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12/03/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with fraud alerts or security freezes | null | I GOTTEN AN AUTO LOAN FROM WELLS FARGO IN 2018. THEY FORCE ME TO CONTINUE TO MAKE PAYMENTS DURING THE PANDEMIC. THEN AFTERWARDS REPO THE TRUCK. NOW ITS ON MY CREDIT REPORT. I ALSO TRIED CONTACTING THEM ABOUT IT AND THE CLASS ACTION LAWSUIT. NO RESPONSE NO HELP NO NOTHING. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | VA | 229XX | null | Consent provided | Web | 12/03/24 | Closed with explanation | Yes | null | 11,008,386 |
11/15/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 78258 | null | Consent provided | Web | 11/15/24 | Closed with non-monetary relief | Yes | null | 10,810,577 |
12/16/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is a response to complaint XXXX ( Ive attached your reply ).
If I understand correctly, you removed all fraudulent information on XX/XX/year>. However, as of today ( XX/XX/year> ), XXXX has again declined my dispute to remove this fraudulent account, stating that the bank confirmed it as legitimate.
Could you please ensure that XXXX is contacted and this account is permanently removed? Ive been dealing with this issue for 800 days and every time your response Please wait for 60 days doesnt work. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | UNITED SERVICES AUTOMOBILE ASSOCIATION | WA | 98011 | null | Consent provided | Web | 12/16/24 | Closed with explanation | Yes | null | 11,167,680 |
11/16/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60649 | null | Consent provided | Web | 11/16/24 | Closed with explanation | Yes | null | 10,821,521 |
11/15/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you. | 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 | 11/15/24 | Closed with non-monetary relief | Yes | null | 10,816,517 |
12/16/24 | Credit card | General-purpose credit card or charge card | Other features, terms, or problems | Problem with balance transfer | XX/XX/year> requested a balance transfer from Citibank Double Cash Master Card {$850.00} to my XXXX XXXX XXXX. XXXXXXXX XXXX app showed the payment was duplicated removed duplicated and again and again. Its now XXXX. I have spoke with numerous account managers. XXXX said they needed REVERSAL TRANSMITTAL REPORT, Citibank said they don't do that. But provided Customer ID and Trace ID.
Citibank provided two Balance Transfer Confirmation for that date with the same DATE, CUSTOMER ID and TRACE ID. One states {$850.00} the other states {$8.00}.
Neither Company will help to resolve this issue. Now my XXXX account is over the credit amount and my Credit Score dropped over XXXX points yesterday.
I need resolve! Someones books did not balance XX/XX/year>. Can we please find out where the mistake lies and correct it. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | IL | 60014 | Older American | Consent provided | Web | 12/16/24 | Closed with explanation | Yes | null | 11,165,319 |
11/08/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction.
I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60643 | null | Consent provided | Web | 11/08/24 | Closed with explanation | Yes | null | 10,730,581 |
11/08/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 75032 | null | Consent provided | Web | 11/08/24 | Closed with non-monetary relief | Yes | null | 10,734,036 |
11/23/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate.
Please remove the following inaccurate address from my credit report : NATIONWIDE CASSEL LLC # XXXX I noticed you are reporting multiple late payments on my credit history. I dont believe these to be accurate. Please check your records and verify the accuracy of each late payment being reported by your company. XXXX XXXX XXXX XXXXXXXX I noticed you are reporting multiple 30 day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify this account.
XXXX XXXX XXXX Please verify this account Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation.
XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | NATIONWIDE ACCEPTANCE LLC | IL | 60438 | null | Consent provided | Web | 12/10/24 | Closed with explanation | Yes | null | 10,904,714 |
12/11/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I am writing to formally dispute an error on my credit report, which inaccurately reflects delayed lease payments for my new XXXX lease. This issue is inconsistent with my prior leasing history, during which I maintained an impeccable payment record.
Details of the Error : The issue arose due to a series of miscommunications and delays associated with the payment process, as detailed below : 1. Change in Financial Institution : I was unaware that XXXX had selected US Bank for my new lease payments.
2. Lack of Communication : I did not receive a welcome kit or guidance about creating a new account with US Bank for payment processing.
3. Delayed Notifications : Letters from US Bank regarding the account setup arrived late.
4. Missing Alerts : I did not receive timely emails, calls, or text messages alerting me to issues with the payment process.
5. Bank Error : When my first payment was made, it was processed with an incorrect account number but was accepted. Autopay was subsequently set up with the same incorrect account information and was also accepted. This led me to believe payments were successfully being processed.
When I finally received a letter indicating that the payment and autopay setup had failed due to an error, I immediately updated my banking details to correct the issue. Despite my prompt action, my credit score dropped by nearly XXXX pointsa drastic and unwarranted penalty for a problem rooted in procedural and communication failures.
I have reached out to US Bank but they did not address my issue. Subsequently, I reached out to XXXX, XXXX, and XXXX to dispute this error. Unfortunately, their responses were unsatisfactory. It appears they did not thoroughly review my letters or the attached documentation, as their replies merely referred to the US bank certification without addressing the core issues I raised.
I have attached copies of letters from US Bank that confirm my attempts to make the payment and establish autopay for all future payments. Additionally, my prior lease payment history with XXXX demonstrates that this error is an isolated incident and does not reflect my financial responsibility.
I kindly request that you please investigate into this matter and correct the inaccurate information regarding late payments from my credit report.
