Date Received: 2024-01-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. I am also placing a FTC reference number- XXXX XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08817
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
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: MI
Zip: 48505
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
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 mailed letters on XX/XX/year>, XX/XX/year>, and XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77386
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Transunion is using in proper use of my credit by providing XXXX late payments on my credit report with out my written consent in accordance with the Fair Credit Reporting Act is violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681sec 602 and 15 USC 1681 sec 604 A sec 2 states a creditor must have written consent if not is against FCRA an 15USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. this is my second notice to your to have this removed i also have filed an complaint with the FTC
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29625
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledae of errors. According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89129
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Subject : URGENT - Investigation Required Blatant Violation of FDCPA and FCRA Dear Consumer Financial Protection Bureau Consumer Complaint Division, I am writing to express my profound frustration and utter dismay regarding the gross violation of the Fair Debt Collection Practices Act ( FDCPA ) and FCRA by Transunion in handling my case. On XX/XX/XXXX, I sent a letter to Transunion highlighting the XXXX XXXX XXXX 's persistent refusal to validate the alleged debt, despite my numerous requests. Shockingly, Transunion, on XX/XX/XXXX, deleted the XXXX XXXX XXXX Account XXXX for {$14000.00} from my credit report only to allow the XXXX XXXX XXXX to reenter the same alleged debt in less than 24 hours. It is disheartening that Transunion knowingly permitted this farcical debt to tarnish my credit report. When I contacted Transunion on XX/XX/XXXX, to address the reentry of the bogus debt, their customer service representative callously suggested filing another dispute against the XXXX XXXX XXXX, subjecting me to an additional 30-day waiting period. The question looms : what prevents the XXXX XXXX XXXX from repeating this cycle? I demand Transunion to implement a permanent block to prevent the XXXX XXXX XXXX from reentering my filean action well within TransUnion 's capabilities. The law is unambiguous and well-established ; Collectors, as mandated by the Fair Debt Collection Practices Act ( FDCPA ), are obligated to provide a written debt validation notice. Despite seven written requests, including four via certified mail, the XXXX XXXX XXXX has consistently failed to validate the purported debt. Certified Mail with Electronic Delivery Confirmation # XXXX Certified Mail with Electronic Delivery Confirmation # XXXX Certified Mail with Electronic Delivery Confirmation # XXXX Certified Mail with Electronic Delivery Confirmation # XXXX Per my rights under the FDCPA, I formally demanded TransUnion compel the XXXX XXXX XXXX to produce irrefutable evidence of the debt, specifically all six final billing statements spanning from XX/XX/XXXX, to XX/XX/XXXX. The XXXX XXXX XXXX 's failure to provide these documents, coupled with the fluctuating balance changes and lack of written notice, constitutes a clear violation of the law. Regrettably, the XXXX XXXX XXXX not only violated the FDCPA by failing to provide essential documentation but also transgressed the Dodd-Frank Act, prohibiting unfair, deceptive, or abusive debt collection practices. Compounding the issue is the glaring inconsistency in the information provided by the XXXX XXXX XXXX, notably in the fluctuating balance. I draw your immediate attention to the legal doctrine of estoppel by silence, as articulated in Engelhardt v. Gravens ( Mo ) 281 SW 715, 719. The XXXX XXXX XXXX 's silence may be construed as an implicit admission that no substantiating evidence of the alleged debt exists. Given these egregious circumstances, I formally demand the immediate execution of the following corrective actions : Permanently expunge Account XXXX associated with the XXXX XXXX XXXX from my credit report. Initiate a comprehensive investigation into the veracity of the information provided by the XXXX XXXX XXXX, with subsequent corrective measures implemented to rectify identified inaccuracies. The lack of substantiated proof within the stipulated time frame, coupled with potential inaccuracies, necessitates the immediate removal of this account from my credit report. Your immediate and undivided attention to this matter is not just requested but expected. I anticipate a swift resolution of this dispute and insist on receiving written notification detailing the actions undertaken in response to this complaint. Thank you for your cooperation, and I expect your diligent response within the shortest possible time frame.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30260
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am requesting that it will be removed from my credit report as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Per FRCA as a federally protected consumer I am opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802. This is effective immediately and indefinitely.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 03062
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
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 significant distress. I respectfully urge you to 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 appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33010
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76123
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A