Date Received: 2024-01-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01453
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 disputed and nothing happed I filed complaint through you guys and nothing has happened My original omplaint This is my third time requesting the below items be removed or proof that they are mine be provided. These are not my accounts and I have filed a police report due to my wallet being stolen in XXXX and then all of this shows up a year or so later. XXXX XXXX {$680.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXXXXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XXXX XXXX, XXXX XXXX Closed on XX/XX/XXXXXXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX I contacted each company and they couldnt provide any information and when I gave my address social they either couldnt verify me or had no record. My Identity Theft Report reference number is XXXX and my police report number is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 421XX
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 disputed the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX And nothing happens. No deletions no responses nothing Then I submitted a complaint with you guys requesting items be deleted within four days or proof investigation showed they were mine which I know it couldnt have because they are not I submitted police report number identity theft report number etc and nothing happened accept XXXX got deleted off XXXX and trans union and XXXX got deleted off trans union
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33162
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. XXXX XXXX XXXX Balance : {$430.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94530
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: Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77088
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 am a victim of identity theft please remove this fraud inquiry from 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: 76549
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: 2024-01-27
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 express my frustration and disappointment with the repeated attempts to correct late open accounts and the removal of inaccurately reported entries, including late closed accounts, charge-offs, public records, and accounts included in bankruptcy, on my credit report. Despite my persistent efforts to rectify these issues, they persist, causing significant harm to my creditworthiness and financial well-being. I am filing this formal complaint to seek urgent attention to these matters and to request immediate corrective action. I have previously disputed these entries on multiple occasions, providing comprehensive documentation supporting my claim that these entries are inaccurate and damaging to my credit history. Despite my ongoing efforts and the legal obligation for accurate and fair credit reporting, these entries persist on my credit report. I wish to emphasize that the Fair Credit Reporting Act ( FCRA ) mandates credit reporting agencies to conduct a timely and thorough investigation into consumer disputes. It is concerning that an extended period has passed without a satisfactory resolution, and the adverse impact on my credit continues to escalate. In light of the severity of the situation, I request the following actions : Conduct a comprehensive and immediate investigation into the accuracy of the late open accounts, late closed accounts, charge-offs, public records, and accounts included in bankruptcy, in accordance with the FCRA guidelines XXXX Provide a detailed response outlining the results of your investigation, including the actions taken to correct the inaccuracies and the expected timeline for resolution. Promptly remove the inaccurately reported entries from my credit report, as required by law, if they are found to be inaccurately reported or unverifiable. Furnish me with a written report of the results of your investigation, a copy of my updated credit report reflecting the removal of these entries, and a written explanation for any entries that were not corrected or removed. I understand the critical role that accurate credit reporting plays in financial stability and access to essential services. I trust that you will treat this matter with the urgency and seriousness it deserves to ensure fair and accurate reporting of my credit information. Please acknowledge receipt of this complaint within 30 days of your receipt of this letter. I am asking for your assistance to correct these late open accounts and remove the Late Closed, Charge Off, Accounts Included in Bankruptcy and Public Record : XXXX XXXX Balance : {$100.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 2. XXXX XXXX Balance Owed : {$100.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 3. XXXX XXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 4. XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 5. XXXX XXXX Balance : {$700.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 6. XXXX XXXX XXXX Balance Owed : {$0.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 7. XXXX XXXX XXXX Balance {$560.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 8. XXXX XXXX Bankruptcy Discharged XXXX XX/XX/2018 - I did not file a XXXX XXXX bankruptcy with the courts. When I spoke with the court clerk that did not have records. Please provide the contact information of the 3rd party data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85037
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: 2024-01-26
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have a FTC IDENTITY THEFT REPORT. I submitted, with an explanation that I could also provide more proof of my situation. my credit reports are reporting differently, and either my information is still not corrected and they are reporting the same old information.requiring me to pay for my information I'm still going through the same process as they send to me to be able to fix the problems, and nothing is fixed.they don't remove what needs to be removed.using my maiden name which I did not use for the information they have in the reports.I in data breaches, data leaks, darkweb and being hacked. This started with the first data breach XXXX in XXXX, and has not stopped XXXX sent me to XXXX I have never known of them until recently after I sent in my XXXX report. The fraud is attached to my maiden name, I have been married for 29 years. There's fraudulent activities going on of which my email address is being used so I may not be receiving the communications because it is being rerouted and when I send its not sent to whom I sending it to.This is got to be more than one person, and in high official offices that know about this.This is not just affecting my credit, it's designed to destroy my life.Im being slandered, defamed, personal information sold, changed used to fit their narrative for financial gain, and to escape public ridicule for what they have done to not only me, XXXX knows how many people to keep us in poverty and control over peoples lives.IM FIGHTING FOR LIFE AND OTHERS THAT ARE VICTIMS OF THE GOVERNMENTAND INSTITUTIONS THAT HAVE OFFICIAL RANKINGS OVER PEOPLES PERSONAL INFORMATION THAT ARE TAKING ADVANTAGE OF THEIR POSITIONS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29651
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: I found 3 hard inquiries under my Transunion account profile from XXXX XXXX- I hadnt applied for anything- so HUGE red flag! I called Transunion quite a few times to notify them of the fraudulent activity to have them removed immediately- they directed me to call XXXX XXXX I called XXXX XXXX where they sent me an affidavit to sign and have the inquiries removed! Since then my entire credit report has refreshed and the inquiries are STILL THERE!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30016
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADXXXX COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed XXXX ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX : INQUIRIES : XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX Inquiry Date XX/XX/2022 .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A