Date Received: 2024-02-14
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 considerable distress. I respectfully request that you 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 valued.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76021
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33125
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Please see attached docuASFments. Do not close this complaint stating it is not me. I am a natural person and a consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21214
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Please see attached docuasfments. Do not close this complaint stating it is not me. I am a natural pasferson and a consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60707
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: The Reporting agencies did not comply and did not verify any Permissible Purpose, UNDER 15 USC CODE 1681. **RE : IDENTITY THEFT COMPLAINT - OPT-OUT VIOLATION AND UNAUTHORIZED FURNISHING** XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX Account Number XXXX '' XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Dear TransUnion, XXXX, and XXXX, I am writing to file a formal complaint against your agencies for violations related to identity theft and non-compliance with the Fair Credit Reporting Act ( FCRA ) in connection with accounts furnished by XXXX XXXX and XXXX. **Incident Details : ** 1. **Opt-Out Notice : ** On XXXX XXXX XXXX I submitted an Opt-Out letters to XXXX XXXX XXXX XXXX, clearly rescinding all verbal and non-verbal written consent to furnish my consumer information on my credit report. These notices were in accordance with the provisions of 15 U.S. Code 6802. 2. **Identity Theft : ** XXXX XXXX XXXX XXXX XXXX despite receiving my legal notice, willfully ignored my instructions and proceeded to sell the account to XXXXXXXX XXXX and XXXX for collections. This action constitutes identity theft under 15 U.S. Code 1681, as they continued to furnish information without permissible purpose. XXXX. **Failure to Block Information : ** XXXX XXXX and XXXX XXXX TransUnion XXXX XXXX XXXX and XXXX violated 15 U.S. Code 1681c2 by failing to block the reporting of information that resulted from the alleged identity theft, within the stipulated time frame. **Legal Violations : ** 1. **15 U.S. Code 6802 - Obligations with respect to disclosures of personal information : ** - XXXX XXXX and XXXX failed to comply with my Opt-Out notice, resulting in unauthorized furnishing of my information. 2. **15 U.S. Code 1681 - Identity Theft : ** - XXXX XXXX and XXXX engaged in identity theft by willfully ignoring my legal notice and selling the account for collections. 3. **15 U.S. Code 1681c2 - Block of information resulting from identity theft : ** - XXXX XXXX and XXXX XXXX TransUnion XXXX XXXX XXXX and XXXX failed to block information identified as resulting from alleged identity theft within the mandated time frame. **Requested Actions : ** 1. **Immediate Removal : ** I request the immediate removal of the accounts related to the identity theft from my credit reports by TransUnion XXXX XXXX XXXX and XXXX. 2. **Investigation : ** I urge your agencies to conduct a thorough investigation into the actions of XXXXXXXX XXXX and XXXX XXXX and your respective roles to determine the extent of identity theft and FCRA violations. 3. **Penalties : ** If the investigation confirms identity theft and FCRA violations, I request the imposition of appropriate penalties against XXXX XXXX and XXXX XXXX TransUnion XXXX XXXX XXXX and XXXX to ensure accountability and deter similar actions in the future. 4. **Compensatory Damages : ** In lieu of immediate removal, I request compensatory damages of {$1000.00} for every day that the account has been on my credit report, as allowed by law. I have attached supporting documentation, including the Opt-Out notice, evidence of XXXX XXXX and XXXXXXXX XXXX non-compliance, and communications related to the sale of the account. I appreciate your prompt attention to this matter and look forward to a resolution that upholds consumer rights and holds the responsible entities accountable. Sincerely, XXXX XXXX Enclosures : FTC IDENTITY THEFT REPORT PROOF OF ID NOTICES OF XX/XX/XXXX OPT-OUT LETTERS NOTICE TO FURNISHERS OF INFORMATION UNDER THE FCRA
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80012
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 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: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I asked transunion to investigate a derogatory remark off my credit report. They have not provided me with my debt validation as required by law. Nor have they took off the wrong information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 989XX
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20152
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/2023 a hard inquiry from XXXX was added to my credit report. I do not recognize or have any knowledge of this creditor. I would like the hard inquiry removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57106
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A