Date Received: 2024-01-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am coming to you because I'm a victim of Identity theft. There are a lot of things on my credit report that are inaccurate due to fraudulent activity. Someone has stolen my identity and opened accounts using my personal information. I've been complaining with the credit bureaus to have these accounts removed but nothing has been done. I don't recognize the following accounts on my credit report : XXXX XXXX XXXX XXXX XXXX acct number XXXX for {$1200.00}, XXXX XXXX XXXXXXXX XXXX XXXX ) acct number XXXX for {$100.00}, XXXX XXXX acct number XXXX {$14000.00}. I'm seeking your help to have this fraudulent information removed from my report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
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 have been fighting back and forth with the three major credit bureaus XXXX XXXX and Tranunion as well as the companies. I have sent in information to them showing I was a victim of identity theft and used other names that are not my full correct name. I have also asked these agencies and companies for verification that the information was actually accurate. According to 1006.34 notice for validation of debts they had 5 days to respond with any kind of validation and they have failed to do so multiple times. So since they are in violation they need to remove them off of my credit report immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94587
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: In XX/XX/2023 my student loans with XXXX services were discharged and closed by the XXXX XXXX XXXX XXXX XXXX due to recently becoming a totally XXXX Veteran. In XXXX of 2023, Transunion notified me via XXXX XXXX of my XXXX student loan account becoming 90 days delinquent at the time of discharge. However, I have no personal record of delinquencies in the past year according to my XXXX statements. I disputed this matter with Transunion resulting in zero change to my credit report. Upon contacting XXXX about this matter, I was told they have no record of any delinquencies and pointed me in the direction of the XXXX as they were responsible for my loan discharge. XXXX says they have no responsibility in credit reporting on my student loan account and to speak with XXXX about this situation. On XXXX I have no access to any statements within the 90 days period prior to XX/XX/2023. The most recent statement I have access to is XXXX of 2023. I have no access to official documentation except a screenshot showing that I no longer owe XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91910
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Subject : Complaint Against XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX regarding a payment plan issue that has significantly impacted my credit standing. I believe the practices followed by XXXX XXXX XXXX in setting up and managing this plan are unethical and irresponsible. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 604 A Section 2, I have the right to privacy, and a consumer credit agency can not furnish an account without my written instructions. Furthermore, under 15 USC 166b, a creditor may not treat a payment on a credit card as late for any purpose. In XX/XX/2023 during a financial crisis, I enrolled in a payment plan offered through the XXXX XXXX XXXX app. Unfortunately, the app failed to adequately inform me that to avoid late payments being reported to credit bureaus, I needed to pay three months in advance. Despite XXXX XXXX Services automatically deducting monthly payments from my bank account on time, my credit report was adversely affected due to the lack of upfront information. Upon discovering this discrepancy, I contacted XXXX XXXX XXXX multiple times to seek assistance. Each time, I was assured that the issue would be rectified. However, the problem persisted, and no resolution was provided. Furthermore, I did not receive any letters or communications explaining the terms of the payment plan and the potential impact on my credit. I find it unethical and irresponsible for XXXXXXXX XXXX XXXX to establish a payment plan through an app without transparently disclosing the requirement to pay three months in advance, thus jeopardizing my credit during a challenging financial period. An option to pay in advance, which I could have afforded, was not provided, nor were there any clear disclaimers during the enrollment process. I kindly request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly. I seek the following resolutions : Immediate Correction : Rectify the reporting discrepancies on my credit report caused by this payment plan. Transparency : Ensure that XXXX XXXX XXXX provides clear and transparent information regarding the terms and potential credit impact of any future payment plans. Communication : Require XXXX XXXX XXXX to communicate the terms of payment plans explicitly to customers, including any potential consequences on their credit. I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a fair and thorough investigation into this complaint. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33414
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44039
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Act XXXX Account XXXX XXXX XXXX Reference Number XXXX which was discharged XXXX days later therefore has violated my rights. 15 U.S.C 1681 section 602 A. States I have a 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44903
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: XXXX XXXX provided incomplete and improper information in their android application which lead to to my account being put in default ( over a {$3.00} charge ) due to the fact that the application listed no balance on the account. What was not apparent ( and in no way visible using their android application, which is the primary way I interacted with XXXX XXXX ) was that they were calculating interest AFTER the amount shown as the total amount due, but NEVER UPDATING the amount due on the app. So, the user would see a XXXX balance, even though they were calculating a small amount of interest ( XXXX XXXXXXXX {$3.00} ) and applying it to the account. How can you possibly pay an amount when you don't know what the amount is, and the amount due is shown as XXXX? This ( in my opinion borderline fraudulent ) practice, led my personal credit score to decrease by about XXXX points. Over {$2.00}!!! The bank was completely unapologetic regarding their application ( in fact their representative said during a presumably recorded phone call that the app does not provide the full information regarding the account status ) failure to provide complete information. I have since closed my accounts with XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 057XX
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
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: TX
Zip: 76021
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91335
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Transunion, XXXX, And XXXX are reporting my transaction history. Per The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). It is My personal information my credit limit and the Exact amount I have paid. If I make a payment and how much the payment is, This is my personal information. The reporting of such infrmation such as spicific details, like amount, limit, when and how much i paid goes againt my privacy. They should not be reporting transaction history! Especially since I have already opted out. in a previous letter and cfpb report. Per 16 cfr 313 Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. Per 15 us code 6801, 6802 and 6805. Per 15 us code 6801. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) banks insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), insured State branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; and ( D ) savings associations the deposits of which are insured by the Federal Deposit Insurance Corporation, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ). ( 2 ) Under the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the Board of the National Credit Union Administration with respect to any federally insured credit union, and any subsidiaries of such an entity. ( 3 ) Under the Securities Exchange Act of 1934 [ 15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to any broker or dealer. ( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the Securities and Exchange Commission with respect to investment companies. ( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the Securities and Exchange Commission with respect to investment advisers registered with the Commission under such Act. ( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title. ( 7 ) Under the Federal Trade Commission Act [ 15 U.S.C. 41 et seq. ], by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs ( 1 ) through ( 6 ) of this subsection. ( 8 ) Under subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau of Consumer Financial Protection, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the Bureau and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title. ( b ) Enforcement of section 6801 ( 1 ) In general Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the Bureau of Consumer Financial Protection, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section. ( 2 ) Exception The agencies and authorities described in paragraphs ( 3 ), ( 4 ), ( 5 ), ( 6 ), and ( 7 ) of subsection ( a ) shall implement the standards prescribed under section 6801 ( b ) of this title by rule with respect to the financial institutions and other persons subject to their respective jurisdictions under subsection ( a ). ( c ) Absence of State action If a State insurance authority fails to adopt regulations to carry out this subchapter, such State shall not be eligible to override, pursuant to section 1831x ( g ) ( 2 ) ( B ) ( iii ) of title 12, the insurance customer protection regulations prescribed by a Federal banking agency under section 1831x ( a ) of title 12. ( d ) Definitions The terms used in subsection ( a ) ( 1 ) that are not defined in this subchapter or otherwise defined in section 1813 ( s ) of title 12 shall have the same meaning as given in section 3101 of title 12.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95841
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A