {$1000.00} as of XX/XX/XXXX Monthly payment {$1100.00} Original balance never lived here 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 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 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: 77014
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/XXXX, I looked at my credit report. I sent a letter to Transunion asking them to reinvestigate these account ; XXXX XXXX XXXX number XXXX, XXXX acct number XXXX XXXX acct number XXXX, XXXX acct number XXXX XXXX XXXX acct number XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct number XXXX. XXXX the XXXX, I was sent a letter stating that due to my dispute looking like it had been prepared by a XXXX party company, they could not continue with my dispute until I send them verification that it was me that send the letter. Im aware that 15 USC 1681, ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. And according to 15 USC 1681s-2 this is suppose to happen ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. TransUnion really didnt reinvestigate they lied on an official document saying they did something they did not do and I have evidence to prove my case
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: 2024-01-31
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: Kindly remove this to my credit report. This is causing me a lot of stress and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
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: Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute also are circled on the attached copy of the report I received. 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft and did not make the charge ( s ). I am requesting that the item ( s ) be blocked to correct my credit report. Also, please see attached documentation from the data furnisher Creditors In which they agree to delete these accounts. Enclosed are copies of Police Report, FTC Identity Theft affidavit supporting my position. Please investigate this ( these ) matter ( s ) and block the disputed item ( s ) as soon as possible. Yours truly, XXXXx XXXX TXXXX Enclosures : NEW Police Report FTC Identity Theft Affidavit XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX RE : Investigation Request to Delete Unauthorized Credit Inquires To Whom It May Concern : I had previously disputed these unauthorized inquires on my credit report. A letter sent certified mail on XX/XX/XXXX, concerning this issue however, you have failed to conduct a proper investigation and continue to report these fraudulent inquires. Its now over 30 days since that request. This will be the second time that I have reach out. Please delete the following inquires on my file, these are fraudulent. I did not authorize them. Also, provide me with method of verification. Please provide factual evidence that I Initiated this credit Inquires. 1. XXXX-Did not Authorized. XX/XX/XXXX 2. XXXX-Did not Authorized. XX/XX/XXXX 3. XXXX XXXX XXXX Did not Authorized. XX/XX/XXXX 4. XXXX XXXX XXXX XXXX Did not Authorized. XX/XX/XXXX 5. XXXX XXXX- Did not Authorized. XX/XX/XXXX 6. XXXX Did not Authorized. XX/XX/XXXX 7. XXXX XXXX Corp-Did not Authorized. XX/XX/XXXX 8. XXXX XXXX XXXX XXXX- Did not Authorized. XX/XX/XXXX 9. XXXX XXXX Did not Authorized. XX/XX/XXXX 10. XXXX Did not Authorized. XX/XX/XXXX Once you delete the above fraudulent inquiries, please mail me an updated credit report. Respectfully, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19134
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the FCRA these companies have violated my rights, the law states that 15 U.S, C. 1685975 1 section 602 ( 4 ) my right to privacy 15 U.S.C. 1681 subsection c written instructions by consumer 15 U.S.C. 1681 subsection 23 reporting inaccurate XXXX XXXX XXXX XXXX... .. did not provide me with contract with my signature on it XXXX XXXX... .. did not provide me with written contract with my signature on it XXXX XXXX...... did not provide me with written contract with my signature on it XXXX XXXX ... .. did not provide me with written contract with my signature on it XXXX XXXX XXXX .... did not provide me with written contract with my signature on it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95621
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I was charge a lot of money and I disputed the account but it wouldnt let me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47362
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I acknowledge and appreciate the time you have dedicated to addressing the removal of certain information from my file, arising from an alleged identity theft. However, there are still remaining items that require your attention. According to the FCRA Section 605, it is mandatory to eliminate any items identified in an Identity Theft Report # XXXX. Previously, I have communicated these concerns in a prior letter, and I am reiterating them in this correspondence along with a new FTC report 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 Balance : {$32000.00} -- -- -- -- -- XXXXTRANSUNION : XXXX XXXX XXXX Balance XXXX {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I have informed my attorney of my intentions, and they are prepared to hold you accountable in the event of willful noncompliance. Please be aware that there is a four-business-day deadline for the removal of these reported items resulting from the alleged identity theft. I want to emphasize that I do not consent to E-OSCAR or any form of automated verification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2024-01-31
