Date Received: 2024-01-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of XX/XX/2023 & XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshots attached :
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My demands are clear and concise. I do not need to prove who I am any more than what identifying information I have already provided. Why is transition asking for proof of my employment? Provide the law that states that I have to prove where I am employed. TransUnion has XXXX right to proof of employment and I am under no obligation to prove it. Transunion need to prove how they can verify information without speaking to the creditor ( myself ). Transunion has failed to hold clear, concise and CONSISTENT reporting between them and the other consumer reporting agencies. Lets try again, before litigation. this will be the final attempt. It has come to my attention, upon further investigation, that Transunion is still willingly violating federally protected consumer laws by selling nonpublic personal information and allowing companies to commit fraud with my estate and violate the privacy act. I have not granted permissible purpose pursuant to 15 USC 1681. All 3 companies have allowed income to be reported on my reports in the guise of a " charge off '' ( certificate of indebtedness ). They are aware that income is not to be reported on any persons credit report. All 3 companies have violated 15 USC 6802 thru 15 USC 6805 and no option to opt out of reporting were given at any time. All 3 agencies have inconsistencies through out ALL 3 reports are to remove the following from my credit report. If anything that has not been validated by myself, remains on my report, I reserve my right to file suit. All communications will be utilized as evidentiary information. TRANSUNION : REMOVE EMPLOYMENT " XXXX XXXX XXXX XXXX'. REMOVE ALL ADDRESSES, THEY ARE NON-MAILABLE ADDRESSES. REMOVE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX. REMOVE XXXXXXXX XXXX XXXX REMOVE XXXX XXXX XXXX XXXXXXXX. REMOVE XXXX XXXX XXXX XXXX REMOVE XXXX XXXX, REMOVE XXXX XXXX XXXX. ALL COMPANIES HAVE FAILED TO RESPOND TO DEBT VALIDATION LETTERS. HARD INQUIRIES TO BE REMOVED XXXX XXXX ( bank ). XXXX : REMOVE NON MAILABLE ADDRESS- XXXX XXXX XXXX XXXX XXXX NJ XXXX. REMOVE ACCOUNTS FOR FAILURE TO VALIDATE : REMOVE XXXX XXXX XXXX XXXX, REMOVE XXXXXXXX XXXX XXXX XXXX, REMOVE XXXX XXXX XXXXXXXX, REMOVE XXXX XXXXXXXX XXXX XXXX : REMOVE EMPLOYMENT " XXXX XXXX', REMOVE " XXXXXXXX XXXX ''. REMOVE FOLLOWING NON MAILABLE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX '', REMOVE XXXX XXXX XXXX XXXX XXXX NY XXXX, REMOVE XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX REMOVE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX REMOVE XXXX XXXX, REMOVE XXXX XXXX XXXX REMOVE XXXXXXXX XXXX REMOVE XXXXXXXX XXXX XXXX XXXX XXXX XXXX REMOVE XXXX XXXX. please be advised, if ANY of the above information remains on my report, i reserve my right to file suit against all 3 bureaus. I XXXX XXXX XXXX have NOT validated, nor verified, ANY of the above information nor was permission given under 16 CFR 313 and 15 USC 1681. I am the only one who can validate any information and I exercise my right to OPT OUT of reporting THAT I DO NOT AUTHORIZE. THIS IS A FINAL NOTICE. Again, if this is not verified by the true creditor, then none of it is to show on the report. Transunion must prove that they have validated all information with myself. Attached is a screenshot of XXXX falling in line and understanding that they have misused my credit report, just as Transunion has. A fee schedule will be submitted, if my above demands are not meant.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32065
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This medical bill pertains to my son. His father is responsible for paying this bill and his card or bank account is currently making monthly payments on this bill. I would like the debt to be transferred to him since he is the responsible party.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19711
Submitted Via: Web
Date Sent: 2024-01-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXXXXXX 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: IL
Zip: 62901
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I use an app called XXXX XXXX to monitor my credit score. I was notified by the app that Transunion is stating that I am XXXX. I am XXXX XXXX XXXX. I contacted Transunion by phone and the agent stated that my date of birth has been removed from my credit report. I did NOT request for my date of birth to be removed. I also have a copy of my credit report that I received from Transunion by mail on XX/XX/. The report was completed on XX/XX/2024 and it clearly has my date of birth on the report. The representative stated that since I had an open dispute that he could not re-add my date of birth back to my report until the dispute is completed and that I would need to call back once it had been completed and the issue would be corrected. Today, XX/XX/2024 I received confirmation that the dispute has been completed. I called Transunion and the representative is now telling me that I will need to send a photocopy of my driver 's license, birth certificate or social security card by mail to have my date of birth added back to my credit report. This can take up to 4-6 weeks. I am currently in the process of moving and this issue is preventing me from getting verified for my a new place to live. Transunion removed my date of birth without being asked to do so. This is tampering with personal information. I'm currently seeking legal counsel on this issue. I will also be submitting an official complaint to the FTC for this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights. XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Delete immediately !
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 955XX
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
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 dispute the accuracy of certain information on my credit report, which was previously brought to your attention in my certified letter dated XX/XX/2023 ( Tracking # XXXX ). According to 15 U.S.C. 1681 ( c ) ( 2 ), a consumer reporting agency is required to block the reporting of any information in the file of a consumer that the consumer identifies as resulting from alleged identity theft. Regrettably, I have not received any notification regarding the block of information as mandated by 15 U.S.C. 1681c-2. I would like to bring to your attention the provisions outlined in 15 U.S. Code 1681n - Civil liability for willful noncompliance, which specifies the consequences for failing to comply with the Fair Credit Reporting Act ( FCRA ). It states, " 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 agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' Furthermore, 15 U.S. Code 1681i - Procedure in case of disputed accuracy outlines the procedures to be followed in cases of disputed information. Subsection ( 5 ) specifically addresses the treatment of inaccurate or unverifiable information. If, after reinvestigation, an item of information is found to be inaccurate or can not be verified, the consumer reporting agency is required to promptly delete or modify that item of information and notify the furnisher of the information accordingly. I demand that you delete all the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. The Following Accounts are as follows : XXXX XXXX XXXX -- -ACCOUNT # XXXX XXXX XXXX XXXX -- -ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX -ACCOUNT # XXXX XXXX XXXX XXXX XXXXXXXX -- -ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX -- -ACCOUNT # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77459
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX XXXX This is a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. According to the FCRA 15 USC 1681a ( 2 ) A ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance reported or not. XXXX XXXX XXXX XXXXXXXX Late 60 days XX/XX/XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protections laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected copy of my report. I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your investigation. I also read that under federal law, you have 30 days to complete your investigation. If you can not correct this information, under the FCRA 15 USC 1611, Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. Please send an updated copy of my credit report to the above address. Or this will be taken to Federal Court. 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: TN
Zip: 37312
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Inquiry fraud see below
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A