Date Received: 2024-01-23
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> .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: FL
Zip: 338XX
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 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: 93720
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: Information belongs to someone else
Consumer Complaint: Hello I pulled my credit report on XXXX XXXX I have numerus number of unauthorized inquires on my report. I did not authorize these inquires below that are reporting on my XXXX credit report : XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX on XX/XX/XXXX Also I have numerus number of unauthorized inquires on my TransUnion report. I did not authorize these inquires below that are reporting on my TransUnion credit report : 1. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XX/XX/XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX on XXXX XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX on XX/XX/XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 436XX
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I respectfully ask for a swift update of my account with the accurate and precise information. Your prompt response in resolving this issue is highly valued.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
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: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: TransUnion has my log in information block so I can view my credit report. Every time I try to log-in to the website it wants allow me to and then I try to do reset and it tells me an account is already set up. But it will not allow me to log-in! I have called Transunion several times about this and they just will not fix the problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38016
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: 92104
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08081
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: 92708
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 hope this letter finds you well. I am writing to address serious concerns regarding the inaccuracies present on my credit report, which have recently come to my attention. After conducting a thorough investigation, I have identified unverifiable, invalidated, and questionable items that have not been reported accurately by your agency. The discrepancies I have discovered have had a significant impact on my mental well-being, causing severe distress and anxiety. As a consumer, I firmly believe in the principles outlined in the Fair Credit Reporting Act ( FCRA ), particularly the requirement that information reported on my credit file must be 100 % accurate. According to 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), it is evident that these accounts are in violation of the law by failing to report 100 % accurate information. I have attached copies of all letters I have previously sent to your agency, outlining the specific discrepancies and requesting their rectification. I understand the importance of maintaining an accurate credit report, and I trust that your agency is committed to upholding the principles set forth by the FCRA. I am writing to request an immediate and thorough investigation into the items in question, with the aim of rectifying the inaccuracies promptly. I appreciate your attention to this matter and look forward to a swift resolution. Please consider this letter as a formal dispute under the provisions of the FCRA, and I expect that corrective actions will be taken promptly. Thank you for your cooperation in addressing this matter expediently.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76002
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A