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: ATTN : Risk Management Officer This is a DEMAND TO COMPLY LETTER with written instruction as it relates to I the consumer Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). Under the Fair Credit Reporting Act has been established by Congress, your agency role to me the principal, A consumer, in fact, is to adopt reasonable procedures to uphold the need to ensure that your grave responsibilities fairness, impartiality, and respect for my right to privacy must be maintained for maximum possible accuracy. Under 15 U.S. Code 1681e et seq, you may not procure or furnish a consumer report without following 15 U.S. Code 1681b ( a ) ( 2 ) as my written instructions as it relates. There has been a violation of these reasonable procedures because as I showed within my attachments there has been inaccurate and unverifiable information removed from another consumer reporting agency and has not been removed from your system. You should be aware your failure to maintain your reasonable procedures for maximum possible accuracy has resulted in a conspiracy that deprived me of my right pursuant to the Truth In Lending Act subsection 1602 ( f ) to extend new credit for me. This deprivation of my rights is a federal criminal violation under 18 U.S. Code 241. I am well aware of the fact that the reasonable procedures requiring each consumer reporting agency to compile and maintain files on consumers on a nationwide basis shall establish and maintain a notification system jointly with other such consumer reporting agencies pursuant to 15 U.S. Code 1681b ( e ) ( 6 ). Understand this is NOT a dispute letter as there is nothing to dispute. I am DEMANDING you, the agent, follow your fiduciary responsibility to me and REMOVE/DELETE the following information from my consumer file. This has been an egregious failure to follow your very own reasonable procedures required by the Fair Credit Reporting Act. In the zip file attachment included with this letter, you will see my identifying information as well as my consumer report from Transunion, XXXX, and XXXX which shows these inaccurate and unverifiable information. However, these accounts are reported to the reporting agencies. This should not exist. You must have joint systems to notify each other of this incorrect information as consumer reporting agencies to maintain the maximum possible accuracy. This is a violation and failure to maintain your reasonable procedures for maximum possible accuracy and is false and misleading reporting. This information is also incorrect and falsely reports Metro 2 fields that do not match Transunion, XXXX, and XXXX. I demand these accounts be removed from the consumer report by your consumer reporting agency for the federal law violation of failure to maintain your reasonable procedures for maximum possible accuracy and violation for failing to promptly delete the items of information as required for treatment of inaccurate or unverifiable information pursuant to 15 U.S. Code 1681i ( 5 ) ( A ). REMOVE/DELETE the following accounts ; XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX, XXXX XXXX XXXX XXXX- Account Number XXXX XXXX XXXXXXXX XXXX- Account Number : XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX- Account Number : XXXX REMOVE these accounts UNDER PENALTY OF PERJURY, DELETE these accounts for violation of 15 U.S. Code 1681e, Failure to maintain reasonable procedures, 15 U.S. Code 1681b ( e ) ( 6 ), FDCPA Violation of 15 U.S. Code 1692e False and Misleading reporting, Violation of 15 U.S. Code 1681i ( 5 ) ( A ). Deprivation of Rights 18 U.S. Code 241. I am demanding my remedy for your willful noncompliance with each violation of the law. ? Violation of 15 U.S. Code 1681e- {$1000.00}? Violation of 15 U.S. Code 1681b ( e ) ( 6 ) - {$1000.00}? Violation of 15 U.S. Code 1692e- {$1000.00}? Violation of 15 U.S. Code 1681i ( 5 ) ( A ) - {$1000.00} Total Amount Due : {$4000.00} I am well aware you have no legal standing in court and there are numerous counts of case law which illustrate the consumer reporting agencys failure to maintain reasonable procedures is grounds for a suit and judgment in favor of the plaintiff. I am not afraid to take legal action to cure my injury brought by each company. l am demanding that you remove this transaction from my report immediately as it is a violation of my rights as a federally protected consumer under Title 15 chapter 41. I understand that you are required to notify me within 30 days and provide me with an updated copy of my credit report. Your willful noncompliance has civil liability under 15 U.S. Code 1681n et seq. CC : Registered Agent CC : CFO/CEO CC : Privacy Compliance Officer CC : CFPB CC : XXXX CC : NYS Attorney General CC : Federal Trade Commission
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61115
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A