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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33313
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 submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92071
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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07522
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 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: CA
Zip: 92833
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: I have been a victim of identity theft. Transunion, violated my rights and shared. furnished and sold my non-public information without my consent this is deemed identity theft. Please remove these items asap
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 310XX
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: Dear TRANSUNION, I have received a copy of my consumer credit profile report. I am writing in regards to dispute the misleading information that's appearing on my Transunion consumer credit profile report. The following information I ask that be removed immediately. ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind ( 1 ) In general A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers ( 1 ) No reseller file This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ), otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ), identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, add ress, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ), a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter. XXXX XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit profile report which I believe was an attempt of identity theft to open the account. Institution Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit profile report which I believe was an attempt of identity theft to open the account. Institution Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit profile report which I believe was an attempt of identity theft to open the account. Institution Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit profile report which I believe was an attempt of identity theft to open the account. Institution Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit profile report which I believe was an attempt of identity theft to open the account. Institution Information : XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX IA XXXX XXXX XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit profile report which I believe was an attempt of identity theft to open the account. Institution Information : XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit profile report which I believe was an attempt of identity theft to open the account. Institution Information : XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit profile report which I believe was an attempt of identity theft to open the account. Institution Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit profile report which I believe was an attempt of identity theft to open the account. XXXX XXXX : XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit profile report which I believe was an attempt of identity theft to open the account. Institution Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit profile report which I believe was an attempt of identity theft to open the account. Institution Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit profile report which I believe was an attempt of identity theft to open the account. Institution Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit profile report which I believe was an attempt of identity theft to open the account. Institution Information : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit profile report which I believe was an attempt of identity theft to open the account. Institution Information : XXXX XXXX ( Finance ) Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit profile report which I believe was an attempt of identity theft to open the account. Institution Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit profile report which I believe was an attempt of identity theft to open the account. Institution Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit profile report which I believe was an attempt of identity theft to open the account. Institution Information : XXXXXXXX XXXX XXXX ( auto ) Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit profile report which I believe was an attempt of identity theft to open the account. XXXX XXXX : XXXX ( Finance ) Date of Inquiry : XX/XX/XXXX Institution Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit profile report which I believe was an attempt of identity theft to open the account. Institution Information : XXXXXXXX XXXX ( Finance ) Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit profile report which I believe was an attempt of identity theft to open the account. Institution Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit profile report which I believe was an attempt of identity theft to open the account. Institution Information : XXXXXXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit profile report which I believe was an attempt of identity theft to open the account. Institution Information : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit profile report which I believe was an attempt of identity theft to open the account. Institution Information : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit profile report which I believe was an attempt of identity theft to open the account. Institution Information : XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit profile report which I believe was an attempt of identity theft to open the account. By the provisions of the Fair Credit Reporting Act, I demand that these items be removed immediately from my consumer credit profile report. Please remove all the information that appears on the creditor profile that can not be verify. I understand that under FCRA 611 ( 15 U.S.C. 1681I and 15 U.S.C. Sec. 1681i ( a ), Transunion must immediately remove any misleading an/or misinformation being reported to my consumer credit report profile.Thank you for your time and consideration as well as helping with the situation, its truly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32828
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to dispute the inaccurate reporting of late payments on my credit report related to the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have contacted these banks and they have acknowledged the lack of documentation supporting the reported late payments. They have agreed over the phone to update my credit file, confirming that the accounts in question reflect a positive review, are closed, or have never been late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90026
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: TransUnion has been asked several times to remove the 2 negative accounts reporting by XXXX XXXX as they are inaccurate for 2 reasons They are constantly reporting monthly these accounts as a charge off status when they are also claiming they have written the debt off which means they should not be reporting it as a charge off monthly if it has been written off and I have requested the cancelled debt form they are required to give for all written off debts of {$600.00} or more I also provided transunion with court documentation showing that when I was taken to court by XXXX XXXX for the debts that the debts and case were dismissed by the courts and transunion still refuses to remove those accounts from my report they continue to allow XXXX XXXX to " tell '' them that the reporting is valid even when I am " showing them '' through legal documentation that it is not. That is not fair to me as a consumer because as they continue to allow these accounts to stay on my report it is negatively impacting and preventing me from obtains credit based products due to this false reporting. I am requesting that they REMOVE those 2 accounts from my report immediately to solve this complaint as not doing so is in violation of the Fair credit reporting act. Last conversation with an Transunion representative after being hung up on twice and then directed to call another number that was not valid for transunion was on XXXX XXXX XXXX XXXX this is my 6th attempt in over 8 months to get these accounts removed from my credit report and they are still refusing and allowing untrue and unverified information from my report even after they have been provided court documented proof saying that the creditor didn't validate it, why would they if they want to continue to negatively impact my report I believe my reason for uploading proof is to prove that what they are reporting and continuing to validate is untrue and not valid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 754XX
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: This is the several times I've complained about being a victim of identity theft. You must remove/block any inaccurate address that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX, NJ XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 075XX
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 status incorrect
Consumer Complaint: On XXXX XXXX 2024 the XXXX XXXX was called to find out when the paid in full account would reflect on my credit and they said it would but didnt give a time frame. It still shows that i owe money and it is a negitive effect on my credit. XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 131XX
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A