Date Received: 2024-01-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I kindly request the Consumer Financial Protection Bureau to investigate and correct the inaccuracies in my credit report. I am seeking a prompt resolution to ensure that my credit history accurately reflects my financial responsibility. XXXX. I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND YOU HAVE ME LISTED AS LATE ON THESE DATES LISTED AND I DEMAND THEY BE DELETED FROM MY CONSUMER REPORT.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DEMAND ALL ALLEGED LATE PAYMENTS BE DELETED FROM MY CONSUMER REPORT YOU ARE VIOLATING MY RIGHTS AND THESE TRANSACTIONS AND EXPERIENCES CAN NOT REPORT AND THIS IS A CLEAR VIOLATION ON MY RIGHTS AND I WOULD LIKE ALL LATE PAYMENTS ON MY CONSUMER REPORT DELETED IMMEDIATELY. IT IS HENDERING MY CHARACTER AS A CONSUMER. XXXX. I HAVE NEVER BEEN LATE ON THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX I DEMAND ALL ALLEGED LATE PAYMENTS BE DELETED FROM MY CONSUMER REPORT YOU ARE VIOLATING MY RIGHTS AND THESE TRANSACTIONS AND EXPERIENCES CAN NOT REPORT AND THIS IS A CLEAR VIOLATION ON MY RIGHTS AND I WOULD LIKE ALL LATE PAYMENTS ON MY CONSUMER REPORT DELETED IMMEDIATELY. IT IS HENDERING MY CHARACTER AS A CONSUMER. per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan and per 15 usc 1681a ( 2 ) ( a ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 15 USC 1681 SECTION 602 STATES I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGGENCY CAN NOT FURNISH AN ACCOUNTWITHOUT MY WRITTEN CONSENT 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS A LATE FOR ANY PURPOSE THESE ACCOUNTS LISTED ARE IN VIOLATION ON MY RIGHTS. VIOLATION OF 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 in an amount equal to the sum of ( 1 ) ( A ) 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} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( XXXX ) such amount of punitive damages as the court XXXX allow ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against companines listing inaccurate information, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. Please help me I have studied these laws in the fcra and i just want justice for my consumer report XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61704
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Three reporting bureaus and XXXX XXXX abused file to deny age of creditor, utilized information from over ten years ago [ employment history ], and company denies any wrongdoing for their failure to report accurately from 2019
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
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 submitted a CFPB complaint on XXXX The report number is XXXX Attached to the complaint, I submitted : ( 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 XXXX transaction by the consumer. Your company responded on XXXX " we were unable to block the information for the reason described in the letter and we investigated the information by contacting the creditors to verify the accuracy of the information '' XXXX XXXX XXXX XXXX AS REPORTED XXXX XXXX XXXX XXXX-VERIFIED AS REPORTED XXXX XXXX AS REPORTED I have not been sent any original documentation proving that these items belong to XXXX. I have requested these documents XXXX times. I have received the same boilerplate response to this matter, with no substantiation whatsoever. I have stated that this item is a result of a theft of my identity. I have read what the law says and it states : 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( 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 XXXX transaction by the consumer. It has been more than XXXX XXXX XXXX since the receipt of my dispute. You have no complied. This is blatant non-compliance and outright negligent on the part of your company. Plainly put, you are ignoring what the law says. I am are of what subsection C states : Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind XXXX 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. My response to that is : This was NOT sent in error, NOT a material misrepresentation, and if you feel I obtained goods or services, please have a XXXX XXXX from your company certify UNDER THE PENALTY OF PERJURY sign a sworn affidavit that I received goods or services. Please also provide proper documentation with this affidavit. You have ignored my requests for proper documentation. You have provided no proof of verifying or updating the validity of these entries on my consumer report. Let me remind you of what the law says about ignoring consumer disputes : FCRA 15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general XXXX person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of XXXX successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. By not blocking the information I identified within XXXX XXXX XXXX and not providing proper documentation as to their validity and belonging on my consumer report, your company is liable to XXXX for damages. Should I have to bring this matter to a civil court, I will highlight your multiple, willful negligence of my requests for proper validation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32258
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: according to the fair credit reporting act 15 USC 1681 section 602 a states " there is a need to insure that consumer reporting agencies exercise their gave responsibility with fairness, impartiality, and a respect for the consumers rights to privacy. '' XXXX, XXXX, and transunion are consumer reporting agencies and XXXX XXXX the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 witch states " it is the policy of congress that each financial institution has affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 1681e ( b ) 15 USC 1602 -1608
