Date received
stringclasses 53
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stringclasses 3
values | Sub-product
stringclasses 6
values | Issue
stringclasses 22
values | Sub-issue
stringclasses 69
values | Consumer complaint narrative
stringlengths 37
31k
| Company public response
stringclasses 9
values | Company
stringclasses 237
values | State
stringclasses 55
values | ZIP code
stringlengths 5
5
| Tags
stringclasses 3
values | Consumer consent provided?
stringclasses 1
value | Submitted via
stringclasses 1
value | Date sent to company
stringclasses 53
values | Company response to consumer
stringclasses 4
values | Timely response?
stringclasses 2
values | Consumer disputed?
float64 | Complaint ID
int64 10.6M
11.3M
|
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
11/19/24
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
RI
|
02860
| null |
Consent provided
|
Web
|
11/19/24
|
Closed with explanation
|
Yes
| null | 10,856,767 |
11/19/24
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
TX
|
757XX
| null |
Consent provided
|
Web
|
11/19/24
|
Closed with explanation
|
Yes
| null | 10,856,797 |
11/20/24
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
TX
|
76123
| null |
Consent provided
|
Web
|
11/20/24
|
Closed with non-monetary relief
|
Yes
| null | 10,856,883 |
11/20/24
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
TX
|
75089
| null |
Consent provided
|
Web
|
11/20/24
|
Closed with explanation
|
Yes
| null | 10,856,932 |
11/20/24
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Problem with a company's investigation into an existing problem
|
Investigation took more than 30 days
|
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date.
The items below should all be updated to paid as agreed on my consumer report.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
NJ
|
07002
| null |
Consent provided
|
Web
|
11/20/24
|
Closed with non-monetary relief
|
Yes
| null | 10,858,045 |
11/04/24
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account status incorrect
|
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible.
The items in dispute are as follows : 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 has responded to the consumer and the CFPB and chooses not to provide a public response
|
Fidelity National Information Services, Inc. (FNIS)
|
CA
|
93215
| null |
Consent provided
|
Web
|
11/04/24
|
Closed with explanation
|
Yes
| null | 10,673,961 |
11/19/24
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
|
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due tXXXX XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion.
Please delete the following accounts XXXX Account number : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX Account number : XXXX *
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
MA
|
01604
| null |
Consent provided
|
Web
|
11/19/24
|
Closed with explanation
|
Yes
| null | 10,858,892 |
11/20/24
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Problem with a company's investigation into an existing problem
|
Investigation took more than 30 days
|
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 has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
CA
|
93550
| null |
Consent provided
|
Web
|
11/20/24
|
Closed with non-monetary relief
|
Yes
| null | 10,858,983 |
11/20/24
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account status incorrect
|
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!
I demand the late payment to be updated.
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.
This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Update the late payments from my consumer reports
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
FL
|
33313
| null |
Consent provided
|
Web
|
11/20/24
|
Closed with non-monetary relief
|
Yes
| null | 10,859,009 |
11/13/24
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Problem with a company's investigation into an existing problem
|
Investigation took more than 30 days
|
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 has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
CA
|
90638
| null |
Consent provided
|
Web
|
11/13/24
|
Closed with non-monetary relief
|
Yes
| null | 10,788,984 |
11/13/24
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Problem with a company's investigation into an existing problem
|
Difficulty submitting a dispute or getting information about a dispute over the phone
|
I have been locked out of my online account for two months I have been asking for help to regain access as part of the verification is XXXX digit card number which I did not have the representative said they sent a card out and it was never activated on there side because it was not received on a recent call again for the XXXX time I asked that someone help me access my account because I have reoccurring charges and one had for declined which prompted me to call again they said they would remove late fees because of this error and to wait for new card to come they would expedite it I received the card and activated today and called they told me a form was down and to write a letter when I know that will not resolve and then was hung up on three times when asking for a supervisor they recently marked my credit report late after they are removing those fees because I couldnt verify the account with the credit card and it has caused two of my other cards to reduce my limits as a result of this false report
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
NY
|
12553
| null |
Consent provided
|
Web
|
11/13/24
|
Closed with non-monetary relief
|
Yes
| null | 10,789,481 |
11/13/24
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
MD
|
21133
| null |
Consent provided
|
Web
|
11/13/24
|
Closed with non-monetary relief
|
Yes
| null | 10,791,836 |
11/13/24
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
I, XXXX XXXX, the undersigned XXXX, hereby declare under penalty of perjury that the following statements are true, correct, and complete to the best of my knowledge and belief : 1. Unauthorized Use of Personal Information I did not authorize any individual or entity to use my name, Social Security number, or any personal information to obtain money, credit, loans, goods, or services, or for any other purpose. Any accounts or inquiries associated with my name that I did not initiate were established through fraudulent means.
