Date Received: 2024-01-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hi there! I'm reaching out to your good office re my credit report. First of all, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. Also, please take note that my letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20850
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
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 formally dispute and request an investigation into the inaccurate information present on my credit report. On XX/XX/XXXX, I initially contacted TransUnion regarding these discrepancies, yet as of the present date, I have not received any response. I am seeking your prompt attention to this matter in accordance with the Fair Credit Reporting Act ( FCRA ). The following are details of the inaccuracies and the corrections I am requesting : XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1900.00} ) : This account is not mine, and I request its immediate removal from my credit report. XXXX Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00}, Original Creditor XXXX XXXX ) : This account is not mine, and I request its immediate removal from my credit report. XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$250.00} ) : The reported balance is incorrect, and I dispute the Past Due information for a closed, charged-off account. Please revise and mark this account as disputed. Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$280.00} ) : This account is not mine, and I request its immediate removal from my credit report. XXXX XXXX Account ( Date Opened XX/XX/XXXX, Balance : {$1000.00} ) : The reported balance is inaccurate, and I dispute the presentation of Past Due information for a closed, charged-off account. Please mark this account as disputed, and verify Date Opened, Date of Status, and First Reported. XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1400.00} ) : This account is not mine, and I request its immediate removal from my credit report. XXXX XXXX XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$21000.00} ) : This account was never late, and I request correction of this inaccurate information on my credit report. XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$320.00} ) : This account was never late, and I request correction of 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: 01841
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
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: 92704
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
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: 91344
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: TransUnion placed a fraud alert on my credit profile without my permission, and I did not request the alert be placed on my account. I did request that unauthorized inquiries be removed, and they did not remove said unauthorized inquiries. Rather, they placed an unauthorized fraud alert on my account.
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: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX transunion and XXXX have allowed my credit to be pulled 106 times within two months
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91770
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: See attachments! It is illegal to report transaction history, it is illegal to use unfair me to collect any debt! Violation of privacy of 1974 violation of 31 USC 5103
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23669
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone opened XXXX mortgage accounts with XXXX XXXX that are not mine. The account numbersXXXX XXXX Account Numbers are : XXXX, XXXX, and XXXX There also was a fraudulent account opened in my name thru identity with XXXX XXXX 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: CT
Zip: 062XX
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Been working to have XXXX Bank remove a fraudulent account from my credit report for years now. They are upholding that the account belongs to me after an half done investigation stating that [ I ] gave them my information and I have never lived at the address they are saying that they sent the card to. I am exhausting all administrative rememdies, I've put in police reports and contacted the company and the credit bureus to no avail. this is my last stop before the courts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 590XX
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A