Date Received: 2024-01-24
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. Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: GA
Zip: 303XX
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: I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year>, XX/XX/year> Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11225
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: On XX/XX/XXXX and XX/XX/XXXX I mailed over to TransUnion a request to investigate late payments they are currently reporting on my credit report for 2 different accounts. I've provided receipts and transaction history that proves I was never late on any payments. Each time that I received an update from TransUnion, it would just update the months they are claiming I was late on the account. Basically moving late payments around from month to month. For example it would go from XXXX being late and XXXX being current to XXXX being late and XXXX current. It would be a constant back and forth with moving dates around which is inaccurate. I would also receive stall tactics from TransUnion, one advising that my address couldn't be updated to later receiving mail at my current address that I was attempting to update. When requesting to verify the information they've received from the creditor, I wouldn't receive any documentation other than it's been verified but my receipts are showing something completely different. I've sent in proof twice already and nothing has been updated/corrected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89118
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28269
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: Received unsolicited financial product or insurance offers after opting out
Consumer Complaint: Nowhere in the consumer law shows where it is okay to transfer or sale my personal information to another company without my written Consent, permission and authorization even when it comes to my student loans. I was on a program with federal student loan where my loan would have been forgiven this year due to my income. They broke a contract an sold my information to another company. 15 U.S. Code 1681b - Permissible purposes of consumer reports
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76117
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: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: XXXX is still reporting on my credit report for over 7 years
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29440
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: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: XXXX XXXX ftc identity theft and affidavit notarized for report being completed. XX/XX/XXXX mailed 5 credit cards and 3 reporting agencies a letter I downloaded from FTC website after logging into my dashboard where I previously made report. Letter # 1 clearly stated that I was a victim of Identity theft, and that my account should reflect this fact by removing any information related to this theft. Yet no action from 5 credit cards and 3 consumer reporting agencies have followed these lawful regulations. All accounts which charge off info, which is 100 % related to identity theft are still reflecting on every account, and on top this, when I call multiple times to every complain and send many letters by mail, there is always some reason they cant take it off. Or we will dispute it, then wait 30 days and dispute it again, changing my approach hoping for a better outcome. Ive repeatedly made calls, constantly being disconnected, which is another unfair practice Ive already covered. What a time waster these disconnected calls bring on. I dispute the charge off, say Im a victim of identity theft this should not be reported on this report. And I wait, yet nothing. I do further digging, come to find out, information being listed on consumer credit reports without consent is illegal. Reporting transaction history ; illegal, XXXX XXXX XXXX when asked where they got my information, said it was my bank, thats violation of privacy act XX/XX/1974 and title 15 U.S.C. 1681 FCRA. Then XX/XX/XXXX said they will send my report, I request mail and email. I got the email, saying we dont have any information on your name and SSN you reported. Then why did you respond to my question about where your company got my information from? Liars Then I got mail from XX/XX/XXXX about my opt out request. They said we dont do direct to consumer business therefore have no opt out. This is an example of language fraud. This industry of banking is rampantly committed fraud daily in its civil proceedings and the victims like me, exhaust all remedies with no recourse! A letter from a federal agency, the FTC, vouching for me supplying a letter with its logo and info, alongside affidavit and public notarization creating a certificate of sorts to comply with the administrative procedures or civil procedures has done zero for my cause of actions. I have a tarnished credit score, had to live out my car for a few months before finding a better situation, because I couldnt afford bills and being denied credit, with low score which is another violation because we the people are the original creditor pursuant to title 15 U.S.C. 1602 and its illegal to deny extending credit to consumers pursuant to title 15 U.S.C. 1691. So I started aXX/XX/XXXX because by law banks required to lend small business $ XXXX without documentation, only need XXXX and XXXX pursuant to title 12 U.S.C. 1431 and 15 USC 1611. I am struggling to survive, and I strive to use the laws in society to get by, yet these banks fraudulent actions, for their own gain, victimize me and unjustly denies the principles they should uphold. Its a small number of banks which represent massive amounts of people, and youd think making money off every single person would be enough, but no, they need to violate the laws put in place so people wouldnt suffer and have hardships that repress every action of my being. As a matter of fact, I was only looking to repair my credit, have access to maybe {$10000.00}, I could use more, but just wanted {$10000.00} to get by and live. Here I am, 4 months since my initial report hundred of phone calls and mail letters combined, and visible for the record, nothing shows any change. I havent moved my credit score up any points, still XXXX range. Countless hours researching laws, policies, regulations, statutes, state and federal, and yet no one has done a single thing except repeat we confirm verification of your information. With some more time, what did I dig up? That verification of information means you can prove I am the person that created this debt. How? Oh, you need a wet ink signature on a contact Ive signed? Youve told me 7-8 letters now you verifiably found the information true and correct. Really, can you prove this? If so, why havent you? Beyond the fact there hasnt been any verification, proof of a wet ink signature, there is more. The contracts credit cards have you sign, arent to lend money, they just want access to a credit which only my signature can provide. But wait theres more, now with the passage of Electronic signature, once your signature is provided once, now they can sign for you without permission because in the print you have given permission to use your signature when they want. This is so disturbing that these companies can take my signature, deny me credit to an account with my name on it, then take a denied application, assign any arbitrary value decided, sell it to XXXX institutions who then trade it for treasury securities and make daily interest off my signature for 30 some odd years? I am following procedure, exhausted all my remedies, these banks, reporting agencies, none of them have time for me, they have already receive my signature, I am destitute in my own country, no foreign consulate to help me out, my own government agencies who are designed to prevent this situation thats happening to me are supposedly helping me, which Im grateful they provide me letters to send out, but many times, unless its at the expense of certified mail, I have no confirmation.. I would appreciate some consideration and have included an advance settlement notice for only one company so far, XXXX, which really annoys me about customer service suspicion activity reporting and constant phone disconnections waste of time. I have reports of FDCPA VIOLATIONS, which amount to way more than Ive ever had credit to my entire life all because authoritarian rules, tyrannical procedures to deny assistance has provoked all efforts to find a remedy. I have never imagined a life of such poor conditions, only to find out I am being violated and used by the system unjustly. This situation really adds precedent to the digital signs I see on freeway about reporting XXXX XXXX I have exhausted any and all attempts Ive been requested by protection agencies and now need assistance for relief because I do not see one action as of yet after 4 months for all my efforts to comply with administrative procedures
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 974XX
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: XXXX has stolen money submitted unilaterally that I sent on XX/XX/year> for XXXX. The payment made included statement saying it was for my rent so unsure why they went ahead and cashed it. I tried calling they hang up. They also have made false statements such as incorrect amounts on past bills and added fees they have not previously mentioned. They have stolen from me and I demand this company investigated properly and provide me with additional information as to when I will be getting my rent money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90804
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 information incorrect
Consumer Complaint: This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28105
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: Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$4800.00} 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: 2024-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A