Date Received: 2024-01-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I just got my credit report on XX/XX/XXXX and noticed some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ). They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 16811 ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. They must be blind because everything is inconsistent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
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: I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31206
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: Account status incorrect
Consumer Complaint: I've been reviewing my credit report since XXXX of XXXX and have sent many disputes in regard to the closed child support account that is affecting my credit report. The Account is closed and the child resides with me. This is a violation of 15 U.S. Code 1681e and 15 U.S. Code 1681i. They have continued to report this account as verified and correct. I have court documents that support that the account is closed and they still have ignored my request to remove the account. Under 15 U.S. Code 1681e and 15 U.S. Code 1681i this is account is in violation, it list Child support as a furnisher and this forgery and misleading and affecting my life. The courts do not report these kinds of accounts. They also report differently between Transunion and XXXX, one says closed the other states still in good standing and open when calling child support the speak rude over the phone and told me its automatic account that reports every 30 days they cant stop it. When i speak with Transunion they tell me to call child direct when i call support they tell to contact Transunion. There has been so solution between both sources. Even with supported documents which i will upload. DIVISION OF CHILD SUPPORT ( XXXX )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33511
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: I ordered my most recent consumer [ credit ] report from XXXX on XX/XX/XXXX, but once received, I became concerned regarding 5 hard inquiries, all of which without permissible purpose ( per 15 U.S.C.,1681e ( b ). Please see attached credit report and letter, as they provide evidence that Transunion has [ knowingly ] been in violation of my consumer rights per FCRA guidelines, for an extended period of time, ultimately affecting my financial health. The following are the hard inquiries in question : 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: PA
Zip: 19121
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 strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76119
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Under federal law, Consumer Reporting Agencies CAN NOT report income. These companies have willfully violated the Fair Credit Reporting Act and I have proof. I have attached a copy of the 1099-C that was filed for the following 3 accounts. [ XXXX XXXX Account Number : XXXX ] [ XXXXXXXX XXXX XXXX Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ] I demand that these agencies do what is right and delete these accounts from my reports immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18017
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: Account status incorrect
Consumer Complaint: XXXX. XXXX XXXX XXXX Potentially Negative OPENED : XX/XX/XXXX Balance : {$890.00} Balance updated : XX/XX/XXXX XXXX late, XXXX late, XXXX late, XXXX late Charge off debt ( illegal reporting ) 15 usc 1681i ( A ) ( 5 ) section 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ), section 623 ( a ) ( 2 ), section 623 ( e ) XXXX. XXXX XXXX XXXX Potentially Negative OPENED : XXXX XXXX, XXXX Balance : {$1200.00} Balance updated : XX/XX/XXXX XXXX. XXXX XXXX XXXX Potentially Negative OPENED : XX/XX/XXXX Balance : {$1500.00} Balance updated : XX/XX/XXXX XXXX late, XXXX late, XXXX late, XXXX late Charge off debt ( illegal reporting ) 15 usc 1681i ( A ) ( 5 ) section 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ), section 623 ( a ) ( 2 ), section 623 ( e ) XXXX. XXXX XXXX XXXX Potentially Negative Date opened : XXXX XXXX, XXXX Balance : {$310.00} Balance updated : XX/XX/XXXX XXXX late, XXXX late, XXXX late, XXXX late Charge off debt ( illegal reporting ) 15 usc 1681i ( A ) ( 5 ) section 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ), section 623 ( a ) ( 2 ), section 623 ( e ) XXXX. XXXX XXXX Account # XXXX XXXX Potentially Negative Balance : {$930.00} Balance updated : XX/XX/XXXX Opened : XX/XX/XXXX XX/XX/XXXX 30 day late, XX/XX/XXXX 30 day late ( Duplicate Reporting 30 day late Violation ) XX/XX/XXXX 60 day late, XX/XX/XXXX 90 day late, XX/XX/XXXX 120 day late, XX/XX/XXXX 150 day late, XX/XX/XXXX 180 day late. ( INACCURATE INFORMATION/ INCOMPLETE/ NOT VALID ) Charge off dates are not within compliance. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX Potentially Negative Balance : {$500.00} Balance updated : XX/XX/XXXX Open XX/XX/XXXX Closed Payment history is not applicable/ NOT accurate/ not valid/ Unverifiable Payment history is in violation that need to be update immediately Charge off debt ( illegal reporting ) 15 usc 1681i ( A ) ( 5 ) section 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ), section 623 ( a ) ( 2 ), section 623 ( e ) XXXX. XXXX XXXX XXXX XXXX XXXX Potentially Negative Balance : {$1800.00} Balance updated : XX/XX/XXXX Opened : XX/XX/XXXX Charge off XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX is a violation under 15 usc 1681i ( A ) ( 5 ). Section 623 ( a ) ( 1 ) ( c ) and ( A ) ( 1 ) ( C ). I have the right to privacy and to dispute items that are violating my rights. XXXX. XXXX XXXX ACCOUNT # XXXX XXXX Potentially Negative Balance : {$2100.00} Balance updated : XX/XX/XXXX I was never 180 days late. This account is violating my creditworthiness and this company is violating 15 usc 1681i section 623 ( A ) ( 5 ). Charge off is within question./ Why is this account reporting charge off? This account is not accurate or 100 % valid. 