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96706
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: As the consumer, whom XXXX XXXX ; XXXX XXXX XXXX greatly benefited from because they securitized my auto contract unbeknownst to me, I have also experienced the horrors, mental and emotional frustration, as well as the embarrassment, pain, and sheer frustration of having my rights consistently violated under The Fair Credit Reporting Act. 15 U.S.C. 1681 et seq. protects my personal financial information collected by consumer reporting agencies, limiting those who can access such information, and the process by which consumers should be able to obtain and correct the information collected about themselves. Also, XXXX 's implementing Regulation V, 12 C.F.R. pt. 1022 ( known as the Furnisher Rule ) and the Consumer Financial Protection Act of XXXX ( XXXX ), 12 U.S.C. 5531 ( a ), 5536 ( a ). Creditor account name inconsistencies have been misrepresenting and misleading in appearance presenting the false perception, that I have defaulted on two car installment loans around the same period. This has hindered and prevented me from obtaining reasonable, good faith from creditors to finance the necessary transportation needed, since I completed the settlement payment on XX/XX/XXXX, due to the inconsistent creditor account names reported accurately across all reporting bureaus. ( TransUnion - XXXX XXXX XXXX, XXXX - XXXX XXXX, XXXX - XXXX XXXX XXXX ) The account status of the charge-off is inaccurate due to me and the co-signer receiving a 1099C to file. The settlement payment, which was reported and filed as income, was made on XX/XX/XXXX. I requested through the 'collection agency company to have the status updated to paid, if not able to delete the reporting of the income. They stated that it was not up to them, and XXXX had to not only agree to the payment amount, but they would advise them on if the collection agency could make my request of delete the account, or paid status. XXXX XXXX XXXX has since added, or as they would like to believe, 'updated ', the information that they have been consistently and inaccurately reporting for just shy of 2 years on the XXXX of this month. Not to mention the most recent opportunities to make all required changes, even dating back from XX/XX/XXXX, when the CFPB announced their findings and penalized XXXX XXXX for, " repeatedly provided inaccurate credit report information about consumer payments on loans and leases that XXXX purchased and serviced. In many cases, XXXX knew it was providing inaccurate information and failed to take reasonable measures to address the inaccuracies. XXXX identified many of the issues causing these inaccuracies in its internal audits, but still took years to address the problems. '' - CFPB New Release - XX/XX/XXXX. Delinquency first reported inconsistencies and inaccuracies are, ( XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, TransUnion - No Date Listed ). Late payment reported inconsistencies and inaccuracies are, ( TransUnion - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Account balance inconsistencies and inaccuracies are, ( TransUnion- {$3400.00}, XXXX- {$7200.00}, XXXX - XXXX balance showing ). Last reporting date inconsistencies and inaccuracies are, ( TransUnion - XX/XX/XXXX, XXXX - No Date Listed, XXXX - XX/XX/XXXX ). Also, what responsibilities and most importantly, accountability do the credit reporting agencies, TransUnion, XXXX, and XXXX, play in the consumers right to fair, consistent, and accurate reporting, having known how long this was going on. What controls or assessments, as agencies responsible for compiling and recording this information, are being implemented to ensure furnishers are providing the best and most accurate information?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34639
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Items on my credit file are inaccurate and have not been validated correctly per FRCA and FRPCA regulations. Listed items on my report are from companies that I have no contract with my validated signature to prove that I owe these companies for these debts nor can they place any item on my credit file. No Validated Proof has been provided. SEVERAL REQUESTS HAVE BEEN SENT BY MAIL AND NET. TO INCLUDE : XXXX XXXX TRANSUNION ACCOUNTS IN DISPUTE : XXXX XXXX XXXX XXXXNo Signed Contract with this company to validate. XXXX XXXX XXXXNo Signed Contract with this company to validate. XXXX in full/No lower settlement amount was agreed on. PAID FULL AMOUNT OWED-NOT a Collection-Charge-Off. There are NUMEROUS DISCREPANCIES on my credit files with Accounts showing Closed-Collection with listed agencies. There has been XXXX validations provided to prove accounts are valid. There are Several Inquiries on my credit file that I have XXXX affiliation with and have requested removal from all reports and nothing has been removed. This is harming my credit and has been detrimental to my credit file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 744XX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Hello CFPB, I'm submitting a complaint on the credit reporting bureaus TransUnion, XXXX, and XXXX on my consumer reports. I requested a verification and removal of a XXXX XXXX XXXX from the consumer report, Verification of Creditor accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, due to Charge offs, Late payments, Evictions 15 USC 1681a 2. Under the Fair Credit Reporting Act, a consumer reporting agency must provide accurate information. I requested that the bankruptcy be verified, since its showing on my credit report/consumer report. They came back saying it was verified on XX/XX/23. How could they have verified a bankruptcy? Who did