Date Received: 2024-01-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Transunion shows a hard credit inquiry on my credit from XXXX XXXX XXXX I did not apply for any credit or loans with them or anyone else recently. The date shows as XX/XX/year>. I called XXXX XXXX, and they show no credit applications or anything for me. They advised me to dispute with Transunion, and Transunion advised me to dispute here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37615
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: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: In XXXX, XXXX, I signed up for a service that offered free credit reporting services, TransUnion, for 30 days. I cancelled within a week but the monthly billing will not stop. I contacted TransUnion for several months telling them to stop taking the monthly fee from my account. Still no reply. Every month in XXXX I have been charged the monthly fee, extending into XXXX. I want these deductions to stop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53719
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: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Subject : Urgent Request to Restore Access to Credit Report and Remove Freeze Dear TransUnion, I am writing to express my deep concern and frustration regarding the continued restrictions on my credit report and the inability to remove the freeze online or over the phone. As a business owner, I rely heavily on accessing my credit report to secure funding for my business and personal needs. The recent block on my access, despite my previous complaint to the CFPB, has caused significant difficulties and delays in my ability to operate my business. I find it unacceptable that I am being forced to wait XXXX business days to gain access to my own credit report, which is hindering my ability to make important financial decisions. Furthermore, I was shocked to hear from your agent that I need to obtain a new social security number, which I believe is an unreasonable request. I request that you send an email to the social security department officials to address this matter and resolve the issue. Additionally, I request that you update my credit report with the other major credit reporting companies, XXXX and XXXX, to ensure that my credit information is accurate and up-to-date across all reports. Pursuant to Section 605 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to request a freeze on my credit report and to request that the freeze be removed at any time. I am also entitled to receive a copy of my credit report and to dispute any inaccuracies in a timely manner. I urge TransUnion to immediately restore my access to my credit report online and over the phone, and remove the freeze to enable me to conduct my business operations smoothly. I also expect prompt updates to my credit report with the other reporting companies. I hope that this matter will be resolved promptly and fairly, without any further obstacles or delays. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33162
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: Reporting company used your report improperly
Consumer Complaint: I need you to attend the following show items in this letter which contains data taken directly from my credit report which you have provided. XXXX XXXX dated XXXX Please delete this unconfirmed inquiry lacking certifiable evidence unless physically certified proof is demonstrated per U.S. CODE U.S.C. {$1600.00} ET SEQ. Section 604 of Fair Credit Reporting Act. Once you have furfilled my request mail me an updated credit report reflecting these changes. I do not recognize any of these inquiries, please remove. I reviewed my credit profile and noticed inaccurate and/or incomplete information, and accounts. Fair Credit Reporting Act Sec 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate and incomplete. It is also my understanding the FCRA 15 U.S.C. & 1681 every single one even each any or unproven non compliant untrue incorrect aspects of alleged derogatory accounts must be promptly deleted. The following derogatory account allegations are either untrue, incorrect, incomplete untimely not my responsibility or otherwise not proven compliant to regulartory federal reporting laws and or standards and MUST be removed immediately. The infraction are as follows : XXXX XXXX Bank # XXXX XXXX XXXX XXXX along with the XXXX XXXX credit inquiry Also Ive notice two different dates of last activity along with two different last payment, two different dates of last payments, two different dates of opening account. Which are inaccurate information according to FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 210XX
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 am a victim of identity theft please remove this fraud inquiry from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48075
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: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Spoke with transunion! XXXX disputing unauthorized inquiries and was instructed to submit via mail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79423
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: Reporting company used your report improperly
Consumer Complaint: Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e 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. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Collection {$1200.00} XXXX XXXXXXXX Charge-off {$0.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
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: AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account name : XXXX XXXX Account number : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46530
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: It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76123
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 information incorrect
Consumer Complaint: Be advised that I hereby dispute the validity of the alleged debt listed above entirely. XXXX XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX XXXX illegally collected the above-listed alleged debt and took payment on a debt that I do not owe, XXXX and theft by deception. Defamation of character and Slander of my name. XXXX and XXXX XXXX. No consideration, False advertising such as advertising " loans '' based on the customer 's own credit. I have an absolute right to rescind a signature from any contract or agreement that was not fully disclosed to me. Such a contract or agreement is null and void, as if it never existed at all, and all to return to the lawful owner plus reasonable money and interest. I am not obligated by any contract or agreement obtained under conditions of fraud, deceit, or non-disclosure. XXXX XXXX payment and Utilization is illegal! XXXX XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX XXXX have 10 calendar days to update my late fees and reporting balance or balance utilization to 5 % or below and or delete all reporting balance Utilization and late fees from the below account/s or I demand account DELETED Wherefore there can be no payment of debt. Only discharge of debt, acceptance and return for discharge. 1692K Civil liability. Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for willful and knowing violation. I agree to pay any financial obligation which I might lawfully owe, on the condition that you provide : 1. Validation of the debt- that is, the actual accounting per GAAP . 2. Verification of your claim against me. A signed invoice or sworn affidavit. 3. A copy of the contract binding both parties, XXXX XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX XXXX and XXXX XXXX. 1. I need full Disclosure. I was not told that I was actually creating the credit. 2. Equal Consideration brought nothing of value to the table and had nothing to lose. 3. Law terms and conditions were based on fraud! 4. The wet ink signature of both parties. XXXX XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX XXXX actual damages, Defamation of character, consumer rights violations, multiple violations of Federal Debt Collection Practices Act ( XXXX PA ), Fair Credit Reporting Act ( FCRA ), fraud, aggravated identity theft, Identity theft, extortion, theft by deception, Securities and Exchange Commission ( SEC ), Generally Accepted Accounting Principles ( GAAP ) fraud, Conspiracy and Racketeering of {>= $1,000,000}. Within 10 calendar days after receipt of a notice, XXXX XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX XXXX shall return any money that has been given to anyone in connection with this transaction and shall take any action necessary to reflect the termination of the security interest. XXXX XXXX will further pursue all of my legal remedies without further notice. This letter serves as evidence that XXXX XXXX has attempted to resolve this matter formally before filing a court case. I will demand discovery and trial by jury. Failure to properly respond will be followed up with our FTC, BBB and Attorney General complaint, fee schedule and lawsuit. Fraud vitiates the most solemn contracts, documents and even judgments [ U.S. vs. Throckmorton, 98 us 61, at pg.65 ]. It would be unjust to allow one who made false representations to retain the fruits of a bargain induced by such representations. Whipp v. Iverson, 43 Wis 2d 166.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32773
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A