30 day late, 60 day late and XXXX negative information reporting charges off and that is impossible. XXXX. XXXX ACCOUNT XXXX XXXX XXXX Potentially Negative Balance : N/A Balance updated : N/A DATE OPENED : XX/XX/XXXX LATE PAYMENT XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Charge off, XX/XX/XXXX charge off. XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX Potentially Negative Opened Date : XX/XX/XXXX XX/XX/XXXX XXXX late, XX/XX/XXXX XXXX late, XX/XX/XXXX COLLECTION, XX/XX/XXXX CHARGE OFF VIOLATION : impossible for account to be collection and charged off. 15 usc 1692g ( 7 ) ( D ) ( K ) ( 8 ), 15 usc 1681i ( e ) ( a ) I was never late. Billing error unverifiable information/ Incomplete XXXX. XXXX XXXX XXXX ACCOUNT # XXXX Original XXXX XXXX XXXX XXXX Balance updated XX/XX/XXXX DATE OPENED : XXXX XXXX, XXXX Debt Buyer 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 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 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: NY
Zip: 139XX
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
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: ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 of 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: TX
Zip: 770XX
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: Account status incorrect
Consumer Complaint: XXXX. XXXX XXXX XXXX Potentially Negative OPENED : XX/XX/XXXX Balance : {$890.00} Balance updated : XX/XX/XXXX XXXX late, XXXX late, XXXX late, XXXX late Charge off debt ( illegal reporting ) 15 usc 1681i ( A ) ( 5 ) section 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ), section 623 ( a ) ( 2 ), section 623 ( e ) 2. XXXX XXXX XXXX Potentially Negative OPENED : XXXX XXXX, XXXX Balance : {$1200.00} Balance updated : XX/XX/XXXX XXXX. XXXX XXXX XXXX Potentially Negative OPENED : XX/XX/XXXX Balance : {$1500.00} Balance updated : XX/XX/XXXX XXXX late, XXXX late, XXXX late, XXXX late Charge off debt ( illegal reporting ) 15 usc 1681i ( A ) ( 5 ) section 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ), section 623 ( a ) ( 2 ), section 623 ( e ) 4. XXXX XXXX XXXX Potentially Negative Date opened : XXXX XXXX, XXXX Balance : {$310.00} Balance updated : XX/XX/XXXX XXXX late, XXXX late, XXXX late, XXXX late Charge off debt ( illegal reporting ) 15 usc 1681i ( A ) ( 5 ) section 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ), section 623 ( a ) ( 2 ), section 623 ( e ) 5. XXXX XXXX Account # XXXX XXXX Potentially Negative Balance : {$930.00} Balance updated : XX/XX/XXXX Opened : XX/XX/XXXX XX/XX/XXXX 30 day late, XX/XX/XXXX 30 day late ( Duplicate Reporting 30 day late Violation ) XX/XX/XXXX 60 day late, XX/XX/XXXX 90 day late, XX/XX/XXXX 120 day late, XX/XX/XXXX 150 day late, XX/XX/XXXX 180 day late. ( INACCURATE INFORMATION/ INCOMPLETE/ NOT VALID ) Charge off dates are not within compliance. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX Potentially Negative Balance : {$500.00} Balance updated : XX/XX/XXXX Open XX/XX/XXXX Closed Payment history is not applicable/ NOT accurate/ not valid/ Unverifiable Payment history is in violation that need to be update immediately Charge off debt ( illegal reporting ) 15 usc 1681i ( A ) ( 5 ) section 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ), section 623 ( a ) ( 2 ), section 623 ( e ) 7. XXXX XXXX XXXX XXXX XXXX Potentially Negative Balance : {$1800.00} Balance updated : XX/XX/XXXX Opened : XX/XX/XXXX Charge off XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX is a violation under 15 usc 1681i ( A ) ( 5 ). Section 623 ( a ) ( 1 ) ( c ) and ( A ) ( XXXX ) ( C ). I have the right to privacy and to dispute items that are violating my rights. XXXX. XXXX XXXX ACCOUNT # XXXX XXXX Potentially Negative Balance : {$2100.00} Balance updated : XX/XX/XXXX I was never 180 days late. This account is violating my creditworthiness and this company is violating 15 usc 1681i section 623 ( A ) ( 5 ). Charge off is within question./ Why is this account reporting charge off? This account is not accurate or 100 % valid. 30 day late, 60 day late and 22 negative information reporting charges off and that is impossible. XXXX. XXXX ACCOUNT XXXX XXXX XXXX Potentially Negative Balance : N/A Balance updated : N/A DATE OPENED : XX/XX/XXXX LATE PAYMENT XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Charge off, XX/XX/XXXX charge off. XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX Potentially Negative Opened Date : XX/XX/XXXX XX/XX/XXXX XXXX late, XX/XX/XXXX XXXX late, XX/XX/XXXX COLLECTION, XX/XX/XXXX CHARGE OFF VIOLATION : impossible for account to be collection and charged off. 15 usc 1692g ( 7 ) ( D ) ( K ) ( 8 ), 15 usc 1681i ( e ) ( a ) I was never late. Billing error unverifiable information/ Incomplete 11.. XXXX XXXX XXXX ACCOUNT # XXXX Original creditorXXXX XXXX XXXX XXXX Balance updated XX/XX/XXXX DATE OPENED : XXXX XXXX, XXXX Debt Buyer 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 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 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: NY
Zip: 139XX
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: I am a victim of identity theft please remove this fraud inquiry from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63136
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A