If further information or documentation is required, please let me know. I look forward to your prompt attention to this matter and a resolution as soon as possible. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | CA | 913XX | null | Consent provided | Web | 12/11/24 | Closed with non-monetary relief | Yes | null | 11,101,142 |
11/22/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am writing to formally report that I am a victim of identity theft. An unauthorized credit inquiry has been made on my credit report without my consent. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and permanent deletion of the following inquiry from my credit report : XXXX XXXX : XXXX. XXXX XX/XX/year> | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MD | 20721 | null | Consent provided | Web | 11/22/24 | Closed with non-monetary relief | Yes | null | 10,882,353 |
11/08/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | 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 XXXX XXXX XX/XX/year> - {$950.00} INQUIRIES : XXXX XXXX XXXXXX/XX/year> | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33161 | null | Consent provided | Web | 11/08/24 | Closed with non-monetary relief | Yes | null | 10,729,830 |
12/17/24 | Credit card | General-purpose credit card or charge card | Closing your account | Can't close your account | NETSPEND CONTINUES TO LIE ABOUT NEEDING MORE TIME to answer my CFPB complaint.
They promised to PAY me in XXXX. They paid PART of what they owed on closing my account BUT STILL OWE ME OVER {$1000.00}!
When I complained YOU CLOSED THE COMPLAINT AS A DUPLICATE.
IT IS NOT A DUPLICATE!
I NEED MY MONEY! IT IS MY MONEY, NOT NETSPEND 's! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Neon Newco Corporation | VT | 054XX | Older American | Consent provided | Web | 12/17/24 | Closed with explanation | Yes | null | 11,185,880 |
11/22/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | " I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.
As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.
" | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 75078 | null | Consent provided | Web | 11/22/24 | Closed with non-monetary relief | Yes | null | 10,903,544 |
11/23/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | 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.
Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 | 953XX | null | Consent provided | Web | 11/23/24 | Closed with non-monetary relief | Yes | null | 10,911,072 |
12/12/24 | Credit card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | I have rights created by federal law. The Fair Credit Billing Act ( FCBA ) allows consumers to dispute credit card charges and withhold payment while the dispute is resolved.
On XX/XX/2024, I noticed a charge on my account that I believe to be in error, totaling {$110.00}. ) manually entered charge ). After reviewing the details, I am convinced this transaction does not accurately reflect the services rendered or products purchased. I have attached any relevant documentation I possess to support my claim, including receipts and communication logs.
[ XXXX XXXX XXXX XXXX quarterly I paid {$72.00}, I requested an additional waste bin via email to customer service because I am a new home XXXX XXXX who receives over XXXX boxes per month of XXXX supplies. The response was accepted at an additional {$7.00} per month via XXXX XXXX customer service email, XXXX XXXX XXXX -manually overcharged my account going over the credit limit ( by charging {$110.00}! ) ] See supporting documentation of quarterly billing of {$72.00}, XXXX XXXX response of {$7.00} additional, then price gouging of {$110.00} billing. ] As a valued customer of US Bank, I appreciate your institution 's commits The Fair Credit Billing Act ( XXXX ) customer satisfaction and dispute resolution. Therefore, I kindly request that you investigate this matter thoroughly. Additionally, to alleviate the financial impact this charge has caused, I would appreciate it if you could provide the provisional credit of {$100.00} to my account while the investigation is underway. AND NOT ANOTHER UNABLE TO ASSIST NOTIFICATION. TWICE I HAVE CALLED AND SUPPLIED ALL INFO REQUESTED trust in your ability to resolve this issue amicably and look forward to your prompt response. Thank you for your attention to this matter, and please feel contact me at XXXX or XXXX should you require further information. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | NV | XXXXX | Older American | Consent provided | Web | 12/12/24 | Closed with explanation | Yes | null | 11,108,844 |
11/08/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. 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.
XXXX XXXX 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. | TX | 75115 | null | Consent provided | Web | 11/08/24 | Closed with non-monetary relief | Yes | null | 10,734,095 |
11/14/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | " After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. '' | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | OH | 45322 | null | Consent provided | Web | 11/14/24 | Closed with non-monetary relief | Yes | null | 10,805,504 |
11/09/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | My birth certificate had been taken along with some other things at a storage facility. I also have been the victim of several data breaches such as XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Trans Union XXXX XXXX, XXXX XXXX XXXX and several other that XXXX XXXX has made me aware of. The following unknown charges appear of my various credit reports.
XXXXXXXX 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$0.00} ( I have no children born in or live in TN ) XXXX XXXX XXXX XXXX {$35000.00} ( This has been paid for years ) | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IN | 46218 | null | Consent provided | Web | 11/09/24 | Closed with non-monetary relief | Yes | null | 10,728,772 |
11/08/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 765XX | null | Consent provided | Web | 11/08/24 | Closed with non-monetary relief | Yes | null | 10,733,541 |
12/01/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of tge alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX. {$66.00}, XXXX XXXX XXXX XXXX. {$160.00}, XXXX XXXX XXXX XXXX. {$27000.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CREDIT ACCEPTANCE CORPORATION | IL | 60644 | null | Consent provided | Web | 12/01/24 | Closed with explanation | Yes | null | 10,988,249 |
11/08/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.
Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.
Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.
Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 78613 | null | Consent provided | Web | 11/08/24 | Closed with non-monetary relief | Yes | null | 10,735,408 |
11/27/24 | Credit card | Store credit card | Improper use of your report | Reporting company used your report improperly | In accordance with the fair credit reporting act DILLARDS/ CBNA has violated my rights under 15USC1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | FL | 32225 | null | Consent provided | Web | 12/04/24 | Closed with non-monetary relief | Yes | null | 10,945,958 |
12/05/24 | Credit card | General-purpose credit card or charge card | Trouble using your card | Credit card company won't increase or decrease your credit limit | I had a business credit card with XXXX XXXX with a limit of XXXX after a few months, I had a balance of $ XXXX was due XX/XX/XXXX, XXXX days later they reduced my limit from XXXX to XXXX for no reason. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | TX | 786XX | null | Consent provided | Web | 12/05/24 | Closed with explanation | Yes | null | 11,035,201 |
11/14/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information is missing that should be on the report | " The 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 TILA US Code 1666B since I was never late.
I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
" | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60419 | null | Consent provided | Web | 11/14/24 | Closed with non-monetary relief | Yes | null | 10,805,224 |
12/13/24 | Credit card | General-purpose credit card or charge card | Problem when making payments | Problem during payment process | I Have a Best Buy Citi Card. Mistake i know, Problem is the fees and interest on a charge that was not mine have racked up 2x the total cost of this fraud. And i remanded my self to pay the minimum to keep my credit in tact. Now after a whole 18 months ive been locked out of my account and the XXXX XXXX dollars ive already paid to this card has not gone to the principle of something like XXXX XXXX dollars. Yet they refused to give me any evidence of the claim and rectify the card issue. Someone used the number out of state to order some items when i didnt have the card in use.
Ok so now 18 months later best buy after i brought up this issue has locked me out of the account online. Which is the only way to access the account i dont get mail for and the dont contact me about. They disconnected my auto pay and left it to default with the only way for me to may a payment is over the phone. Funny enough they demanded today i pay a fee with that payment for them to give me back my online access. So i kindly declined, I was smart enough to record the conversation after they attempted to slightly steer me to a different customer service dept which apparently none of their phones are working. Or maybe i just made them uncomfortable that i know my rights. They can not change rules for one person and make it seem malicious or vindictive as im the one trying to pay the bill thats been non current for 3 days. Not from my own actions. So i called back numerous times told them i wanted to pay online as ive done since the issue 18 months ago and finally this last time was rudely hung up on and told to " Figure it out ''. I Just cant believe this is how CITI and Best Buy operate, I knew of there Scams on repairs in house and warranties but i dont even do business with them anymore im just paying the minimum on a card ive technically not even used in almost 2 years. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | OK | 738XX | Servicemember | Consent provided | Web | 12/13/24 | Closed with non-monetary relief | Yes | null | 11,152,360 |
11/15/24 | Credit reporting or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Other problem getting your report or credit score | My credit card with XXXX XXXX is not being properly updated within the three credit bureaus to display my credit limit increase. Every month this becomes a problem and Im unsure on what end to point the finger. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 308XX | null | Consent provided | Web | 11/15/24 | Closed with non-monetary relief | Yes | null | 10,811,747 |
11/15/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and 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 reported to be removed/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.
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! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | OH | 44136 | null | Consent provided | Web | 11/15/24 | Closed with non-monetary relief | Yes | null | 10,809,226 |
11/15/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | Subject : Dispute of Unauthorized Inquiries on My Credit Report Dear Sir/Madam : I am writing to dispute certain inquiries on my credit report that I believe to be unauthorized and therefore incorrect. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have only accurate, verified, and authorized information on my credit report. I am requesting the removal of these inquiries from my report as I did not explicitly authorize any of them.
Details of the Disputed Inquiries : Requesting Entities : XXXX Inquiry Dates : XXXX XXXX XXXX Entities : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Requesting Entities : XXXX XXXX XXXX Dates : XX/XX/XXXX Requesting Entities : XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX Requesting Entities : XXXX Inquiry Dates : XX/XX/XXXX Requesting Entities : XXXX XXXX Inquiry Dates : XX/XX/XXXX Requesting Entities : XXXX XXXX Inquiry Dates : XXXX XXXX Legal Basis under the FCRA for Removal of Unauthorized Inquiries : 1. Right to Accuracy and Verification of Information ( FCRA 611 ) : Under section 611 ( a ) ( 1 ) ( A ) of the FCRA, I have the right to dispute any information that is inaccurate or unverified. I am requesting that you review and verify the legitimacy of these inquiries, and if you can not do so, immediately remove these entries from my credit report.
2. Obligation to Provide Proof of Authorization ( FCRA 609 ) : According to section 609 ( a ) ( 1 ) of the FCRA, I have the right to obtain all information in my file that is relevant to the inquiries conducted, including any evidence that I explicitly consented. I request that you provide this proof of authorization ; in the absence of it, these inquiries should be removed accordingly.
3. Protection Against Identity Theft and Fraud ( FCRA 605B ) : In the event that any of these inquiries are related to identity theft, section 605B of the FCRA requires you to block all information derived from such fraud upon notification. This letter serves as formal notice that none of these inquiries were authorized by me and could potentially be the result of fraud.
Furthermore, I want to emphasize that, in accordance with the Fair Credit Reporting Act, I do not authorize this dispute to be processed using the e-OSCAR automated system. Since this dispute concerns unauthorized information, it requires a complete manual review to ensure compliance with my rights to verification and accuracy of information.
Thank you for your attention to this request. I look forward to receiving a written response within 15 days, as stipulated by the FCRA. Please keep me informed of any progress in the investigation process.
Sincerely, | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33460 | null | Consent provided | Web | 11/15/24 | Closed with non-monetary relief | Yes | null | 10,813,349 |
11/13/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 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 XXXXXXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts 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 | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30014 | null | Consent provided | Web | 11/13/24 | Closed with explanation | Yes | null | 10,767,040 |
11/23/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. 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 reported to be removed/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. 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! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60525 | null | Consent provided | Web | 11/23/24 | Closed with non-monetary relief | Yes | null | 10,894,224 |
11/15/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX.
