Date Received: 2024-01-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70458
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: KS
Zip: 662XX
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: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: medical debt under XXXX was supposed to not be reported by the 3 cr burs as of 2023
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 763XX
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing to file a formal complaint against TransUnion, XXXX, and XXXX regarding the inaccurate information on my credit report. Despite multiple attempts to address and rectify the inaccuracies, no action has been taken by the credit bureaus in question. The disputed items on my credit report include the following : TransUnion : 1. The following account is not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 2. I lost my job in XXXX of XXXX due to COVID 19. I was experiencing extreme financial hardship and I was receiving unemployment for almost a year. I was making the payments with my unemployment income. I called XXXX XXXX and explained the situation to them and they've agreed to not penalize me for the late payments. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 3. I lost my job in XXXX of XXXX due to COVID 19. I was experiencing extreme financial hardship and I was receiving unemployment for almost a year. I was making the payments with my unemployment income. I called XXXX XXXX and explained the situation to them and they've agreed to not penalize me for the late payments. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX : 1. I lost my job in XXXX of XXXX due to COVID 19. I was experiencing extreme financial hardship and I was receiving unemployment for almost a year. I was making the payments with my unemployment income. I called XXXX XXXX and explained the situation to them and they've agreed to not penalize me for the late payments. XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 2. I lost my job in XXXX of XXXX due to COVID 19. I was experiencing extreme financial hardship and I was receiving unemployment for almost a year. I was making the payments with my unemployment income. I called XXXX XXXX and explained the situation to them and they've agreed to not penalize me for the late payments. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 3. I do not recognize this account. Please verify that this account belongs to me. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX : 1. Please update the date of birth as follows : DATE OF BIRTH XXXX XXXX 2. I lost my job in XXXX of XXXX due to COVID 19. I was experiencing extreme financial hardship and I was receiving unemployment for almost a year. I was making the payments with my unemployment income. I called XXXX XXXX and explained the situation to them and they've agreed to not penalize me for the late payments. XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 3. I lost my job in XXXX of XXXX due to COVID 19. I was experiencing extreme financial hardship and I was receiving unemployment for almost a year. I was making the payments with my unemployment income. I called XXXX XXXX and explained the situation to them and they've agreed to not penalize me for the late payments. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 4. I do not recognize this account. Please verify that this account belongs to me. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. I have made three attempts to request the credit bureaus to delete the inaccurate information through written disputes, providing supporting documentation to substantiate my claims. However, despite my efforts, there has been no resolution or corrective action taken by the credit bureaus to rectify these inaccuracies. I am seeking the intervention of the Consumer Financial Protection Bureau to investigate this matter and ensure that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ). I request that the inaccurate information be promptly removed from my credit report to restore the accuracy and integrity of my credit history. Attached with this complaint are copies of the relevant documentation, including my written disputes, supporting evidence, and any responses received from the credit bureaus. I appreciate your prompt attention to this matter and look forward to a resolution that upholds the principles of fairness and accuracy in credit reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28083
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: Investigation took more than 30 days
Consumer Complaint: I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90034
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 bring to your attention the unresolved issues I am facing with TransUnion regarding inaccuracies in my credit report. On XX/XX/XXXX, I initially contacted TransUnion to dispute the following information, but to date, I have not received a response. XXXX XXXX Account ( Account Number : [ Account Number ], Date Opened : XX/XX/XXXX, Balance : {$520.00} ) : The reported balance of {$520.00} is incorrect. I remember the amount to be lower. Kindly delete the information regarding the Past Due amount, as the account is closed and charged-off. I request that this account be marked as disputed to prevent any adverse effects on my credit score. XXXX Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00}, Original Creditor : XXXX ) : This account is not mine, and I request its removal from my credit report. XXXX Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00}, Original Creditor : XXXX ) : This account is not mine, and I request its removal from my credit report. XXXX Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00}, Original Creditor : XXXX ) : This account is not mine, and I request its removal from my credit report. XXXX Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00}, Original Creditor : XXXX ) : This account is not mine, and I request its removal from my credit report. XXXX Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$560.00}, Original Creditor : XXXX ) : This account is not mine, and I request its removal from my credit report. XXXX Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$410.00}, Original Creditor : XXXX ) : This account is not mine, and I request its removal from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02124
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 file a formal complaint and dispute regarding inaccurate information on my credit report as provided by TransUnion. On XX/XX/XXXX, I initially contacted TransUnion to address the following discrepancies in my credit report. Despite my efforts, there has been no response from TransUnion to date. I believe it is imperative to rectify these inaccuracies promptly. The following are the details of the incorrect information and the corresponding corrections required : The account with XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} ) was never late. Please correct/update this inaccurate information on my credit report. The account with XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} ) was never late. Please remove the late payment notation. The account with XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$23000.00} ) was never late. Please correct/update this inaccurate information on my credit report. The account with XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$990.00} ) was never late. Please correct/update this inaccurate information on my credit report. The account with XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$720.00} ) was never late. Please correct/update this inaccurate information on my credit report. The account with XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$120.00} ) was never late. Please correct/update this inaccurate information on my credit report. The account with XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$720.00} ) was never late. Please correct/update this inaccurate information on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02124
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: 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 , FTC and my Attorney General.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08028
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: My name is XXXX XXXX, and I am creating this statement. It has come to my attention that there have been several accounts under my name fraudulently my information was used to obtain financial goods or services. The listed accounts in this report are not mine. According to 15 US Code section 1681-C-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies this information that results from alleged identity theft. Also, 15 US Code 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. The listed accounts never have received written instructions from me to report anything on my behalf. Additional Unauthorized Hard Inquires : 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: PA
Zip: 19125
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: Investigation took more than 30 days
Consumer Complaint: I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95307
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A