Date Received: 2024-01-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: As of XX/XX/XXXX, I have been attempting to get Trans Union to remove a fraudulent inquiry from my credit report. Despite sending multiple letters to Trans Union and XXXX acknowledging the inquiry 's fraudulent nature, as of today, XX/XX/XXXX, Trans Union has still refused to remove it. I have sent approximately three letters requesting the removal, along with evidence from XXXX, and XXXX has also contacted them to request masking the fraudulent inquiry. However, Trans Union 's continued refusal has resulted in an inaccurate credit report, as none of the other credit companies have listed this fraudulent inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19464
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
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: CA
Zip: 92102
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: I have never used this account, consistently ensuring timely payments. I'm uncertain why there are reports of late payment remarks on my accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60115
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: 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: IL
Zip: 60612
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: Problem with personal statement of dispute
Consumer Complaint: URGENT LEGAL NOTICE : Initiation of Arbitration Proceedings for Breach of FCRA, FDCPA, and FCBA Inaccurate Credit Reporting by XXXX XXXX XXXX Dear Sir/Madam , My name is XXXX XXXX , I am writing to formally demand corrective action for my consumer rights which have been violated by XXXX XXXX XXXX . I demand arbitration regarding the inaccurate credit reporting by XXXX XXXX XXXXXXXX on my account. The inaccurate reporting has negatively affected my credit score, and I seek proper rectification and compensation. In terms of the Fair Credit Reporting Act, all fraudulent, inaccurate, and unverified information must be removed from a creditors Credit Report history. XXXX XXXX XXXXXXXX has breached this Act by misrepresenting my credit information to Credit Bureaus, they have discriminated against me on various factors, breaching the Equal Credit Opportunity Act. They have violated my rights protected by the Fair Credit Billing Act and invaded my personal privacy causing me extreme emotional distress, and violating my rights protected by the Privacy Act of XXXX Despite previous communication and attempts to resolve this matter amicably, I have failed to see any resolution. My situation is of utmost concern, my ex-boyfriend poses a serious XXXX to me and my children due to XXXX XXXX. It is essential to highlight the financial implications stemming from this distressing circumstance. The ongoing abuse has led me to seek XXXX and attend XXXX classes for the immense fear I have for the safety of me and my children. In a bid to escape the XXXX XXXX XXXX XXXX XXXX I had to resort to staying in hotels on several occasions incurring a substantial monthly expense of {$3000.00}. I have now depleted my resources, leaving me financially incapacitated and unable to relocate whilst my ex-boyfriend remains in close-proximity, and constantly threatens me. This affects my ability to provide a save living environment for me and my children, whose safety is my primary concern. The inaccurate credit reporting by XXXX XXXX XXXXXXXX is compounding the difficulties that I am experiencing in securing a safe living environment for me and my children. List of issues with XXXXnaccurate Credit Reporting that XXXX XXXX XXXXXXXX has wrongly reported against me : 1. Flagged 30 days past due XXXX XXXX XXXX XXXX. Decrease of XXXX points in Credit Score XXXX XXXX XXXX XXXX. Flagged 60 days past due XX/XX/XXXX 4. Closure of Credit Line XX/XX/XXXX XXXX. Reported Closure XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX. Flagged 30 days late XX/XX/XXXX 7. Flagged 60-90 days late Multiple dates between XX/XX/XXXX and XX/XX/XXXX XXXX. Multiple Credit Score drops - Various dates 9. Opening a new account without authorization XX/XX/XXXX As per the terms of the agreement I signed with XXXX XXXX XXXXXXXX, I am invoking my right to arbitration. I kindly request that you : 1. Conduct a thorough investigation of my account to rectify the erroneous reporting. 2. Remove all inaccurate and unverified information from my Credit Record and represent it accurately, thereby restoring my credit score. 3. That all previous payments that were made by me be credited. 4. Provide written confirmation of the corrections made to my credit report. 5. All fraudulent credit transactions to be removed from my Credit Record, and rectification of my misrepresented credit information to relevant credit bureaus. 6. Compensate me for any financial damages and emotional distress caused due to the inaccurate credit reporting. These demands are made pursuant with various laws and statutes such as : 1. Section 611 ( 5 ) ( b ) ( i ) of the Fair Credit Reporting Act, which states that after a consumer disputes information, if any item is deemed inaccurate or unverifiable during the reinvestigation then the consumer reporting agency must delete or modify the specific information. This action aligns with the treatment of inaccurate or unverifiable information as outlined in paragraph ( 1 ) of the Act. Section 623 ( a ) of this Act outlines the responsibilities of creditors to provide accurate information and correct any inaccuracies. Section 623 ( b ) addresses investigation of inaccurate information by furnishers after receiving notice of a dispute from a consumer. 