ACCOUNTS : XXXX - XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - XXXX - {$10000.00} XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - {$250.00} INQUIRIES : 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 | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IN | 46514 | null | Consent provided | Web | 11/15/24 | Closed with non-monetary relief | Yes | null | 10,811,016 |
12/03/24 | Credit card | General-purpose credit card or charge card | Getting a credit card | Delay in processing application | I applied for a credit card through XXXX XXXX. The application was forwarded to First National Bank of Omaha. Who they called to verify some information. They asked me over the phone to share a copy of my ID and SSN card. I asked them if they would share a secured link to share my document. They said no. They provide an email to send the documents. Again, I told them that I'm not comfortable sharing my ssn card over email. A day later, they called me to send it. I called the bank to verify if it's the standard procedure. After a long call, they said it was. I contacted CFPB to double-check if it is the standard procedure, to which they said no. The requirement is only for the SSN, not the physical card. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | FIRST NATIONAL BANK OF OMAHA | DC | 20009 | null | Consent provided | Web | 12/03/24 | Closed with explanation | Yes | null | 11,013,123 |
12/02/24 | Student loan | Private student loan | Dealing with your lender or servicer | Problem with customer service | XXXX. XX/XX/2024, I applied with Credible ( XXXX ) as a co-signer for a private student loan. Upon submitting my credit application, I received an immediate online response stating, " unable to IDENTIFY prequalified rates for you from lenders on our marketplace based on the LENDER 'S ELIGIBILITY CRITERIA ''. ( 1 ) Credible FAILED TO PROVIDE LENDER 'S ELIGIBILITY CRITERIA PRIOR to the application for credit - did NOT make eligibility criteria available/easily accessible ; inhibiting me from making a good decision in the use of my credit. ( 2 ) Credible FAILED TO PROVIDE PROPER ADVERSE ACTION NOTICE. Credible 's adverse actions were all named to the primary applicant, neglecting my opportunity to view any adverse action taken against my application for credit ; I DID NOT receive an adverse action. I requested Credible return my original application, as it is no longer needed to process any extension of credit. Although I provided Credible with ample time to return the application, the CFPB regulations to preservation of records, and additional statutes stating the consumer has the right to request their original application, ( 3 ) Credible staff refused to return my original application - stating their company policy has their own retention rules and has further, ignored the my additional requests for my application, with no regard to CFPB and/or FTC law . | Company believes it acted appropriately as authorized by contract or law | Credible Labs Inc. | OH | 443XX | null | Consent provided | Web | 12/02/24 | Closed with explanation | Yes | null | 10,992,178 |
12/19/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Formal Complaint R
egarding FCRA Violation and Inaccurate Information ChexSystems Consumer Relations, I am writing to formally dispute inaccurate and negative information reported on my ChexSystems consumer report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( b ). The following inaccurate information is damaging to my financial reputation and must be
corrected or removed promptly : Institution Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account listed as charged off " or " Unauthorized account reported without my knowledge.
Under the FCRA, ChexSystems is required to ensure maximum possible accuracy of the information provided on consumer reports ( 15 U.S.C. 1681e ( b ) ). Additionally, once a consumer disputes an item, ChexSystems must conduct a prompt, thorough investigation and correct or delete any unverifiable or inaccurate information within 30 days ( 15 U.S.C. 1681i ( a ) ).
I have already contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding this issue, and they were unable to verify the information or resolve the matter. Despite this, the negative entry remains on my report. I have respectfully requested that ChexSystems remove the inaccurate or unverifiable information from my report if it can not be substantiated. They have yet to do so. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Fidelity National Information Services, Inc. (FNIS) | TX | 77090 | null | Consent provided | Web | 12/19/24 | Closed with explanation | Yes | null | 11,213,261 |
11/15/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am filing a formal complaint against XXXX XXXX XXXX for violating my consumer rights under federal and New Jersey state laws. XXXX XXXX XXXX failed to provide me with the opportunity to opt out before sharing my personal financial information with third parties, including financial institutions and consumer reporting agencies. This action violates my rights under the federal Gramm-Leach-Bliley Act ( GLBA ) and conflicts with the protections afforded by the New Jersey Consumer Fraud Act ( NJCFA ) and the New Jersey Identity Theft Prevention Act.
On XX/XX/year>, I sent XXXX XXXX XXXX a formal opt-out notice, clearly stating that I did not consent to the sharing of my private information. Despite my explicit instructions, XXXX claimed their Privacy Policy and Privacy Notice permitted such actions. However, this policy contradicts the GLBAs requirements and New Jersey laws, particularly the Identity Theft Prevention Act, which enforces strict safeguards for personal information.
Sharing my financial data without consent constitutes identity theft under 15 USC 1681a ( q ) ( 3 ), as it involves the unauthorized use of my identifying information. This practice is actionable under both federal law and the New Jersey Identity Theft Prevention Act. Furthermore, New Jersey law voids any contracts or policies that facilitate fraud, intentional harm, or legal violations, making XXXX actions legally indefensible.