they contact in the court to verify the information? I am also aware of my rights under the Fair Debt Collection Practices Act, specifically 15 USC 1692c, which prohibits debt collectors from communicating with third parties regarding my debt. As such, any continued reporting of my bankruptcy is in violation of federal law. A charge off on my consumer report is a violation of my consumer rights. A late payment 15 usc 1681a is a transaction and should not have been added to my consumer report/ credit report. I've requested by phone that my name and address information be updated and all information not current be removed. It's still showing on my reports. I've requested all inquiries be removed off credit report Will you please check into this and have this bankruptcy removed and all transactions removed from my consumer reports/ credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45417
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX This not a verification of the loan. Transunion has continue to discriminate against my rights as a consumer, and will not delete this information from my account. This was a joint with my husband. XXXX has deleted this information from my husbands account in XXXX. XXXX has delete this account from my credit report. Transunion is not fair when it comes to reporting joint information. This account is old and negative for more than seven years. Please see attachment from my husband account. I have received a copy of my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai. ( 2 ) Exclusions-Except as provided in paragraph ( 3 ) the term consumer report does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means. Consumer report ( 1 ) In general- The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for- ( A ) credit or insurance to be used primarily for personal, family, or household purposes : ( B ) employment purposes : or ( C ) any other purpose authorized under section 1681b of this title. FICO or none of its factors are not defined or included in the definition of the consumer report! Therefore, the reporting of transactions between the consumer Myself ( XXXX XXXX ) and XXXX XXXX is a violation of 15 USC 1681a the definition of the consumer report does not include FICO or XXXX which makes their factors or algorithm not a factor where the consumer report is concerned. You have furnished transaction information on the following accounts. XXXX XXXX Account # XXXX 15 USC 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 6802 A financial institution may not, directly or through any affiliate, disclose to a non-affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803. Obligations with respect to disclosures of personal information. A. Before a financial institution report my information, they must ask for my permission. B. Before you report the information you must tell me, and I will give you a yes or no. C. If I say no they must now tell me what I need to do to ensure my information is not given. The information that I give to my financial institution is my personal information. It is confidential. They can not give access to my information without my permission. I did not give XXXX XXXX my permission to give out my personal information. XXXX XXXX has broken the law. XXXX XXXX has broken my trust and confidentiality. This goes against my rights as consumer under the Fair Act. XXXX XXXX never disclosed to me in writing or in electronic form or other forms permitted by the regulations prescribed under Section 6804 of this title, that my information will be disclose to a third party. XXXX XXXX has charged fraudulent late fees and in addition inserted late payments on my consumer report, all payments were made on time, all payments were exact, and all payments were made on their respective due date. CFPB Takes Action Against XXXX XXXX XXXXXXXX for Illegally Charging Junk Fees, Withholding Credit Card Rewards, and Opening Fake Accounts. XXXX XXXX XXXX will pay more than {$100.00} XXXX to harmed consumers, and {$150.00} XXXX in penalties to CFPB and Office of the Comptroller of the Currency XX/XX/XXXX. XXXX XXXX XXXX harmed hundreds of thousands of consumers over a period of several years and across multiple product lines and services. Specifically, XXXX XXXXXXXX XXXX : Deployed a double-dipping scheme to harvest junk fees : XXXX XXXX XXXXXXXX had a policy of charging customers {$35.00} after the bank declined a transaction because the customer did not have enough funds in their account. The CFPBs investigation found that XXXX XXXX XXXX double-dipped by allowing fees to be repeatedly charged for the same transaction. Over a period of multiple years, XXXX XXXX XXXX generated substantial additional revenue by illegally charging multiple {$35.00} fees. My account with XXXX XXXX was never late! This was clearly a billing error, and a double dipping scheme. This account is shameful it has caused severe hardship to my reputation, my character, my mode of living and to my family! I need the following late payments Deleted : XXXX XXXX Account # XXXX 15 SC 1666b ( a ) Time to make payments A creditor may not treat a payment on a loan account under an open consumer credit plan as late for any purpose. Delete the following late payments from my consumer reports : XXXX XXXX # XXXX Yours truly, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AK
Zip: 995XX
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor : - XXXX has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy ( 15 USC 1681 section 604A section 2 ). It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 2ai a creditor may not treat a payment on a credit account under a term loan plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37206
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A