2. Section 623 of the Fair Credit Billing Act specifically addresses the requirements for the accuracies and integrity of information furnished to consumer reporting agencies. Section 623 ( a ) of the Act outlines the responsibilities of creditors to provide accurate information and correct any inaccuracies. 3. 15 U.S.C Section 1666 ( b ) ( 4 ), which outlines that if the creditor fails to promptly reflect a payment made by the obligator it will be considered a billing error, and rectification thereof is required. 4. Section 202.4 of the Equal Credit Opportunity Act which prohibits creditors from discriminating against applicants on the basis of certain characteristics such as race, color, religion, national origin, sex, marital status, etc. 5. Section 807 ( 2 ) ( A ) of the Fair Debt Collection Practices Act outlines the prohibited practices for debt collectors, and this subsection specifically states that the false representation of the character amount or the legal status of any debt is a violation of the Act and constitutes false or misleading representations. 6. The Fair Debt Collection Practices Act focuses on regulating the behavior of creditors rather than explicitly outlining the responsibilities of debtors, however, debtors do have certain rights and responsibilities under this Act. The right to dispute the validity of a debt if they believe the amount is inaccurate. The right to request verification of a debt from the creditor and upon receiving a written request within 30 days of initial contact they are obligated to provide information validating the debt. If you do not respond within 03 days of this letters receipt and adequately to these demands, I am prepared to pursue legal remedies to protect my rights. This may include but is not limited to initiating legal proceedings, seeking damages, or involving regulatory authorities. I believe that a prompt and fair resolution to this matter is in the best interest of all parties involved. Failure to respond to this demand within the stipulated timeframe will leave me with no alternative but to take the necessary legal action to protect my rights. It is not my desire under no circumstances, and at no time during the Term or at any time to disparage, denigrate, slander, or defame you or the XXXX XXXX XXXX business, services, properties or assets, or its employees, staff, agents, or representatives. However, I am prepared to take these necessary measures to reach a resolution that makes me whole. I am giving you the opportunity to make this right, or your surety bond will do so on your behalf, but not without detrimental consequences. Govern yourselves accordingly and do the right thing. Should you fail to address these issues or neglect to engage in the arbitration process, I may have no choice but to initiate legal proceedings. I look forward to your response within the specified time frame. following items illegal consumer credit transactions I demand immediate removal AKA all late payments : I also demand immediate removal from all of these companies as they were given the allotted time over 6 months to validate and produce wet signature docs and they have failed. I also request current and future blocking from all creditors ' reporting. XXXX XXXX XXXXXXXX account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX E-mail : XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48228
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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Discovering late payments on my account is entirely unjust, particularly when considering my consistent history of timely payments. I insist on the immediate correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account truthfully reflects my history of on-time payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07002
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: These accounts that I am sending you are to be deleted since they are not mine. 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 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: NY
Zip: 11364
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: The credit bureaus keep disrespecting the laws. I showed them multiple times of how they're violating the Fair Credit Reporting Act. The accounts I have listed below are causing harm to my credit report. According to 15 USC 1681i ( 5 ) The credit bureaus said everything was complete and accurate and I asked them if they can provide me with the proof of paperwork and they have not done that. These listed accounts found in section of Closed Accounts & Collections are listed as follows. Account : XXXX XXXX Bank account # XXXX ( Closed Account ) Account : XXXX XXXX account # XXXX ( Closed Account ) Account : XXXX account XXXX XXXX ( Closed Account ) Account : XXXX XXXX account # XXXX XXXX Closed Account ) Account : XXXX XXXX XXXX account XXXX XXXX ( Closed Account ) Account : XXXX. XXXX XXXX account # XXXX ( Collection account ) Account : XXXX XXXX XXXX account # XXXX ( Collection account ) Then I asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) and they never did. Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. This is violation after violation after violation. This is causing me stress because I have no hope with this system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93536
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: 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: CA
Zip: 94501
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A