I request immediate action to address these violations, ensure compliance with applicable laws, and prevent further unauthorized disclosures of my personal information. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NJ | 07112 | null | Consent provided | Web | 11/15/24 | Closed with non-monetary relief | Yes | null | 10,817,879 |
12/03/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquires that need to be removed XXXX XXXX XXXX XXXX XXXX XX/XX/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) | NY | 11729 | null | Consent provided | Web | 12/03/24 | Closed with explanation | Yes | null | 11,015,098 |
12/02/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Credit Acceptance Corporation is obligated by the fcra to report accurate accounting, consumer has advised that this inaccurate report be removed because it has never been re-investigated per XXXX am now requesting documentation on who did the investigation, recording of the call, accounting according to XXXX, both private and public, a copy of my truth bill of Sale for my retail sales contract showing all financial obligation, XXXX Credit Acceptance Corporation does not have documents to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. Credit Acceptance Corporation XXXX file XXXX ; 17 CFR 230.425 ; 17 CFR 240.14a-12 ; 17 CFR 240.14d -2b ; 17 CFR 240.13e-4c XXXX : XXXX ; CIK # : XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX i am also requesting XXXX XXXX XXXX be paid back on this account and this account be XXXX out. i will be filing treasury form XXXX to audit consumers account. Credit Acceptance Corporation is securitizing consumers data yet refuse to provide consumer a copy of their XXXX XXXX Not XXXX report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CREDIT ACCEPTANCE CORPORATION | LA | 70068 | null | Consent provided | Web | 12/02/24 | Closed with explanation | Yes | null | 10,994,147 |
11/15/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX.
Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 78155 | null | Consent provided | Web | 11/15/24 | Closed with non-monetary relief | Yes | null | 10,819,368 |
12/02/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) and to highlight specific inaccuracies in how BRANDSOURCE/MACYS has reported my account to the credit bureaus XXXX, XXXX, and XXXX. I am combining the reports on these 2 companies because they addressed me in 1 letter of correspondence, claiming the 2 accounts were being addressed simultaneously. Their actions breach FCRA sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require accurate reporting of information and reasonable investigation of disputes. I previously contacted the creditor in regards to my account, once I noticed it was being reported as late. They had out-dated bank account information, which I had previously attempted to update, to no avail. When I explained this to the representative, they expressed that since the mistake was through no fault of my own, they would remove the negative information they were reporting to my account so long as I caught up on the missed payments, which I did. Moreover, the account status was not updated to reflect the payment accurately, as required under FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that information provided to credit bureaus be accurate and truthful. BRANDSOURCE/MACYS has also reported inconsistent and inaccurate information to XXXX, XXXX and XXXX regarding this account. Specifically, the payment status shows as " Paid as Agreed '' on both XXXX and XXXX, while XXXX reports " Late 150 Days ''. The date of last payment is reported as XX/XX/year> on both XXXX and XXXX, while XXXX reports a date of XX/XX/year>, and all 3 credit bureaus are reporting different remarks under " comments ''. Despite multiple disputes, all XXXX credit bureaus continue to report this inaccurate information, indicating BRANDSOURCE/MACYS has failed to fulfill its obligations under FCRA Section 623 ( b ), which requires a reasonable investigation of disputes and the correction of errors. These actions have caused significant harm to my financial well-being and creditworthiness. The inaccurate and unfair reporting on my credit profile directly impacts my ability to access financial opportunities and has created unnecessary stress. As a consumer, I have the right under FCRA to dispute any inaccuracies on my credit report and expect them to be corrected. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | TX | 78245 | null | Consent provided | Web | 12/02/24 | Closed with non-monetary relief | Yes | null | 10,993,641 |
11/16/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | These few companies do not have any proof of my signature that ill be playing this debt off and they have violated so many consumer laws which I will state below this account needs to be removed asap I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX with the Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft whos credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ) SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking knows or consciously avoids knowing the information is inaccurate and inserting knows or has reasonable cause to believe that the information is inaccurate, and ( 2 ) by adding at the end of the following : ( D ) DEFINITION For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. XXXX XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the XXXX timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NY | 11216 | null | Consent provided | Web | 11/16/24 | Closed with explanation | Yes | null | 10,825,194 |
11/22/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to abtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.
Here is the item I am asking you to verify as accrate In accordance with the FCRA act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts. however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.SC 1681 section 602 A. States I have the right to privacy 15 U.SC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account whitout my writen 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 USC 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 consciously avoids knowing that the information is inaccurate 1681i. Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.
( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
( 3 ) Determination that dispute is frivolous or irrelevant ( A ) In general Notwithstanding paragraph ( 1 ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.
( B ) Notice of determination Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.
( C ) Contents of notice A notice under subparagraph ( B ) shall include- ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.
( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion- ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies.
( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) - ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection.
( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumer 's file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency- ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumer 's right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumer 's file after the deletion, not later than 5 business days after making the deletion.
( b ) Statement of dispute If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute.
( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof.
( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information.
( e ) Treatment of complaints and report to Congress ( 1 ) In general The Commission 1 shall- ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 1681a ( p ) of this title contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved.
( 2 ) Exclusion Complaints received or obtained by the Bureau pursuant to its investigative authority under the Consumer Financial Protection Act of 2010 shall not be subject to paragraph ( 1 ).
( 3 ) Agency responsibilities Each consumer reporting agency described in section 1681a ( p ) of this title that receives a complaint transmitted by the Bureau pursuant to paragraph ( 1 ) shall- ( A ) review each such complaint to determine whether all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint ; ( B ) provide reports on a regular basis to the Bureau regarding the determinations of and actions taken by the consumer reporting agency, if any, in connection with its review of such complaints ; and ( C ) maintain, for a reasonable time period, records regarding the disposition of each such complaint that is sufficient to demonstrate compliance with this subsection.
( 4 ) Rulemaking authority The Commission 1 may prescribe regulations, as appropriate to implement this subsection.
