Date Received: 2024-01-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75253
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: This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75253
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: Account information incorrect
Consumer Complaint: I am a XXXX XXXX XXXXXXXX XXXX and the joint account owner who was my caretaker informed me she was in communication with XXXX XXXX and that I had to make a payment or the truck would get repossessed. This was in XXXX of XXXX. I called them and made a monthly payment XX/XX/2022 for the usual amount of {$770.00}. The customer service representative verified this would stop the repossession which was very important to me. Well they took the truck anyway without my knowledge right after that and didnt even allow me to get the thousands of dollars worth of personal property I had in there as I was preparing to move residences. It has really bothered me that they were so dishonest so I got some legal advice and if this avenue doesn't produce results then a lawsuit is the next step which I would like to avoid because of the time it would take. They refuse to acknowledge my last payment date because then it would prove my case. That they basically repossessed my truck unlawfully but they refused to acknowledge that I had made any payments in XXXX. Well I finally have the proof of that payment which was the only thing my lawyer needed to move forward with full confidence. This affected me so much I went into inpatient treatment at the VA for almost a year following the repossession.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17042
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: I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 761XX
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 have several unauthorized inquiries listed and reported in my Transunion Consumer Report File in which I have made contact with the creditors and transunion multiple times to initiate my dispute claims and the creditors advised that they will flag my personal information and have the unauthorized inquiries purged from my credit files from XXXX, XXXX and transunion.However, XXXX and XXXX have purged the unauthorized inquiries and transunion did not.I made large amount of calls to transunion speaking with various representatives of transunion that advised me that Transunion will not remove or delete the inquiries from my file and therefore the inquiries will remain on my file.after unsuccessful attempts to get this unauthorized fraudulent inquiries resolved Transunion have continuously violated my rights as a ID Theft and Fraud victim under FCRA TransUnion is not in full compliance with FCRA.I have forwarded copies of the FTC Identity Theft Report and XXXX XXXX Police Department Identifity theft report via USPS to Transunion LLC XXXX XXXX XXXX XXXXXXXX, XXXX to validate my claim and still I am advised again that those inquiries will remain on my credit file. Please be advised that the following unauthorized fraudulent inquiries are XXXX 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: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
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: 20774
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: Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48067
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: Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60193
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: Account status incorrect
Consumer Complaint: It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60193
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: This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A