2. Identity Verification I am prepared to verify my identity using the following documents, which I have attached to this affidavit : A copy of my Passport ID A copy of my Social Security Card A recent Bank Statement showing my current address to confirm proof of residence XXXX. Inaccurate and Fraudulent Information The following accounts were fraudulently opened or linked to my identity without my authorization. I request that these accounts be immediately removed from my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Unauthorized Credit Inquiries I also request the removal of the following inquiries, as they were conducted without my consent and are the result of identity theft : FXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Incorrect Employment Information The following employment information is outdated or incorrect and was likely used fraudulently. Please remove it from my credit report : Employment Information : XXXX XXXX XXXX XXXX. FTC Identity Theft Report I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ). The report number is XXXX, and a copy is attached to this affidavit as further evidence of my claim.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
SC
|
29301
|
Servicemember
|
Consent provided
|
Web
|
11/13/24
|
Closed with non-monetary relief
|
Yes
| null | 10,790,861 |
11/13/24
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Problem with a company's investigation into an existing problem
|
Their investigation did not fix an error on your report
|
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 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 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 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 XXXXXX/XX/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 has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
NJ
|
080XX
| null |
Consent provided
|
Web
|
11/13/24
|
Closed with non-monetary relief
|
Yes
| null | 10,790,896 |
11/13/24
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
MI
|
49022
| null |
Consent provided
|
Web
|
11/13/24
|
Closed with non-monetary relief
|
Yes
| null | 10,791,292 |
11/13/24
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
|
I was told that multiple hard credit checks ( shopping rates for purchasing a home ) within 30 days wouldnt damage my credit score. I decided to be thorough and had 28 credit checks for mortgage rate shopping from XX/XX/XXXX to XX/XX/year>, and this caused my credit score to drop significantly. I was told that this wouldnt cause my score to drop. And I am trying to close on a house this month!
Also, I have paid off my credit card debt, but the debt is still showing up on my credit report, and is still damaging my credit score. I have never had my credit score be below 700 until now ( now its only XXXX! ). If I dont receive help from these credit companies quickly, I might lose the home Im trying to get. Please help me with this.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
UT
|
84054
| null |
Consent provided
|
Web
|
11/13/24
|
Closed with non-monetary relief
|
Yes
| null | 10,791,452 |
11/13/24
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Problem with a company's investigation into an existing problem
|
Their investigation did not fix an error on your report
|
This account was charged off on XX/XX/XXXX. Since then the date of last activity has been inconsistently updated. On XXXX the date of last activity is XX/XX/XXXX on Transunion its XX/XX/XXXX and on XXXX its XX/XX/XXXX, with all XXXX bureaus being last reported in XX/XX/XXXX. If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so its deemed as inaccurate. Please delete this account from my report.
