Date Received: 2024-02-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: An account was opened in my name without my permission at the XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Phone number XXXX. I live in XXXX, PA. The opening date was XX/XX/XXXX. It resulted in a hard inquiry/credit check on my account. The account was finally closed and they reported it as a fraudulent event on XX/XX/XXXX and said they would contact Transunion directly to have it removed from my report. No action was taken, and since that date of XX/XX/XXXX I have called the above number 8 times and left my contact number for someone to call back and no one has reached out. There is never a manager or another option present. They are a horrible company, I just want this resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to TransUnion requesting for reinvestigation unfortunately the issue remains unresolved to this day. Transunion 1. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 2. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 3. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Upon checking on my credit report, I spotted some unauthorized and fraudulent inquiries that need reporting and correction through your company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am filing this report because I discovered that there are many discrepancies on my credit report, I have noticed some unauthorized inquires on my credit report.It is totally unfair to place inquires that i do not know anything about on my report, this is a total violation of fair credit reporting and directly violated my consumer right.please kindly investigate and remove all inquiries involved. 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 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 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: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
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: AZ
Zip: 85209
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
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:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I requested for a Hard Inquiry to be removed from my Credit Report as I have no knowledge of this, and it was not my doing. The Hard Inquiry in question is the listed XXXX XXXX, requested on XX/XX/2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54880
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 894XX
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXXXXXX Last reported XX/XX/XXXX {$930.00} Open balance XXXX XXXX XXXX XXXXXXXX Opened Account status Original creditor name XX/XX/XXXX ( XXXX mos ) Open - Individual Placed for collection XXXXXXXX XXXX XXXX XXXXXXXX I am not liable for this debt with XXXXXXXX XXXX XXXX XXXXXXXX, I do not have a contract with XXXX XXXX XXXXXXXX, they did not provide me with the original contract as i requested. XXXX XXXX Last reported XX/XX/XXXX {$260.00} Open balance XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor Account status Original creditor name XX/XX/XXXX ( 2 yrs, 8 mos ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX they did not provide me with the original contract as i requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York, XXXX DOB XX/XX/XXXX SSN # XXXX Date XX/XX/XXXX TransUnion, XXXX XXXX XXXX XXXX, PA, XXXX RE : Letter to remove inaccurate credit report information Dear TransUnion, There are several inaccuracies in the following accounts Account Name : XXXX XXXX XXXX Account Number : # XXXX Account Balance {$670.00} I am demanding that these items be removed as your company failed to do an initial investigation on these items. Pursuant to 15 U.S. Code 1681 ( a ) ( 1 ) the banking system is dependent upon credit reports being fair and accurate. The banks can not function without my consumer reports being accurate nor can I extend my credit for essential things. This grave error has undermined my confidence in the public and I am not able to use my consumer credit. Pursuant to 15 U.S. Code 1681 ( b ) ( 2 ) I never gave your permission to furnish a consumer report on my behalf nor did I give you written consent with my wet ink signature. You are supposed to have my permission to furnish this report and I never gave consent for you or any other person to furnish information on my behalf. I demand that you provide to me the original contracts for the above said accounts and I also demand you provide me a contract including my wet ink signature which gave your permission to furnish this information on my report. If you can not provide such documentation these items shall be blocked and removed from my consumer report. If the failure of such items are not blocked and removed, failure of your willful noncompliance can result in a lawsuit. You are harming my reputation and defaming my character by reporting inaccurate information and causing mental anguish and injury as I have been denied credit. I am expecting to get a home in a few months and this inaccuracy is causing me to be denied by lenders because it is reporting negative. I also demand you provide me with a sworn affidavit showing proof that I granted you permission to furnish a consumer report on my behalf with the failure of such information the above accounts shall be removed. Here are the following inaccuracies The account number is missing The monthly payment is missing. If TransUnion. fails to make any reasonable procedures to resolve this matter and the use of inaccurate reporting information and my rights to privacy I will indeed make TransUnion criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also Follow up with an invoice for said violations ( { {$1000.00} } per violation. ) Thank you. Foster : XXXX [ Agent/Beneficiary ] Without Prejudice. All Natural inalienable Rights Reserved
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A