Date Received: 2024-01-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am reaching out to your agency in regards to the accounts mentioned below. I am requesting that these accounts not only be brought up to date regarding all the information that entails, I would also like to obtain documents or contract agreements from the original creditors and/or signed documents that bear my signature as proof that these accounts are in association with me. As a consumer, I am aware of my rights to question the accounts and have them properly investigated, updated or removed. Your inaccurate and incomplete reports are affecting me in negative ways and are in VIOLATION of the FCRA. My only complete accurate and full desired reported address is XXXX XXXX XXXX XXXX XXXX, NY XXXX. I do not have any requisite other current addresses and I do not desire any other addresses to be retained or reported, if any delete now or produce proof of your legitimate authoruty to retain much less report without infringing my consumer rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10472
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60477
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. Notation of the late payments for XXXX XXXX are inaccurate. Pleas investigate and verify that all data for this account is report accurately including every notation date and balance whether reported or not. I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to sep all statements and payment transaction records from the ere that would prove that my payment was not submitted on time g my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late please update my payment history to PAANL status ( Paid As XXXX Agreed, Never Late ) according to consumer protection laws. XXXX I contacted them and was to receive a call back, never received it. XXXX I contacted them again, no response. XXXX No resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: 009XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have sent dispute letters to all three bureaus. My XXXX and Transunion report is not reporting accurate information like XXXX. Status is incorrect and showing late for XXXX XXXX. This account was not removed/deleted or updated for XXXX and TransUnion but this account is not showing on XXXX at all. It is also showing different statuses. TranUnion states " 60 days past due '' and XXXX is showing " not more than two payments past due ''. XXXX has deleted this account. I have documents and proof attached showing what I have stated is accurate and that I have sent certified letters. 15 U.S. Code 1681e ( b ) states " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 388XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: TRANSUNION is violating my consumer rights by not furnishing my consumer report in accordance with my written instructions. My rights under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) ( 2 ) supports my written instructions for TRANSUNION to remove any accounts from my report, at my demand, as a requirement by law, to fulfill their lawful obligation, as it pertains to furnishing my report in accordance with my written instructions. Ive requested several times that they promptly remove accounts from my consumer credit report and update my report to no longer show any history of these accounts. After numerous attempts ( several hours ) to let them know that they were in violation of my rights and not fulfilling their lawful obligations, employees one after another, including supervisors, told me they were not going to remove the accounts from my report and they would continue to furnish my report against my written instructions which is a direct violation of 15 U.S. Code 1681b, Permissible purposes of consumer reports- ( a ) ( 2 ) and proceeded to hang up on me. THIS IS NOT A DISPUTE. THESE ARE WRITTEN INSTRUCTIONS. They have only sent mere statements saying things about a dispute and other nonsense that has not resulted in the removal of the accounts per my written instructions, which does not constitute fulfillment of my written instructions, which under law they must oblige. I DEMAND that they remove the following accounts immediately from my report and fulfill their lawful obligations : Account # XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : XXXX XXXX XXXX : Individual Date Opened : XX/XX/XXXX Status : Collection account. {$460.00} past due as of XX/XX/XXXX. Status Updated : XX/XX/XXXX Balance : {$460.00} Balance Updated : XX/XX/XXXX Original Balance : {$460.00} Terms : 1 Months On Record Until : XX/XX/XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off. {$620.00} written off. {$620.00} past due as of XX/XX/XXXX. Status Updated : XX/XX/XXXX Balance : {$620.00} Balance Updated : XX/XX/XXXX Credit Limit : {$400.00} Highest Balance : {$620.00} On Record Until : XX/XX/XXXX Account # XXXX Account Name : XXXX XXXX XXXX Terms Frequency : XXXX Balance : $ 0 Months Reviewed : XXXX Activity Designator : TRANSFER_OR_SOLD Date of First Delinquency : XX/XX/XXXX Owner : Individual Account Type : OTHER Term Duration : XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Delinquency First Reported : XX/XX/XXXX Creditor Classification : UNKNOWN
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Credit score dropped XXXX points due to a decrease of an account balance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
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: 33025
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone has stolen my identity. I called the credit reporting agencies letting them know the inquiries and accounts are unauthorized/ not supposed to be visible on my consumer report. Never gave them permission or consent to report these unauthorized accounts. This is Aggravated Identity Theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07205
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: False or deceptive portrayals You violated 15 U.S. Code 1681s2 ( 3 ) of the FCRA. I protested these inaccuracies more than 35 days ago, but you have yet to mark them as disputed. You lead me to lose out on opportunities by incorrectly reporting this item and failing to indicate that it was disputed. The following elements should be removed from my consumer report XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> XXXX. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 3. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 4. " 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) XXXX reports in connection with credit or insurance transaction That is not initiated by the consumer '' XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. XXXX. FDCPA section 807 violation misleading false reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 6. 15 U.S. Code 1645 Business credit cards limits on liability of employees XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. XXXX XXXX Account Number : XXXX Please remove it from my credit report. As evidenced, you are required to provide notification within 30 days, not one day later. As a consumer, the accounts listed in this letter must be deleted immediately, or I will file a claim for monetary damages in small claims court in my city and state under 15 USC 1681n civil liability because my rights have been infringed. In addition, we have already sent this letter to the Complaint portals for the Consumer Financial Protection Bureau, the State Attorney General 's Office, XXXX XXXX XXXX XXXX, and the Federal Trade Commission. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: In XXXX i called XXXX XXXX XXXX to do a voluntary repossession because covid made my job shut down and my income was becoming to looking unreliable so they got the car and a month later they reported on my credit that the car payment was late even though when I gave the car back I was currently on my payments Than XXXX months later they auction off the car and it sold for more than i owed so i was given money back than they put account closed paid in full or sold to a collection on my account remarks which wasnt true so lenders thought i owed on that account than going on almost XXXX years later they changed my remarks into a repossession so my credit score dropped XXXX points on XX/XX/XXXX on a account closed almost XXXX years ago in XXXX iand they havent reimburse me for the remaining months of the gap insurance I didnt use
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33612
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A