Date Received: 2024-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have made several attempts to correct this inaccurate reporting with no success. I would like to opt out of the following reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am invoking The Privacy act of 1974, Fair Credit Reporting Act and FERPA because XXXX, XXXX, and Transunion are not maintaining reasonable procedures to insure accuracy of the information they report. I am opting out of these reporting services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94501
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
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: I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023 & XXXX XXXX XXXX Date of Inquiry XX/XX/2023
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46074
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: 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: GA
Zip: 30078
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: I disputed more than five times XXXX XXXX XXXX XXXX XXXX I stated Im a victim of the XXXX XXXX breach my personal information was compromised XXXX sent in police report ftc report id social and proof of address , and nothing changed got a letter stating information accurate account remains on credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
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: 2024-01-20
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: NY
Zip: 11580
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: 2024-01-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Ive recently check my credit report in because I decided to change my life and chase my dreams and noticed a few in accuracies on my profile. Please check every piece of information and make sure its accurate and accountable in accordance to the Fair Credit Act
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33407
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: 2024-01-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have submitted an ID theft report from the ftc as well as a police report regarding the identity theft and they have still been reporting this account on my credit file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60620
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: 2024-01-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have submitted an ID theft report from the ftc as well as a police report regarding the identity theft and they have still been reporting this account on my credit file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60620
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: 2024-01-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I reviewed my consumer reports and noticed that I had XXXX hard inquiries on credit report which I did not authorize. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to best of their ability and with maximum accuracy. I demand these inquiries to be removed as they should be due to the fact that I never authorized. Thanks! Please see the below inquiries. 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: 27519
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: 2024-01-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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: 34638
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A