Date Received: 2024-01-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 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: FL
Zip: 33904
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am appalled by the persistence of a fraudulent account on my credit report, despite Identitytheft.gov reporting and the bank confirming its validity. Other bureaus have already removed it. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90036
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 writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 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: NJ
Zip: 08060
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am extremely dissatisfied with the inaccurate reporting of late accounts on my credit file. The accounts in question, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should reflect a positive review or be marked as closed/never late. After a meticulous review, the banks have agreed to remove these accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93021
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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 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: FL
Zip: 33139
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: When I investigated my credit report, I realized that some of the information was 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. 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: KS
Zip: 672XX
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I vehemently dispute the XXXXXXXX XXXX account ( XXXX ) on my credit report, opened on XX/XX/XXXX, with a balance of {$300000.00}. A glaring glitch in the creditor 's systems wrongly marked my XX/XX/XXXX payment as late, despite timely payment, and their verbal promise to fix this issue urgently. I demand immediate correction and vigilance from the bureau in rectifying this damaging error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11221
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Someone stole my identity and opened many accounts wihtout my permission or authority. Please check 100 percent accurate, true correct. Please remove all of it ASAP!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11221
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 trust this message finds you well. I am writing to express my ongoing concern and frustration regarding the unresolved issue of fraudulent items associated with my account. Despite numerous attempts to address this matter, the fraudulent items persist, causing significant distress and financial hardship. I have reported this matter on multiple occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in your services. Given the urgency of the situation, I urgently request the following actions be taken : Conduct an expedited and comprehensive review of the fraudulent activities associated with my account to facilitate the swift removal of all unauthorized items and transactions. Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to resolve this issue. Implement additional preventive measures on my account immediately to mitigate the risk of future unauthorized access or activities. Given the prolonged inconvenience and the impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in your services. Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraudulent items in my credit 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 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: AR
Zip: 72118
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: Formal Cease and Desist notice Letter Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : Following back on Consumer Complaint # : XXXX for XXXX XXXX on XXXX XXXX Re XXXX XXXX XXXX Consumer Dispute Request Dear TransUnion , This is to serve as a formal Formal Cease and Desist notice demanding immediate removal of ALL numerous fraudulent Account Review Inquiries attributed to my credit report TransUnion. XXXX XX/XX/XXXX, TRANSUNION XXXX XX/XX/XXXX, TRANSUNION XXXX XX/XX/XXXX, XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX, XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX, XXXX via TRANSUNION XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX via XXXX XXXX XX/XX/XXXX, you claim that I made these inquiries how can you prove it that was me. Furthermore Per 15 U.S. Code 1681 Responsibilities of furnishers of information to consumer reporting agencies You have a Responsibility to remove inaccurate information. ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( 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. You know how many XXXX XXXX in the world. Thats irrelevant. These Account Review Inquiries are coming off my report I filed a police report. You want to fight the police go ahead. I dont work for any non affiliates, I am my own entity. You need us. This is my mandate for you TransUnion to emanating from your agency under Credit Report for TransUnion. I have attached my TransUnion current Credit Report, my Credit Report Number : # XXXX XX/XX/XXXX My police Report Number : # XXXX My FTC Report Number : # XXXX XXXX XXXX! REQUESTED - REMOVE AND DELETE ALL XXXX XXXX ACCOUNT REVIEW INQUIRIES FROM MY TRANSUNION CREDIT REPORT IMMEDIATELY! Thats my mandate! Correspondence also confirms that 1. Your company mailing address, operate independently of other agencies, merely representing myself as a consumer advocacy initiatives. I implore your urgent action to validate my contention, rectify any discrepancies or inaccuracies, and ensure this misleading data does not further jeopardize my credit standing or prospects. My second request is to Opt me Out on ALL TransUnion regarding Inquiries offers and advertisements from my credit report! I just wanted to write this letter to formally dispute several fraudulent items on my report generated by your company TransUnion, I didnt give you authorization to do a credit check on my TransUnion Report. You took advantage of me because I am a XXXX citizen. You figured I would let this go. This is wrong unethical on your part. In violation of the Fair Credit Reporting Act. I firmly denies all liability associated with credit inquiries that allegedly originated from me on XXXX XX/XX/XXXX, TRANSUNION XXXX XX/XX/XXXX, TRANSUNION XXXX XX/XX/XXXX, XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX, XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX, XXXX via TRANSUNION XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX via XXXXXXXX XXXX XXXXXX/XX/XXXX Total of 17 Account Review Inquiries plus the 5 inquiries from car dealerships. I have highlighted the Account Review Inquiries in BLUE for you and I have circled the 5 Account Review Inquiries for the dealership in RED so you can understand of what I am disputing. I have reported this beforehand. Which appears as Account Review Inquiries on TransUnion, respectively. I have my lawyer and my financial advisor, you have a team, I also have a team. I can sue you for mega bucks. Down to superior court. I dont mind going down there where I live and file a lawsuit against TransUnion for XXXX Bagging and Corruption against your company. The XXXX XXXX XXXX Police Department told me they have strong evidence indicating that TransUnion accusations against myself are unfounded as seen in the attached photographs credit report file highlighted and circled depicts a closeup of my report showing you the issue I am having with you TransUnion, also because I am a XXXX citizen and I have XXXX XXXX XXXX XXXXXXXX XXXX living in XXXX XXXX I have been working in this XXXX area for over 30 years. Mandate for you TRANSUNION DISPUTE TEAM XXXX XXXX MANDATE REMOVE ALL ACCOUNT REVIEW INQUIRIES FROM TRANSUNION IMMEDIATELY WITHOUT NO DELAY!!! HERE IS THE LIST!!! XXXX XX/XX/XXXX DELETE THIS TRANSUNION XXXX XX/XX/XXXX DELETE THIS TRANSUNION XXXX XX/XX/XXXX DELETE THIS XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX, XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX DELETE THIS XXXX via TRANSUNION XXXX XX/XX/XXXX DELETE THIS TRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX DELETE THIS XXXXXXXX XXXX DISCLOSURE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX DELETE THIS XXXX XXXX via XXXX XXXX XXXXXX/XX/XXXX DELETE THIS I have already sent you a XXXX XXXX XXXX Form Prior to last year. I would like to have these deleted per 15 U.S. Code 1681 The Account Review Inquiries are underlined in YELLOW My TransUnion File # XXXX MANDATE SIGNING OFF!!! 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: 2024-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A