Account Number : XXXX Account Name : XXXX
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
NJ
|
08054
| null |
Consent provided
|
Web
|
11/13/24
|
Closed with non-monetary relief
|
Yes
| null | 10,790,653 |
11/13/24
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Problem with a company's investigation into an existing problem
|
Their investigation did not fix an error on your report
|
XXXX XXXX XXXX is charging interest and making my credit go down, They may only charge interest and fees as they were outlined in the original contract. That's a rule specifically defined in the Fair Debt Collection Practices Act ( FDCPA ). I did not sign a contract with XXXX XXXX XXXX and i have asked transunion multiple times to provide me with this proof, they keep sending me a letter stating its accurate and thats it. My name is not enough for proof. This is not my debt and i do not owe any apartment complex any money, if this was the case there would be a eviction on file with maryland courts. I am demanding to remove off my credit, this is hurting my credit everytime they add interest that is not even apart of any contract i have signed. This is not a credit card or open loan to add interest because they took the debt from a company that is stating its mines and i explained to them that this debt is not my debt. They are refusing to remove this debt off my credit and this is against the fair credit reporting laws in maryland. XXXX XXXX XXXX has long term records of making people pay debts that are not theirs, they are harassing 's me and very aggressive trying to tell me this is my debt and sending me a lease for proof. that is not proof of the debt the complex is stating is mines.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
MD
|
212XX
| null |
Consent provided
|
Web
|
11/13/24
|
Closed with non-monetary relief
|
Yes
| null | 10,791,592 |
11/13/24
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX.
ACCOUNTS : XXXX XXXX XXXX - XX/XX/XXXX - {$2000.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2700.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX XXXX {$290.00}
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
IL
|
60153
| null |
Consent provided
|
Web
|
11/13/24
|
Closed with non-monetary relief
|
Yes
| null | 10,791,473 |
11/13/24
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information is missing that should be on the report
|
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
NY
|
10034
| null |
Consent provided
|
Web
|
11/13/24
|
Closed with non-monetary relief
|
Yes
| null | 10,790,176 |
11/13/24
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account status incorrect
|
DATE : XX/XX/year> RE : REQUEST FOR REMOVAL OF INACCURATE ACCOUNTS FROM MY CREDIT REPORT.
DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING.
I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. BELOW ARE THE DETAILS OF THE INACCURATE ACCOUNTS : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : 1. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION.
2. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY.
3. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION.
I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED.
PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS.
SINCERELY, XXXX XXXX
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
NY
|
11433
| null |
Consent provided
|
Web
|
11/13/24
|
Closed with non-monetary relief
|
Yes
| null | 10,779,400 |
11/13/24
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information is missing that should be on the report
|
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
IL
|
60629
| null |
Consent provided
|
Web
|
11/13/24
|
Closed with non-monetary relief
|
Yes
| null | 10,790,749 |
11/12/24
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Problem with a company's investigation into an existing problem
|
Their investigation did not fix an error on your report
|
I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off.
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.
Thank you for your prompt attention to this matter.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
CT
|
06450
| null |
Consent provided
|
Web
|
11/12/24
|
Closed with non-monetary relief
|
Yes
| null | 10,752,270 |
11/13/24
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information is missing that should be on the report
|
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).
"
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
IL
|
60619
| null |
Consent provided
|
Web
|
11/13/24
|
Closed with non-monetary relief
|
Yes
| null | 10,790,163 |
11/13/24
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Problem with a company's investigation into an existing problem
|
Investigation took more than 30 days
|
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.
Outstanding Compliance Issues :
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
CA
|
95124
| null |
Consent provided
|
Web
|
11/13/24
|
Closed with non-monetary relief
|
Yes
| null | 10,791,169 |
11/13/24
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
|
Transunion XXXX XXXXXXXX XXXX XXXX, PA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with others including consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
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 consumeras a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) 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 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 remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, D.CXXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
GA
|
31204
| null |
Consent provided
|
Web
|
11/13/24
|
Closed with explanation
|
Yes
| null | 10,787,489 |
11/13/24
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
|
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.
As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.
The identity of the entity or entities responsible for conducting the verification process.
Any documentation or evidence used to substantiate the accuracy of the disputed items.
I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
PA
|
19104
|
Servicemember
|
Consent provided
|
Web
|
11/13/24
|
Closed with non-monetary relief
|
Yes
| null | 10,790,544 |
11/13/24
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information is missing that should be on the report
|
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
MS
|
38637
| null |
Consent provided
|
Web
|
11/13/24
|
Closed with non-monetary relief
|
Yes
| null | 10,791,121 |
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