Date Received: 2024-01-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Per XXXX ( FAMILY EDUCATION RIGHTS and PRIVACY ACT ) enacted in XXXX, I have a right to privacy of student education records. XXXX has repeatedly violated my privacy & has failed to remove these items from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85338
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: PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and XXXX and my XXXX are bout to be XXXX please help I cant live like this The credit bureaus never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave these creditors WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN OR CLOSE ANY ACCOUNT. THESE BALANCES IS IN ACCURATE, PAYMENT STATUS AND HISTORY IN ACCURATE, LAST ACTIVITY DATE IS IN ACCURATE, ALL INFORMATION REGARDING THESE NEGATIVE INSTALLMENT LOAN IS INACCURATE.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about this fraudulent account. I don't have any closed OR OPEN accounts with THESE LISTED CREDITORS BELOW WITH MY DOCUMENTATION. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be XXXX XXXX accurate on my credit report. The credit bureaus stated it was properly investigated but how is that even possible if THESE CREDITORS DID NOT GET ANY WRITTEN SIGNATURE, CONSENT OR AUTHORIZATION FROM ME. This account is fraud and does not belong to me, this is in accurate, I have never opened or closed any account with THESE CREDITORS I ask for documents with signature or authorization, they did not submit my request.This grounds for removal and deletion immediately. I never gave THESE CREDITORS ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THIS ACCOUNT. THIS IS FRAUD. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THIS FRAUDULENT CREDIT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY CREDIT ACCOUNT WITH THESE CREDITORS BELOW They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written consent. In accordance with the Fair Credit Reporting act WITH THESE CREDITORS ATTACHED has violated my rights. 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 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 SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, whichrequires you to block the.fraudulent information on my credit report resulting from identity theft within XXXX business XXXX and to promptly notify the furnisher ( XXXX ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I sent in a dispute for accounts that do not belong to me! I sent this letter to the bureaus over XXXX XXXX XXXX I began trying to obtain a home for my family and was denied due to XXXX information present on my credit reports. Since I noticed the incorrect information and accounts I got in contact with all the bureaus, which they then told me to submit my disputes through writing. I have been spending my time and money to submit these disputes to the bureaus and yet they do not provide me with any proof of ownership on ANY of the disputed accounts. I feel TARGETED and ATTACKED by these bureaus that are suppose to help consumers! The bureaus XXXX, experian, and TransUnion are also blatantly breaking the law by taking over XXXX XXXX to investigate my dispute and by reflecting accounts on my credit report that are inaccurate and inconsistent. They are in direct violation of FCRA 605!! And the Fair Credit Reporting Act, 15 U.S.C. 1681g! The accounts I disputed are showing inaccurate Last Active Date, Payment History, high limit amount, date opened, payment history are all NOT reporting the same across all bureaus and this is NOT Metro 2 complaint, a regulation that all bureaus NEED to follow. I beg you please help me correct these issues because it is truly unfair that I am not able to obtain a home for my family like others can. I am starting to feel that because I am XXXX XXXX I am being targeted and not being allowed to progress because they are placing these inaccurate accounts on my consumer report!! l
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19143
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: My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07032
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Each of the accounts with account/tradelines XXXX XXXX XXXX XXXX XXXX report as a C/O with a " scheduled to report until date '' of XX/XX/XXXX as reported by TransUnion. The courts within my Federal Judicial District have published a case that demonstrates how C/O are established relative the Date of First Delinquency ( see : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. To determine if an alleged payment history and accompanying charge-off were reporting accurately, the Court subtracted seven ( 7 ) years from the " Estimated month and year this item will be removed '' date. The " Estimated month and year this item will be removed '' date for the accounts herein is XXXX XXXX XXXX XXXX. Applying the method demonstrated by the Court to the accounts herein, by subtracting seven ( 7 ) years, yields a Date of First Delinquency of XXXX XXXX XXXX XXXX XXXX can not be the correct Date of First Delinquency for these accounts because the accounts are listed " OK '', ie. paid on time, for that month and were in a forbearance. Therefore, the Date of First Delinquency is false or inaccurate. Thus, the payment history leading to the charge-off is false or inaccurate for these accounts and needs to be removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48104
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: 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: CA
Zip: 94549
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: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: Subject : Inaccessibility of TransUnion Website for Credit Report and Dispute, Seeking Redress On XXXX, I encountered severe issues attempting to log in to the TransUnion website to access my credit report and dispute a collections account. This problem persisted despite a successful attempt through other bureaus. The websites inaccessibility, as reported by various XXXX comments, has been a persistent concern over an extended period. This disruption specifically affected my ability to utilize the free credit report and dispute tool, while access to paid features remained unaffected. This situation raises concerns about the accessibility and functionality of critical consumer services provided by TransUnion. I believe this incident may be in violation of consumer protection laws, as it hinders my right to access and dispute information crucial to my financial well-being. Seeking redress, I request a thorough investigation into this matter and appropriate monetary relief in accordance with applicable laws. Thank you for your attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 722XX
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: XXXX XXXX has an erroneous charge off my my credit reports, specifically TransUnion. I've been a member confirmed in writing for 6 consecutive years on auto-pay. I was never late one day ever as my account was always set on auto-pay. This was confirmed in writing again by XXXX XXXX. My account was closed on XX/XX/2023 as I moved out of state. I also submitted the recieipts of the wifi internet rental boxes and they also confirmed as recieved and yet they have this erroneous charge off showing on my credit report. I've attached proof of returning their equipment in good working order just as I recieved them. As also an XXXX, I will be filing a lawsuit against both TransUnion AND XXXX XXXX unless this charge off gets removed from my credit reports within 30 days of this notice as tis is causing financial harm. XXXX XXXX XXXX, XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The report from XXXX XXXX was to be changed after an investigation from Consumer Financial Protection Bureau, submitted XX/XX/year>. You were supposed to change it and you did not. The other two credit agencies DID make the change. This is from Woman Within : As a courtesy, we sent a request to the credit reporting agencies to remove the delinquency from the credit report. As a courtesy, we previously applied a credit of {$67.00} to the account for the associated late fees. It was THEIR error. Please change the information. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 03079
Submitted Via: Web
Date Sent: 2024-01-31
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: Dear CFPB, My name is XXXX XXXX XXXX XXXX, and I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is from XXXX XXXX and XXXX XXXX XXXX. and it is showing on my credit report without my consent. I have no contract with XXXX XXXX nor XXXX XXXX XXXX. and have given no consent for them to use my name, likeness, or credit data. Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like TransUnion to ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow. Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
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: This is my refilling complaint to TRANSUNION for making no move to address furthermore, eliminate the deceitful records that is as yet thought about my credit report and proceed to harm my standing. I conveyed correspondence letters and protests to them a few times, yet until this time no further move has been made. I have appended my FTC report with report number XXXX. I was expecting that they would report exact data on my record yet it appears they are not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60610
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A