Date Received: 2024-01-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and Transunion are consumer reporting agencies and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) the financial institution and the Consumer reporting agencies. XXXX, XXXX, and Transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and Trans union, ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal , written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( ( XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Transunion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 200XX
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 writing to formally express my dissatisfaction and file a complaint regarding the recent attempt to remove fraudulent items from my account. I believe that the process undertaken to rectify the situation has been unsatisfactory and warrants further attention. I discovered unauthorized and fraudulent transactions on my [ credit card/bank statement/account ] issued by your institution. Immediately, I contacted your customer service department to report the fraudulent activities and requested assistance in removing these unauthorized charges. While I appreciate the initial responsiveness of your customer service representatives, the subsequent actions taken to address the issue have been inadequate. I expected a swift and effective resolution, but the process has been marred by incomplete information. Additionally, I am concerned about the lack of transparency in the communication throughout this ordeal. Timely updates and clear information regarding the steps being taken to rectify the situation would have greatly alleviated my XXXX. Unfortunately, the information provided has been insufficient, leaving me in the dark about the progress of the investigation. I am requesting a thorough review of the handling of my case and a comprehensive explanation of the steps taken to address the fraudulent transactions. Furthermore, I insist on a detailed plan outlining how your institution intends to prevent such incidents in the future. As a customer, I expect and deserve a higher standard of service, especially when dealing with issues as critical as fraudulent activities on my account. I trust that you will treat this matter with the urgency it deserves and take the necessary steps to rectify the situation promptly. If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove this charge off account : XXXX XXXX XXXX XXXX Balance : {$0.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85339
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: The payments that are being reported on my credit profile violate my consumer rights under FCRAconsumer law 15 USC 166B. As a long-time customer that has had an exceptional payment history with XXXX, I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 270XX
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: By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXXXXXX Balance : {$1900.00}
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: Account information incorrect
Consumer Complaint: After speaking with XXXX XXXX customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customer 's consumer rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 270XX
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 reaching out to follow up on my previous complaint, dated XX/XX/XXXX, regarding the inaccurate addresses listed on my credit report. I am seeking an update on the status of the removal of these addresses, as outlined in my previous communication. As a reminder, FCRA Section 605b mandates Credit Reporting Agencies to promptly remove any items identified on an identity theft report, in my case under reference number # XXXX. The addresses in question that I wish to have removed from my credit report per bureau are as follows : -- -- -- -- -- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX, NY XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10031
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: Investigation took more than 30 days
Consumer Complaint: Dear everyone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WRONG PAYMENT HISTORY WRONG DATE OF LAST PAYMENT RECEIVE WRONG COMMENT ON TRANSUNION SUPPOSE TO BE THE SAME AS XXXX ASKED FOR PAY DOCUMENTS & they sent charges TO THE ACCOUNT NOT MY PAYMENT SUCH AS BANK NAME OR ROUTING. This is a violation THIS ACCOUNT HAS BEEN RE-AGED 2 different DATES THIS ACCOUNT SAYS I HAVE A MONTHLY PAYMENT ON XXXX BUT NOTHING ON Trans union WRONG CREDIT LIMITS ON BOTH CREDIT BUREAUS Payment history is invalid or incorrect/ inaccurate. XXXX XXXX XXXX XXXX XXXX is reporting inaccurate on my credit report 90 days on transunion & 60 days on XXXX different worst payment different last reported & different last payment. No account type. Im sorry but this account inactive doesnt want to update please delete this account for frca rights XXXX XXXX XXXX 90 DAYS LATE ON TU & 60 DAYS LATE ON XXXX THIS ACCOUNT IS INACCURATE COMMENTS ARE WRONG ON TU & NO ACCOUNT TYPE ON XXXX BUT TU HAS IT & I ASKED FOR last PAYMENT & THEY SENT ME CHARGES NOT MY BANK INFORMATION OR ROUTE NUMBER DEBT NUMBER SOMETHING NOT NO CHARGES BUT THIS ACCOUNT CONNOT BE VERIFIED Please delete both account due to incorrect inactivity inaccurate information I just want these accounts deleted
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49022
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'm a victim of identity theft. My XXXX XXXX XXXX Report number is XXXX. Certified dispute letters were sent to XXXX, Transunion and XXXX frequently since XX/XX/XXXX. XXXX responded to my dispute letters by removing the accounts with XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX I've disputed the following accounts with Transunion and XXXX on my consumer reports : XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX . I will enclose copies of my consumer reports to prove they failed to report the accounts as disputed within 30 days according to the FCRA. I have contacted Transunion and XXXX on numerous occasions to dispute and request removal of the accounts due to the creditors/credit bureaus violating the FCRA Section 623 by Re-Aging the accounts reporting inaccurately, date of last activity reporting inaccurately, collection agency 's failed to report disputed debt, credit bureaus have stated that the accounts are valid, but they failed to provide a method of validation and continued to report inaccurate information, credit bureaus failed to correct information after being provided proof of inaccuracy. I have provided copies of my credit reports proving creditors failed to report the accounts as disputed to Transunion and XXXX. I sent copies of certified dispute letters and I also attached the copies to previous Consumer Financial Protection Bureau complaints. Transunion and XXXX continues to report inaccurate information and have refused to remove the inaccurate information from my consumer report. On Transunion report, XXXX date of last activity is inaccurate, payment history is reporting inaccurately and the account has not been reported as disputed. Transunion and XXXX are reporting date of last activity on the account with XXXX XXXX, and the account has missing account history. XXXX the date of last activity and payment history history is reporting inaccurately, XXXX XXXX date of last activity, payment history, times and days late status is reporting inaccurately. The account has not been reported as disputed. The account with XXXX has been Re-aged and the payment history is missing on the Transunion report. The account with XXXX has not been reported as disputed. Although there has been several re-investigations, Transunion and XXXX continues reporting inaccurate information on my consumer reports On XX/XX/XXXX I mailed certified letters to Transunion, the representative refused to sign for the letters and I received no response. I sent a certified letter requesting XXXX to update my personal information. XXXX is reporting inaccurate variations of my name and addresses after I have provided a copy of my drivers license and a bill. Transunion and XXXX have failed to consistently respond within 30 days via postal service. My last hard copy of the investigation results from XXXX was XX/XX/XXXX. I have consistently been contacting XXXX since XXXX. I am keeping a careful record of my interactions with Transunion and XXXX. My rights have continuously been violated. My credit score is being effected. I'm being forced to pay high interest rates because Transunion and XXXX have failed to comply with the law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32301
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 need resolving a complaint with the credit reporting agency. I am submitting this complaint after reviewing a copy of my credit report. I noticed that there are some fraudulent inquiries listed on my credit report. I have attempted to resolve this matter with the credit reporting agency but they have been negligent in complying with my request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90047
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 need resolving a complaint with the credit reporting agency. I am submitting this complaint after reviewing a copy of my credit report. I noticed that there are some fraudulent inquiries listed on my credit report. I have attempted to resolve this matter with the credit reporting agency but they have been negligent in complying with my request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A