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: 320XX
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: According to the Fair credit reporting Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below 1 ) account name : XXXX XXXX XXXX The account listed above is currently a closed account and that's more of a reason I want that account to be removed off my credit reports
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14051
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: MD
Zip: 20746
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. I told Transunion to reinvestigate these accounts : Account name : XXXX XXXXXXXX # XXXX, Account : XXXX XXXX # XXXX, Account : XXXX XXXX XXXX # XXXX, Account : XXXX XXXX XXXX. However, they stated everything was complete and accurate but that isnt true. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. PLEASE GIVE REMOVE ALL ACCOUNTS ASAP!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
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: 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: CA
Zip: 90019
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: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Pre-Arbitration Notice and Intent to File Legal Proceedings Regarding Improper Account Retention, Non-Account Removal, and Statutory Violations : 15 USC 1681a ( 2i ), 15 USC 1681 ( b ), 15 USC 1681c ( 5 ), 15 U.S. Code 6801, and 15 U.S. Code 6802 of the Fair Credit Reporting Act ( FCRA ) This Notice is hereby given that I am initiating pre-arbitration proceedings due to its violations of the following federal laws and the failure to remove an inaccurate account from my consumer report, and its willingness and KNOWINGLY BREAKING THE LAW AND VIOLATING MY CONSUMER RIGHTS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30080
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: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Transunion refuses to remove fraudulent accounts and inquires. They send me letters accusing me of lying about this accounts and that they refuse to remove. I have sent them the required documents per the FCRA in order to have these accounts removed and or blocked! Yet they still refuse. Customer service at TransUnion is horrible. Nothing but overseas XXXX who speak little to no English and don't take my calls and or complaints seriously. It's obvious that it is all about TransUnion getting paid to report. info even if it is indeed proven fraud! The following accounts are the result of ID THEFT and all the supporting documents have been sent in several times! 1.XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have two collection accounts that popped up on my credit report. I notified the bureaus with a letter and included a fraud report. They removed one of the collections, but they left the other collection account on. They did not provide me any response and I do not understand why they would remove one account, but not the other. Neither of the accounts belong to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92346
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: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91367
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: 2024-01-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Violations of Fair Credit Reporting Act and Privacy Laws I am making this complaint to the CFPB because you are the government entity that is supposed to make these institutions follow the law. well they are not following the law by any means. I ask that you do the job that you were created to do and protect us consumers from these Institutions. and make them answer for their indiscretions. I, XXXX XXXX, the undersigned, am writing to bring to your attention the egregious violations of my rights as a consumer by the consumer reporting agencies XXXX, XXXX and Transunion, hereinafter referred to as the " Agencies, '' and XXXX, XXXX, XXXX, XXXX, XXXX, XXXX hereinafter referred to as the " Financial Institutions. '' The violations pertain to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and related privacy laws. I. FCRA Section 602 ( a ) - Responsibilities of Consumer Reporting Agencies According to 15 USC 1681 section 602 ( a ), it is mandated that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. The Agencies, have failed to adhere to these obligations. II. FCRA Section 6801 - Privacy Policy of Financial Institutions Pursuant to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers. The Financial Institutions, as furnishers of information to credit agencies, falls under this definition. The failure to protect the security and confidentiality of my nonpublic personal information is a clear violation. III. FCRA Section 604 ( a ) ( 2 ) - Furnishing Consumer Reports Only with Consumer Consent Under 15 USC 1681 section 604 ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. The Financial Institutions and the Consumer Reporting Agencies lack my explicit written consent to furnish my information. IV. FCRA Section 6802 ( b ) ( c ) - Nondisclosure Option According to 15 USC 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise the nondisclosure option. The Financial Institutions failed to provide such information, violating my rights. V. FCRA Section 1681C ( a ) ( 5 ) - Limitations on Information in Consumer Reports Pursuant to 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency may include adverse information that antedates the report by more than seven years. The reporting of adverse information without my permission is a blatant violation. VI. FCRA Section 1681s-2 ( A ) ( 1 ) - Furnishing Inaccurate Information Under 15 U.S. Code 1681s-2 ( A ) ( 1 ), a person shall not furnish any information to a consumer reporting agency if they know or have reasonable cause to believe it is inaccurate. The Agencies failed to ensure the accuracy of the information they reported. 1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. The following personal information is incorrect Account Number : LEGAL DOCUMENT PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, UT XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, UT XXXX 4. Identity Theft XXXX Account Number : XXXX I have included an FTC Report REMOVE/DELETE and BLOCK from my Credit Report per 15 us code 1681 c-2 5. XXXX Account Number : XXXX I have included an FTC Report REMOVE/DELETE and BLOCK from my Credit Report per 15 us code 1681 c-2 VII. FCRA Section 1681e - Maintenance of Reasonable Procedures Pursuant to 15 U.S. Code 1681e, every consumer reporting agency must maintain reasonable procedures to avoid violations of section 1681c of this title and to limit the furnishings of consumer reports to the purposes listeds under section 1681b of this title The " Agencies '' and " Financial Institutions '' have neglected to uphold these standards. VIII. 12 CFR 1016.7 - Right to Opt Out As per 12 CFR 1016.7, a consumer may exercise the right to opt out at any time. I am hereby opting out of the reporting services provided by the " agencies '' and the Financial Instituions '' who clearly violated my rights when they failed to inform me of my right to exercise the nondisclosure option. In light of these flagrant violations, I demand immediate rectification of the inaccuracies and cessation of unauthorized reporting. Failure to comply may result in legal action to protect my rights as a consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33141
Submitted Via: Web
Date Sent: 2024-01-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A