Date Received: 2024-01-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46239
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Upon investigation of my credit I was sent into a spiral on panic and anxiety. I found unverified inquiries and a number of unverified accounts being wrongly reported. I find the actions of the agency questionable since it is their responsibility to ensure the accuracy of the information that they report. This is having grave effects on my life and I need it fixed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92377
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77581
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My credit report is showing a major inaccuracy and it is causing me unnecessary panic and stress. This error in reporting is affecting my day to day life and more importantly my ability to get a car, which I desperately need. The bureau really failed to make sure that they did their due diligence and did not check the accuracy of their information before reporting which is now taking the larget toll on me and my life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92832
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: my name is XXXX XXXX XXXX XXXX XXXX, on XX/XX/2023 I started disputing XXXX XXXX accounts # XXXX XXXX XXXX account # XXXX with no resolve ... According to the Fair Credit Reporting Act, XXXX XXXX and consumer reporting agencies has violated my right to Privacy. 15 USC 1681 sec 602, 15 USC 1681 sec 604 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48185
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I want to emphasize that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully urge you to prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60477
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: The situation in my credit report is causing me profound distress, and my disappointment is thorough. It's not only highly embarrassing, but it's apparent that either you or the company is responsible for reporting this inaccurate information. I have a consistent record of on-time payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XX/XX/year> my car loan was official paid off and was not reported as paid off to the credit bureaus. I did dispute with bureaus showing proof that this was paid in full and reported information by XXXX was inaccurate information, but dispute results still come back as verified and accurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08723
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90240
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A