Date Received: 2024-01-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: THIS IS REALLY FRUSTRATING ME!! This claim of inquiry is as of yet without testimonial physical confirmation of adequately lawfully achieved permissible purpose from anyone adequately identified as EXACTLY me and or from anyone authorized to yield permissible purpose for me. It is my belief that it can not and or will not be certificated, as requisite by federal laws, with PHYSICAL DOCUMENT EVIDENCE that any such accusation of attempted or achieved application for credit or otherwise was made by me, with my knowledge, and or with my consent or that of anyone authorized to do so for me. It is my consumer rights to do so, and I am now and here in composition executing the rights to forcibly compel you to factually demonstrate every and one even each any and all of the mandated and or provided proofs that indeed I or my authorized agent truly, accurately, timely, and compliantly consented to this inquiry. I do so in light of at least the federal laws including the XXXX enacted Metro-2 compliance regulations, FCRA Section 609, FCRA Section 605, in accordance to FCRA 1681 ( b ) ( e ) as well as the accuracy of this inquiry via FCRA Section 623.As you know, allegations due to subterfuge is illegal and unauthorized. DELETE TODAY, even right NOW and right HERE SINCE YOU CAN NOT or WILL NOT be able to present Verified Validating Evidence by physically giving the certificate of the TRUTH, ACCURACY, COMPLETENESS, and or COMPLIANCE within the OBLIGATORY FEDERALLY DEFINED TIMELY manner to every and one even each any and or all of the aspects or articles of this claim including but NOT limited to all notations, dates, identities, the 426 character P6 statement ( s ), minimal five ( 5 ) portioned Personal Identifiers,386 pieces of Confirmation, any and one Alpha-/ Numeric-/ and or Alphanumeric Source Code ( s ), whether mentioned or not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10032
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I rented a unit at XXXX XXXX. While installing cabinets in the unit above me. They put a screw into a pipe that leaked down into my unit ruining the carpet. They never replaced the carpet When moving out, they tried to charge me for the carpet, and I refuse to pay. I emailed you all the evidence and action was taken removing the bill submitted by XXXX XXXX XXXX Now the exact same bill is up again under a different name XXXX XXXX After all my work and spending XXXX dollars to make copies and email everything to you what good does it do if these people resubmit under a different name
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28401
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: 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. I have asked these companies not to display my date of birth, social security number and to display my correct name and address multiple times. And I have blatantly ignored and disregarded each time. I told XXXX, Transunion, and XXXX to reinvestigate these accounts as they are alleged : Account name : # XXXX XXXX. XXXX, Account name : # XXXX XXXX # XXXX, Account name : # XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX Account XXXX XXXX # XXXX Account Name XXXX XXXX # XXXX Account Name XXXX XXXX XXXX Account Name XXXX XXXX # XXXX, Account Name XXXX XXXX XXXX... However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, payment history, balance, and much more are incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts by deletion that are violating my rights. that isn't reporting correctly. 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 an 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 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. 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. Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case CERTIFIED MAIL RETURN RECEIPT REQUESTED [ Tracking No. ] XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Credit Report Disputes XXXX, GA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation by the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. With certified letters stating that you are 100 % sure that the information being reported by you that is 100 % true and accurate, the method that you used, whom supplied the information etc The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit of truth swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law nor submit to me within 5 days the certified process in which you verified such information and the Court will order you to delete them. You say that you have reinvestigated these accounts but you've admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to ..promptly DELETE all information that can not be verified. '' | request that you do this immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA for an allotted amount of each error of $ XXXX I demand that you delete all of the accounts listed above immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. your non-compliance with the appropriate regulatory authorities. Due to these issues on my report, I am having a hard time providing for my children! I'm unable to get a home. I'm unable to secure a loan for school to better my career due to these discrepancies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48224
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: Information belongs to someone else
Consumer Complaint: Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30038
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: Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38128
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: 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: FL
Zip: 34759
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: 2024-01-24
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39206
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Re : Violation of Federally Protected Rights to Privacy and Request for Account Deletion Dear Transunion, I received your response to my initial dispute with what I believe is a stall letter, an illegal practice. These letters have been logged with the CFPB. I am who I say I am and have submitted proof of identification address with my first dispute letters. I am sending clear proof once again of who I say I am and you WILL follow my instructions in regards to the handling of my personal information and data that you are furnishing incorrectly on my report. I will be suing our company for negligence and non willful compliance for the maximum allowable by law under 15 USC 1692k. I am writing in regards to several violations made by your company in relation to my consumer report. Your company has broken the law and violated my federally protected consumer rights. I under oath to God depose the following facts : Fact : Transunion does not have permissible purpose according to 15 USC 1681b ( a ) and has violated my federally protected rights. Fact : Transunion has violated my rights under 15 USC 1681d- Disclosure of investigative reports and has not given any explanation or proof as to why the disputed items remain on my report. This company has claimed to have completed investigations but has not reached out to any person and has not spoken to ANY INDIVIDUAL OR COMPANY regarding the validity of the data on my reports. THIS IS ILLEGAL! ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; Fact : Transunion has violated my rights under 15 USC 1681C-2 ( a ) by not respecting my initial requests to block information after submission and proof of identity theft on XX/XX/XXXXXXXX XXXX XXXX Fact : Transunion has violated my rights as a United States consumer and my RIGHT TO RESCIND under 15 USC 1681C-2 ( c ) the accounts listed below from XX/XX/XXXX XXXX XXXX Transunion has not investigated anything on my report and has not provided any proof of correspondence with any creditor or bank regarding my account as is the LAW. I have requested this information six times since XX/XX/XXXX. This has been documented by the CFPB. It is my right and I am now DEMANDING that the items below be removed from my report. Transunion has also violated my right to privacy and has blatantly lied about researching and confirming data furnished on my credit report. Because of these violations I am reporting this bureau to the CFPB, the FTC, and to congress. You have not withheld your grave responsibility to protect my consumer information as is your job as outlined by the governing bodies in the United States of America. I demand that you remove the following accounts from my report and provide proof of their removal IMMEDIATELY. 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: CT
Zip: 06511
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Please see attached documentation to meet demands in a timely fashion. PLEASE DO NOT SEND ME A LETTER VIA MAIL SAYING YOU DO NOT RECOGNIZE OR DO NOT THINK THAT IT IS INDEED MYSELF, XXXX XXXX XXXX AND YOU CANCEL THE COMPLAINT!!!!! I HAVE SUBMITTED MY ID AND MY SOCIAL SECURITY CARD AS VERIFICATION THAT I, XXXX XXXX XXXX, AM SUBMITTING THIS ALONE WITHOUT ANY THIRD PARTIES OR INFLUENCE!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A