Date Received: 2024-01-29
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. Act Name : XXXX XXXX XXXX XXXX, Act Name : XXXX, XXXX Number : XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX ( XXXX ) XXXX XXXX XXXX XXXX # XXXX I have not provided written instructions for the listed creditors or any entity to furnish information on my consumer report, which could potentially be a violation of 15 USC 1681b. The Credit Reporting Agency 's actions have caused significant stress and XXXX, raising concerns about potential violations of the Fair Credit Reporting Act, such as 15 USC 1681 Section 602 and 15 USC 1681 Section 604a Section 2. Additionally, 15 USC 1666b mandates that a creditor must not treat a payment as late unless reasonable procedures ensure timely delivery of periodic statements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Subject : Dispute of Inaccurate Accounts on Credit Report I kindly request the your company to re-investigate and correct the inaccuracies in my credit report. I am seeking a prompt resolution to ensure that my credit history accurately reflects my financial responsibility. 1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. XXXX Account Number : XXXX Validate/inaccurate reported late payments. 2. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. XXXX XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan and per 15 usc 1681a ( 2 ) ( a ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 15 USC 1681 SECTION 602 STATES I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGGENCY CAN NOT FURNISH AN ACCOUNTWITHOUT MY WRITTEN CONSENT 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS A LATE FOR ANY PURPOSE THESE ACCOUNTS LISTED ARE IN VIOLATION ON MY RIGHTS. VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against companines listing inaccurate information, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. Please help me I have studied these laws in the fcra and i just want justice for my consumer report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29532
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
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 writing to formally lodge a complaint regarding the inaccurate reporting of account XXXX on my credit reports, which is in clear violation of the Fair Credit Reporting Act ( FCRA ). It has come to my attention that both TransUnion and XXXX are reporting conflicting information regarding the " date last active '' for this account. TransUnion is reporting the date last active as XXXX, while XXXX is reporting it as XXXX. This discrepancy not only undermines the credibility of the information but also violates my consumer right to have a fair and accurate credit report. Furthermore, I must highlight that XXXX has already deleted this account from my credit report due to my information being compromised in the XXXX data breach and the account not being verified. Therefore, the inclusion of this account by TransUnion and XXXX is entirely unjustified and constitutes false reporting. Additionally, I would like to emphasize that this account is uncollectible under the statute of limitations, which is 4 years in the state of Texas. As such, its continued presence on my credit report is not only erroneous but also damaging to my creditworthiness and financial reputation. I have previously requested your method of verification, and you have failed to comply with this request, thereby further violating the Fair Credit Reporting Act 611 ( a ) ( 7 ). Should you persist in your non-compliance and failure to rectify this situation promptly, please be advised that I am prepared to take legal action to seek relief and monetary damages under FCRA Sections 616 and 617. I am diligently documenting all communications and actions taken in this matter for this purpose. I hereby demand the immediate removal of account XXXX from my credit reports maintained by TransUnion and XXXX. I expect confirmation of this action within 7-10 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I was needing some financial relief so I filed bankruptcy in XXXX a XXXX XXXX. I was informed that I didnt need to file and I withdrew and the bankruptcy has been dismissed, and there are 3 cases that have been dismissed. I have attempted to get these removed from my credit report. And I did not give the courts permission to place the cases on my credit report. I have called to get them removed. I have submitted disputes with the credit bureau and they will not remove them, I have uploaded documents showing that the cases were filed incorrectly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85205
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I noticed various problems with my credit reports and need them to be fixed there is a letter describing all of these issuses
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 364XX
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
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 writing to formally lodge a complaint regarding the inaccurate reporting of account XXXX on my credit reports, which is in clear violation of the Fair Credit Reporting Act ( FCRA ). It has come to my attention that TransUnion is reporting an account that was to be removed XX/XX/2023 and the creditor has confirmed this. This discrepancy not only undermines the credibility of the information but also violates my consumer right to have a fair and accurate credit report. Furthermore, I must highlight that XXXX and XXXX have already deleted this account from my credit report. Therefore, the inclusion of this account by TransUnion constitutes false reporting. As such, its continued presence on my credit report is not only erroneous but also damaging to my creditworthiness and financial reputation. Should you persist in your non-compliance and failure to rectify this situation promptly, please be advised that I am prepared to take legal action to seek relief and monetary damages under FCRA Sections 616 and 617. I am diligently documenting all communications and actions taken in this matter for this purpose. I hereby demand the immediate removal of account XXXX from my credit reports maintained by TransUnion and XXXX. I expect confirmation of this action within 7-10 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute certain inquiries listed on my credit report. Upon reviewing my credit report, I noticed several inquiries that I did not authorize or recognize. The inquiries are as follows : Bureau : Transunion Creditor/Furnisher : XXXX XXXX Status : In Dispute Bureau XXXX Transunion Creditor/Furnisher XXXX XXXX XXXX Status : In Dispute Bureau : Transunion Creditor/Furnisher XXXX XXXX XXXX Status : In Dispute Bureau : Transunion Creditor/Furnisher : XXXX XXXX Status : In Dispute Bureau : Transunion Creditor/Furnisher : XXXX Status : In Dispute Bureau : Transunion Creditor/Furnisher : XXXX XXXX Status : In Dispute Bureau : Transunion Creditor/Furnisher : XXXX XXXX Status : In Dispute Bureau : Transunion Creditor/Furnisher : XXXX XXXX Status XXXX In Dispute Bureau : Transunion Creditor/Furnisher : XXXX XXXX : In Dispute Bureau : Transunion Creditor/Furnisher : XXXX XXXX Status : In Dispute
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A