( 5 ) Annual report The Commission 1 shall submit to the Committee on Banking , Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives an annual report regarding information gathered by the Bureau under this subsection.
( f ) Reinvestigation requirement applicable to resellers ( 1 ) Exemption from general reinvestigation requirement Except as provided in paragraph ( 2 ), a reseller shall be exempt from the requirements of this section.
( 2 ) Action required upon receiving notice of a dispute If a reseller receives a notice from a consumer of a dispute concerning the completeness or accuracy of any item of information contained in a consumer report on such consumer produced by the reseller, the reseller shall, within 5 business days of receiving the notice, and free of charge- ( A ) determine whether the item of information is incomplete or inaccurate as a result of an act or omission of the reseller; and ( B ) if- ( i ) the reseller determines that the item of information is incomplete or inaccurate as a result of an act or omission of the reseller, not later than 20 days after receiving the notice, correct the information in the consumer report or delete it; or ( ii ) if the reseller determines that the item of information is not incomplete or inaccurate as a result of an act or omission of the reseller, convey the notice of the dispute, together with all relevant information provided by the consumer, to each consumer reporting agency that provided the reseller with the information that is the subject of the dispute, using an address or a notification mechanism specified by the consumer reporting agency for such notices.
( 3 ) Responsibility of consumer reporting agency to notify consumer through reseller Upon the completion of a reinvestigation under this section of a dispute concerning the completeness or accuracy of any information in the file of a consumer by a consumer reporting agency that received notice of the dispute from a reseller under paragraph ( 2 ) - ( A ) the notice by the consumer reporting agency under paragraph ( 6 ), ( 7 ), or ( 8 ) of subsection ( a ) shall be provided to the reseller in lieu of the consumer ; and ( B ) the reseller shall immediately reconvey such notice to the consumer, including any notice of a deletion by telephone in the manner required under paragraph ( 8 ) ( A ).
( 4 ) Reseller reinvestigations No provision of this subsection shall be construed as prohibiting a reseller from conducting a reinvestigation of a consumer dispute directly.
( g ) Dispute process for veteran 's medical debt ( 1 ) In general With respect to a veteran 's medical debt, the veteran may submit a notice described in paragraph ( 2 ), proof of liability of the Department of Veterans Affairs for payment of that debt, or documentation that the Department of Veterans Affairs is in the process of making payment for authorized hospital care, medical services, or extended care services rendered to a consumer reporting agency or a reseller to dispute the inclusion of that debt on a consumer report of the veteran.
( 2 ) Notification to veteran The Department of Veterans Affairs shall submit to a veteran a notice that the Department of Veterans Affairs has assumed liability for part or all of a veteran 's medical debt.
( 3 ) Deletion of information from file If a consumer reporting agency receives notice, proof of liability, or documentation under paragraph ( 1 ), the consumer reporting agency shall delete all information relating to the veteran 's medical debt from the file of the veteran and notify the furnisher and the veteran of that deletion.
To remind you, this is the complete law. Please, I need all the negative items deleted because it is affecting me negatively. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | XXXXX | null | Consent provided | Web | 11/22/24 | Closed with non-monetary relief | Yes | null | 10,894,630 |
12/18/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered XXXX XXXX as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.
These accounts are related to a transaction and experience that falls under the XXXX section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | CA | 93635 | null | Consent provided | Web | 12/18/24 | Closed with explanation | Yes | null | 11,207,199 |
12/06/24 | 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 documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXXXXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | LA | 70791 | null | Consent provided | Web | 12/06/24 | Closed with non-monetary relief | Yes | null | 11,050,062 |
11/11/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Was not notified of investigation status or results | XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report Dear CFPB, Following the recent investigation completed as detailed in this complaint, I am writing to formally request a description of the investigation process your agency followed regarding disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation process within 15 days of receiving a consumer 's dispute.
Upon reviewing my credit report, I identified discrepancies in the reporting of an account that I believe is inaccurately stated. Specifically, XXXX are reported late payments on account number XXXX with TransUnion and XXXX, although I can confirm that these payments were, in fact, made on time. As required by law, consumer reporting agencies must ensure complete and accurate reporting. Therefore, I am requesting an investigation of this account to update the record accurately to reflect timely payments.
The reported late payments on this account appear as follows : XX/XX/XXXX : 30 days late XX/XX/XXXX : 30 days late XX/XX/XXXX : 60 days late XX/XX/XXXX : 30 days late XX/XX/XXXX : 60 days late These entries are inconsistent with my payment records, which confirm that all payments were made on time. Additionally, since my last dispute, XXXX now reflects no late payments on this account, further supporting my claim that these payments were timely.
In light of these discrepancies, I am requesting a detailed description of the procedures used to verify and validate the information reported on this account. If the account can not be updated to reflect timely payments, please provide all relevant documentation supporting the late payment claims, including dates, payment amounts, and any evidence of communication indicating delinquency.
Additionally, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between myself and the reporting party. Inaccurate late payment records affect my report and must reflect only true and accurate payment history.
Reference to PAANL ( Paid As Agreed Never Late ) : The terms of my agreement have been adhered to consistently, and the account should reflect a status of Paid As Agreed Never Late. It is essential that my credit report accurately reflects my financial responsibility and commitment to making timely payments.
In accordance with 15 USC 1666 ( b ), please provide in writing the reasonable procedures that have been adopted to ensure that periodic statements are mailed to me in a timely manner, in compliance with section 1637 ( b ) of Title 15.
