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 pulled my credit report and notice a account that wasnt mine from XXXX account number XXXX amount {$7900.00} I contacted XXXX, XXXX and transunion about this matter I sent in my Identity theft report to XXXX, XXXX and transunion and still nothing has been done about this inaccurate account thats not mine reporting on my credit report, which is preventing me from obtaining credit from other creditors I would like this matter resolved immediately
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70127
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 items 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 XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XX/XX/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: NC
Zip: 283XX
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: XXXX XXXX was notified that I elected to opt-out and I don't provide them authorization to report my mortgage to credit bureau XXXX They received a payment each month for a debt they have failed to validate. They received funds via 1099a that IRS approved. They still have not credit the account. I included bank confirmation for each payment for XXXX to XX/XX/year> for which they said 3 months were not paid. I also want my asset back security that is being hold by XXXXXXXX XXXX to be sold and the funds to be transferred to my personal fidelity account. They have sent notification stating they were investigate the account and was expected to have complete In XXXX but was delayed to XXXX. However, they have not pause their payment due to a billing error. 18 USC 1025 - lying, fraud, etc regarding any instrument, promissory note, etc. 18 USC 1348 - fraudulently getting money from transfer of an instrument or security 12 USC 504 - breaking fiduciary duties- $ XXXX {>= $1,000,000} A DAY penalty ( this one has a multi-tiered system and the charge should be specific )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft please remove this fraud inquiry 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: 17603
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: Re : Request for Removal of Unauthorized Inquiries and Account from Credit Report Dear Trans Union Consumer Assistance, I hope this letter finds you well. I am writing to bring to your attention a serious matter concerning unauthorized inquiries and the addition of an unauthorized account on my credit report. This breach of privacy has raised significant concerns regarding identity fraud and the violation of my rights under both Texas state laws and federal regulations. It has come to my attention that certain creditors have accessed my non-personal information without my consent. This blatant breach of privacy is not only unethical but may also constitute identity fraud, a matter of utmost concern. I am particularly troubled by the unauthorized addition of an account to my credit report, an action I did not authorize. Even in situations where a permissible purpose exists, it is essential to emphasize that the consent of the consumer is still required. I want to make it unequivocally clear that I did not provide consent for the creditors in question to access my personal information or add an account to my credit report. This violation of my privacy rights is unacceptable, and I demand immediate corrective action. To address this issue effectively, I kindly request the removal of all unauthorized inquiries and the associated account from my credit report. I believe that taking prompt action to rectify this situation is crucial not only for my financial well-being but also for upholding the principles of privacy and consumer protection. In accordance with Texas state laws, I would like to draw your attention to the following codes that pertain to the protection of consumer rights : Texas Finance Code, Title 3, Subtitle B, Chapter 392 Consumer Credit Commissioner Texas Business and Commerce Code, Title 1, Subtitle C, Chapter 35 Fraudulent Transfers Additionally, I urge you to consider the federal laws that support my case : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Fair and Accurate Credit Transactions Act ( FACTA ), 15 U.S.C. 1681m I expect that Trans Union, as a reputable credit bureau, will take swift and decisive action to rectify this breach of privacy. Your cooperation in this matter is crucial to maintaining the integrity of consumer credit reporting and protecting the rights of individuals. I anticipate a thorough investigation into this matter and request written confirmation of the removal of unauthorized inquiries and the associated account from my credit report within 30 days of receiving this letter. Thank you for your immediate attention to this matter. I trust that Trans Union will uphold its commitment to consumer rights and privacy. 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: 77019
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: Identification : DL and Utility Bill is attached for identification validation purposes. This entire report has a plethora of inaccuracies and is violating my right to privacy. Firstly, you are in violation of several laws set forth by Congress. Lets start by saying you are furnishing this Consumer Report without my expressed written consent pursuant to 15 USC 1681b. Everything that is reflected in this report is a direct violation of 15 USC 1681a ( 2 ) ( B ) because these accounts are furnished from my credit card. You are reporting several inaccuracies in my consumer report pursuant to 15 U.S. Code 1681e ( a ) b - Compliance procedures. Lets begin with the incorrect spellings of my name are unidentifiable and need to me removed as well as you are reporting several non-mailable addresses that are undeliverable. I have requested removal of these on several occasions and it is now evident that many of these inaccurate reporting are intentional pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance. ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer. 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You need my written consent to add anything to my consumer report since I did not give this authorization then you are in violation of the Fair Credit Reporting Act. Inaccuracies are all throughout my consumer report with inaccurate dates, missing information, and credit reporting agencies information isnt matching across the board pursuant to INACCURATE REPORTING PURSUANT TO 15 USC 1681a P.L 90-321 ( 82 Stat. 146 ) which is law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal You are reporting my transaction history which is a violation. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to XXXX ure maximum possible accuracy of the information concerning the individual about whom the report relates. By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures. under this title. My rights to privacy pursuant to Violation of Privacy Act 1974-5 USC 552a , 16 CFR 313.1, 15 USC 1681c other adverse information, 12 CFR 1016.1 Privacy of Consumer financial info and 15 USC 1681b Permissible. I am relying on you to report with accuracy and fairness pursuant to 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. It is imperative that you assist in protecting my right to privacy. Public Record account is reporting inaccurately pursuant 15 USC 1681 and violation of 15 USC 1681c ( a ) Bankruptcy information is Excluded from the report. In violation of The Privacy Act ( 5 USC 552a ) and The Privacy Act of 1974. In conclusion the XXXX account is non-public information. XXXX XXXX is inaccurately reporting pursuant 15 USC 1681, dates are not consistent across reporting agencies. XXXX said that they will not disclose my information to third party affiliates and XXXX, TransUnion, XXXX are all third party affiliates which is a violation of FERPA 20 USC 1232g, 34 CFR 99 and violation of 15usc1681a ( 2 ) ( A ) ( i ) Exclusions transaction history. I have a right to the privacy of my non-public personal information. Pursuant to 15 USC 6802 I can OPT-OUT of any non-public transactions as I was not provided with the 3 disclosures forms from any institution before they passed my information to a third-party company XXXX, Transunion, XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89031
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 submitted documents for the bureaus to remove some fraudulent accounts from my credit report because i was a victim of identity theft. I got an email stating that they were not going to block the accounts because i wasnt the one making the complaint. Well if im not doing it then who is? They are required to block and remove fraudulent accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94568
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: RE : Formal Complaint Against TransUnion LLC - Violation of 15 U.S. Code 1681i Dear Consumer Financial Protection Bureau ( CFPB ), Thank you for acknowledging my formal complaint against TransUnion LLC in connection with the violation of 15 U.S. Code 1681i. I have attached the Investigation Results by TransUnion LLC, identified by File Number XXXX, confirming the ( VERIFIED ) status of the information in question. I am seeking your intervention to ensure compliance with the provisions outlined in 15 U.S. Code 1681i, and your timely cooperation in addressing this matter is greatly appreciated. Thank you. Sincerely, XXXX, XXXX All Rights Reserved UCC 1-308
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33150
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 XXXX account XXXX XXXX XXXXXXXX XXXX, account # XXXX, 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 an account without my written instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 295XX
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: On XX/XX/year> XXXX, Transunion, XXXX and XXXX reported bankruptcy on my credit report and file. The agencies listed above needs to remove the inaccuracies of reporting and its a violation of METRO 2 Compliance. I have uploaded the FTC report I have filed and documentation from the US Bankruptcy Court showing that they do not provide information to 3rd parties. I did NOT consent to anything being posted on my credit report or file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A