Date Received: 2024-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To Whom it XXXX concern, I sent a letter on XX/XX/XXXX to the Attorney General of Texas represented by " XXXX XXXX XXXX '' on my credit report, opting out of them reporting to the credit bureaus. Per 16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. Per the Fair Credit Reporting Act as a federally protected consumer I am now opting out of any and all authorization, I the consumer my have given you written, unwritten, verbal, and non-verbal per 15 USC 6802 to 15 USC 6805. My rights have been violated, per 15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), XXXX consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I gave no such written instructions. This also violates my right under the Privacy Act of XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77545
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. 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: FL
Zip: 33647
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: I have rights to ensure that your private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like XXXX and XXXX to exercise fairness, impartiality, and respect for my privacy These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed you of my right to exercise your nondisclosure option. Additionally, they are reporting adverse information about my account without my permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19711
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: LA
Zip: 70706
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: 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: TX
Zip: 77077
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: TransUnion continues to violate privacy report non credit personal transactions on my report stating that they verified it with the furnished which is clear and willful non compliance an I am tied of submitting disputes just to receive the same auto generated letters back in the mail for instance they allowed XXXX XXXX XXXX XXXX to illegally report a fraudulent debt on my account for XXXX months an if I would have never been a victim of the XXXX breach and pulled all reports they would have still been allowing my identity to misused at the detriment of my lively hood and is liable under the applicable title in FCRA for monetary relief for the willful and negligent non compliance an the deletion of the account serves as proof to support this claim XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX started and went on for XXXX months now they are in a federal lawsuit and I dont mind adding TransUnion as a party of interest. See the attached deletion is admitting and its all coming together as a violation of my civil rights under HIPPA due to it being medical information related that they are passing around for profit so here I come transunion here I come!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77539
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
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 30 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 UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TU 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
Date Received: 2024-01-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writi ng to follow up on my previous XXXX XXXX sent on XXXX XXXX ago from the date of this XXXX XXXX, regarding the dispute of certaininformati on in my credit fi le. I am specifi cally addressing the XXXX informati on listed below as a victi m of identi ty theft ; XXXX XXXX XXXX in letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33603
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: Delete hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX 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: CA
Zip: 91401
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 status incorrect
Consumer Complaint: Subject : Inaccurate Flagging of New Derogatory Marks on Credit Reports Post-XXXX XXXX Bankruptcy Complaint Details : In XX/XX/XXXX, I filed for XXXX XXXX bankruptcy due to significant XXXX XXXX XXXX XXXX XXXXeading to a loss of income. Since the filing, I have adhered strictly to the bankruptcy plan without incurring any new derogatory credit activity. I am facing a critical issue with my credit reports maintained by XXXX, XXXX, and TransUnion, following my XX/XX/XXXX filing date. There has been no new derogatory activity on my accounts since the filing ; however, recent updates have led to misleading reports of new derogatory activity on all accounts. Issue with Credit Bureaus ( XXXX, XXXX, TransUnion ) : Inaccurate Reporting of New Derogatory Marks : My student loan, originally with the US Department of Education and subsequently transferred to XXXX, was consistently paid on time and never incurred any late payments. However, in XX/XX/XXXX, it was reported with a " petition for XXXX XXXX bankruptcy '' status update. This update, along with the Date of Last Activity ( DOLA ) marked as XX/XX/XXXX, erroneously portrayed the account as having a new derogatory mark. It's important to note that there has been no new activity on this account since my XXXX XXXX bankruptcy filing in XX/XX/XXXX. To accurately reflect my payment history, the status update or DOLA should be amended to XX/XX/XXXX. Alternatively, the account status could be adjusted to 'open and paid as agreed, ' considering that I have consistently made timely payments and the account is currently deferred due to my enrollment in school. Errors Resulting from XXXX Disputes : In XX/XX/XXXX, I noticed that XXXX had erroneously marked several of my accounts as " 90 days late, '' despite this being incorrect for the majority of them. Upon contacting an XXXX representative for rectification, he initiated disputes for all my accounts, including those that were reporting correctly and did not require a dispute. This action inadvertently triggered updates across all three credit bureaus ( XXXX, XXXX, and TransUnion ) on several accounts, leading to status updates and Date of Last Activity ( DOLA ) inaccurately marked between XX/XX/XXXX and XX/XX/XXXX. Consequently, these updates have been mistakenly interpreted as multiple new derogatory marks, despite the fact that the actual last activity on these accounts dates back to XX/XX/XXXX, and they have been consistently paid as agreed per the XXXX XXXX plan. Impact : The inaccurate reporting by the credit bureaus has caused a sudden and drastic decline in my credit scores, leading to a significant misrepresentation of my creditworthiness. Despite the absence of any new financial activity on these accounts since my XXXX XXXX bankruptcy filing in XX/XX/XXXX, they are erroneously being reported as new financial activity and as new derogatory marks. This mischaracterization has led to immediate and substantial financial repercussions. Most critically, it has jeopardized the closure of a pending mortgage, thereby placing essential financial opportunities in jeopardy. These inaccuracies have not only distorted the true picture of my financial history but also threaten to upend vital steps in my financial recovery and stability, particularly my plans to purchase a home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 541XX
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A