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: Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33135
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: Account status incorrect
Consumer Complaint: As I've disputed this account blatant inaccuracy before of a late payment. I've taken this a step further and called the furnisher of the misrepresentation and attack on my character, payment history, and exceptional standing in the eyes financial institutions. The credit reporting agencies placed this erroneous late payment on my consumer report and YOU HAVE FALSELY DAMAGED MY CHARACTER AND REPRESENTATION WITH THIS UNJUST, UNVERIFIABLE REPORTING TO MY CONSUMER REPORTS! I WILL SEEK ALL REMEDIES AFFORDED TO ME FROM ALL PARTIES INVOLVED IF THIS MATTER IS NOT BLOCKED AND REMOVED FROM MY CONSUMER REPORT IN 15 DAYS OR LESS! PLEASE ACCEPT THIS AS MY OFFICIAL NOTICE TO CURE AND XXXX 15 U.S. Code 1666B states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late FOR ANY PURPOSE. It also states unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge!!!!!!!!!!!!! The law is very very clear
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70769
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: I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 283XX
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: I received a copy of my credit report and found the following item ( s ) to be in error : { XXXX XXXX XXXX XXXX XXXX Number : XXXX } I have previously disputed the above ite with you. You verified the item as accurate. Stating that you have verified the information with the court. I contacted the court and their response was " WE DO NOT REPORT TO CREDIT BUREAUS ''. They made it clear that they DO NOT REPORT TO TRANSUNION, XXXX, XXXX or ANY other bureau for that matter ; therefore, your initial response verifying the item with the court was either an ERROR or a LIE. Either way, the reporting requirements DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ), and the information MUST BE DELETED IMMEDIATELY. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted this item. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to report fraudulent accounts on my credit report, confirmed by an identity theft report filed on identitytheft.gov. The associated banks, unable to provide records, have assured me of immediate removal. Affected Accounts : 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: 10314
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'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: FL
Zip: 33010
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: Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX D.C. XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Dear TransUnion Consumer Solutions Department & XXXX I am writing this letter of a complaint regarding the persistent appearance of " Account Review Inquiries '' my client XXXX XXXX XXXX 's credit report for TransUnion File Number : XXXX Date Issued : XX/XX/XXXX, his previous credit report File Number for TransUnion is XXXX Date Issued XX/XX/XXXX XXXX XXXX XXXX Reappeared again on his credit file and some Account Review Inquiries hasn't been removed. This continuous reappearance has negatively affected his credit score despite no interaction or consent from my client for such Account Review Inquiries. The fact that this issue had previously surfaced and been rectified by your organization with respect to another family member further strengthens our convection regarding ongoing breach of Fair Credit Reporting Acr ( FCRA ) and Equal Credit Opportunity Act ( ECOA ) provisions. It's unfortunate, TransUnion. In some cases. individuals or organizations might be aware of these discrepancies but fail to take effective measures to address them adequately due to various reasons, which only adds further distress for affected consumers like my client. Our aim here is to bring this issue to the forefront and ensure that you TransUnion acknowledges your responsibilities as a consumer reporting agency under FCRA and ECOA while providing a suitable resolution for XXXX 's matter. My primary aim as a XXXX XXXX is to aim in this correspondence is to bring your full attention to a series of blatant legal infractions committed by your organization under both Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). The reappearance of these unwanted Account Review Inquiries have resulted in unnecessary distress for my client as they adversely affect his credit rating, hindering his ability to secure favorable terms for financing purposes. In accordance with Section 1681i ( b ) from FCRA regulations. My client has lodged complaints after complaints about this matter with us as it has negatively impacted his credit score. According to his statement, these Account Review Inquiries have appeared multiple times without his consent or knowledge which is a clear violation of both Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). As per section 1681i ( a ) from the FCRA regulations, any consumer reporting agency that receives notice of a dispute from a consumer must conduct an investigation reasonably promptly under the procedures established by such bureaus to resolve disputes within a period not exceeding thirty days. As for my client includng all fraudulent inquiries or incorrect entries in XXXX 's credit reports will enable proper scrutiny of his report by TransUnion and give you a clear picture of the issues he has been experiencing. This method increases the chances that every questionable entry will be promptly investigated and addressed appropriately. Furthermore per 12 CFR 1002.110 Part Highlighting any legal violations you perceived ; 12 CFR 1002.110 Publication of Data and other disclosures highlights this ( e ) Further disclosure prohibited ( 1 ) Disclosure by a financial institution. A financial institution shall not disclose or provide to a third party the information it collects pursuant to 1002.107 ( a ) ( 18 ) and ( 19 ) except to further compliance with the Act or this part or as required by law. ( 2Disclosure by a third party. A third party that obtains information collected pursuant to 1002.107 ( a ) ( 18 ) and ( 19 ) for the purpose of furthering compliance with the Act or this part is prohibited from any further disclosure of such information except to further compliance with the Act or this part or as required by law. My client XXXX XXXX XXXX has been violated by all these third parties and non affiliates. They failed to NOT share his INFORMATION and they violated his rights as a federally protected consumer. All these banks and cooperations. 16 Account Review Inquiries needs to be DELETED AND REMOVE FROM HIS TRANSUNION CREDIT REPORT. Failure to remove the Account Review Inquiries can be taken further for a lawsuit against TRANSUNION and all the companies who had shared his information to a third party. XXXX XXXX 's MANDATE FOR TRANSUNION IS TO REMOVE ALL ACCOUNT REVIEW INQUIRIES WITHIN 30 days! I have uploaded two credit reports from you TransUnion the old report for XXXX and the one for XXXX. Please take this for your records and further proof and listen to my instructions. I am going to list the Account Review Inquiries to this letter and I am going to forward it to the companies and third parties investors who did the violations against my client. LIST OF ACCOUNT REVIEW INQUIRIES XXXX XXXX via TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TU XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX XXXX XXXX via XXXXTRANSUNION XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX These Account Review Inquiries are fraudulent, and these inquiries are not authorized by XXXX XXXX, and can you prove that he did these inquiries. Where is his signature in writing prove that it's him. No signature you can not prove it was him. XXXX XXXX have been a victim of identity theft since late XXXX. Stop playing games with him I have his XXXX XXXX XXXX XXXX ; we will not allow this behavior to happen. If you don't comply, we will file a lawsuit against all these non-affiliates. So, these FRAUDULENT ACCOUNT REVIEW INQUIRIES are going to be highlighted in YELLOW so you all can see it I'm going to add his previous CFPB complaint file numbers so you guys can check out my complaint against other banks. CFPB Complaint Number XXXX, CFPB Complaint Number XXXX. Also, as well I am already complained about this same issue with these inquiries this complaint Number is XXXX I had complained to TransUnion about the problem FTC Number is XXXX Sincerely, Consumer : 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: DC
Zip: 20018
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: I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95127
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: I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: FL
Zip: 337XX
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: By the provisions of the Fair Credit Reporting Act, I am submitting this complaint 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 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: FL
Zip: 33174
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A