If no verifiable proof of late payments is provided, I demand that the account status be promptly updated to " Paid As Agreed Never Late. '' I expect a response compliant with the FCRA, the Consumer Protection Act, and the Truth in Lending Act within 30 days. Failure to respond within this timeframe will be considered a violation of these regulations.
Thank you for your prompt attention, and I look forward to your cooperation in ensuring my credit report 's accuracy.
Sincerely, XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33614 | null | Consent provided | Web | 11/11/24 | Closed with non-monetary relief | Yes | null | 10,751,770 |
12/16/24 | Credit card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | I was charged on XX/XX/year>, for an XXXX purchase via SYNCHRONY BANK / XXXX XXXX. I never got anything for the XXXX buyer, XXXX says it's been delivered but the FedEx number was not for my house or my name on it. I have summited XXXX different disputes with SYNCHRONY BANK / XXXX XXXX, they will not take the charge off and will not show what proof they have from the XXXX buyer that it was delivered. Again XXXX different dispute reports and no one can confirm that it was sent to me. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | MO | 63139 | null | Consent provided | Web | 12/16/24 | Closed with explanation | Yes | null | 11,170,599 |
11/10/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | I am writing to request an update to my personal information on file with all three major credit bureaus : XXXX, TransUnion, and XXXX. My correct and current information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WY XXXX, United States Employment : XXXX XXXX XXXXXXXX XXXX Additionally, I would like to formally request that XXXX remove the incorrect address listed on my credit report as follows : Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX There is no law preventing the removal of inaccurate or outdated information from credit reports, and as this address is not valid or associated with me, I ask that XXXX promptly delete it from my record. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | WY | 82009 | Servicemember | Consent provided | Web | 11/10/24 | Closed with explanation | Yes | null | 10,746,232 |
12/14/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | The debt collector has not provided me proper debt validation for this allege debt. I requested the original contract with XXXXXXXX XXXX XXXX with my signature, I requested my payment history with XXXXXXXX XXXX XXXX XXXX a proof of debt assignment. They have not provided any of this information. Please delete this from my account. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SUNRISE CREDIT SERVICES, INC | NJ | 08104 | null | Consent provided | Web | 12/14/24 | Closed with explanation | Yes | null | 11,156,613 |
11/15/24 | 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. | TX | 79928 | null | Consent provided | Web | 11/15/24 | Closed with non-monetary relief | Yes | null | 10,809,098 |
11/25/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | i applied for a car and noticed accounts that were opened without my knowledge | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NJ | 08817 | null | Consent provided | Web | 11/25/24 | Closed with non-monetary relief | Yes | null | 10,915,721 |
12/09/24 | Credit card | Store credit card | Fees or interest | Problem with fees | I have had a credit card from Best Buy for about 10 years. This past XXXX they started charging {$50.00} per yaer. They actually started the year before but I had not noticed. My bank changed credit cards so Best Buy could not get thier payment automatically. So they sent me a paper bill. I told them I no longer wanted thier card, but they said the charge was already made so therefor I have to pay. I told them to cancel the card, but they said the charge was already made so I would have to pay.
Any way I will not pay, thats not the problem, but I don't think they should be able to secretly start charging then keep the charge even after I canceled. Also I have not used the charge card since XX/XX/year>.
Also I lost the card years ago. I have no idea what the card number was. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | WI | 53081 | Older American, Servicemember | Consent provided | Web | 12/09/24 | Closed with non-monetary relief | Yes | null | 11,091,124 |
11/25/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not authorize or open these accounts and have no knowledge of their origins. Per USC 1681g, I formally request their removal within 15 days. Attached are the relevant documents for your review. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33162 | null | Consent provided | Web | 11/25/24 | Closed with non-monetary relief | Yes | null | 10,923,964 |
11/26/24 | 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 documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 770XX | null | Consent provided | Web | 11/26/24 | Closed with explanation | Yes | null | 10,919,840 |
11/09/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent credit card was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about this account. It is a fraudulent account. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 91343 | null | Consent provided | Web | 11/09/24 | Closed with non-monetary relief | Yes | null | 10,729,209 |
11/22/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.
Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.
Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.
Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11763 | null | Consent provided | Web | 11/22/24 | Closed with non-monetary relief | Yes | null | 10,893,708 |
12/06/24 | Credit reporting or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Problem getting your free annual credit report | I went to annualcreditreport.com and request my credit reports from all 3 credit bureaus and the only one that gave me trouble was transunion. I tried on 2 occasions and even called the number provided on the site. They did not send me a copy of my credit report | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 187XX | null | Consent provided | Web | 12/06/24 | Closed with non-monetary relief | Yes | null | 11,038,833 |
12/16/24 | Credit card | General-purpose credit card or charge card | Closing your account | Company closed your account | Regarding : Credit reporting from Barclays Bank Delaware.
I do not recognize how this account is reporting to my credit report. This was closed reported as charged off. If this debt has been forgiven, canceled, or settled for less than the full balance, the IRS 1099-C form is required to be filed under 26 U.S.C. 6050P if the amount of canceled debt exceeds {$600.00}. But I have never been provided with a 1099-C form from Barclays Bank Delaware XXXX Everything reported here does not meet the FCRA. Please permanently delete off my credit reports from 3 major credit bureaus ( XXXX, XXXX, XXXX XXXX ). | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | OR | 97140 | null | Consent provided | Web | 12/16/24 | Closed with explanation | Yes | null | 11,169,308 |
12/19/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Dear CFPB, I am submitting this complaint regarding to the 3 credit repair reporting agencies for inaccurate information reported on my credit file. Despite my dispute and attempts to resolve the matter, no corrections have been made, which is unfairly impacting my credit score.
This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which protects my right to accurate credit reporting, and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), which governs the fair handling of debt disputes.
I request that the CFPB : Investigate for noncompliance.
Require correction of errors on my credit report.
Enforce federal consumer protection laws.
Please find attached relevant documents, including my credit report and correspondence, for your review.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | TX | XXXXX | null | Consent provided | Web | 12/19/24 | Closed with explanation | Yes | null | 11,201,066 |
11/27/24 | 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 disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NV | 89134 | null | Consent provided | Web | 11/27/24 | Closed with explanation | Yes | null | 10,950,872 |
12/05/24 | Credit card | General-purpose credit card or charge card | Closing your account | Company closed your account | On XX/XX/XXXX I logged onto online banking, and it was then that I found out that all my credit cards were closed. I called the bank the same day, and their representatives told me the bank would only communicate with me only if I were to send a letter to a XXXX XXXX in XXXX XXXX South Dakota. Other than that, no representatives nor supervisors would speak with me regarding my now closed accounts over the phone. This is quite unacceptable as I was current in all my accounts and had no issues prior to this, nor was I told in any way that my accounts would be closed. Citigroup has infringed upon my rights under Truth in Lending Act ( TILA ), the Fair Credit Reporting Act ( FCRA ), the Credit CARD Act of 2009, and state laws. The behavior XXXX has exhibited here represents the most unprofessional and ethically questionable conduct one could demonstrate. It undermines trust, and reflects a complete disregard for the standards of integrity and respect that are fundamental to the banking system. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | TX | XXXXX | null | Consent provided | Web | 12/05/24 | Closed with explanation | Yes | null | 11,041,916 |
12/13/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with fraud alerts or security freezes | null | I was identified as having a massive identity theft issue against my accounts. There were cards that were opened in my name and never paid off. I went through the t process of having my credit reports locked and the subsequent companies that the feed into the credit reporting agencies such as, XXXX, XXXX, Cheksystems. I was told that they have directed that a freeze be placed on my information. But I believe that this has not been done. Please ensure that this has been done. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Fidelity National Information Services, Inc. (FNIS) | MD | 208XX | Servicemember | Consent provided | Web | 12/13/24 | Closed with explanation | Yes | null | 11,151,577 |
12/17/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am filing this formal complaint against FMS Financial Solutions for their failure to provide accurate, verifiable, and lawful reporting of a collection account on my credit report.
The collection agency is reporting an account on my credit report that I believe to be inaccurate or unverifiable.
I first disputed this collection with both the credit reporting agencies ( XXXX, XXXX, XXXX ) and FMS Financial Solutions directly. Despite my requests for verification under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), no proper documentation has been provided.
The collection agency has failed to provide proof that the debt is mine, including : A signed contract or agreement showing my liability.
A full accounting of the original debt, including any added fees or interest.
Verification of their legal authority to collect the debt.
Violations of Federal Law : The collection agencys actions constitute violations of federal consumer protection laws : Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : Reporting inaccurate or unverified information to the credit bureaus is illegal.
They failed to provide adequate verification after my written request.
Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) : Upon disputing the debt, the agency was required to cease all collection activity and verify the debt. They failed to meet this requirement.
This unverified collection has negatively impacted my credit report, causing financial stress and preventing me from obtaining credit opportunities. I have acted in good faith to resolve this matter, yet the collection agency has failed to comply with its legal obligations. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Financial Management Solutions, LLC | DC | 20016 | null | Consent provided | Web | 12/17/24 | Closed with explanation | Yes | null | 11,192,729 |
11/26/24 | Credit card | General-purpose credit card or charge card | Other features, terms, or problems | Other problem | I received a text from the phone number XXXX as follows : " Your XXXX has been charged for {$650.00} at XXXX, XXXX. If not done by you, XXXX '' This is someone impersonating Citi Bank and trying to get my personal information. I checked my card balance online, and there was no charge in XXXX. I did not call the number provided in the text. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | KS | 66061 | null | Consent provided | Web | 11/26/24 | Closed with explanation | Yes | null | 10,941,362 |
12/10/24 | 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 to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 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 of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion.
Please delete the following accounts : 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 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 | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77407 | null | Consent provided | Web | 12/10/24 | Closed with explanation | Yes | null | 11,105,462 |
12/23/24 | Credit card | General-purpose credit card or charge card | Getting a credit card | Card opened without my consent or knowledge | I just received a credit card bill in the mail from Fortiva Retail Credit for {$51.00}. I never opened this account. I have a charge for {$49.00} described as an annual fee ( posted on XX/XX/year> ) and a {$2.00} charge for a paper statement fee ( posted on XX/XX/year> ). When I called Fortiva customer service, they asked for a social security number and I denied giving them that info as I never gave that info to them to begin with. Im afraid there is a larger scam that will take place if I provide them with my social security number. | Company believes it acted appropriately as authorized by contract or law | Atlanticus Services Corporation | OH | 44129 | null | Consent provided | Web | 12/23/24 | Closed with non-monetary relief | Yes | null | 11,256,915 |
11/19/24 | 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. | LA | 70403 | null | Consent provided | Web | 11/19/24 | Closed with non-monetary relief | Yes | null | 10,846,807 |
11/22/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.
These companies have refused to do work on disputes even though they're required by the law to do so.
Account Name : 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. | CA | 91932 | null | Consent provided | Web | 11/22/24 | Closed with non-monetary relief | Yes | null | 10,880,031 |
11/07/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information is missing that should be on the report | " The 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 TILA US Code 1666B since I was never late.
I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
" | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NJ | 088XX | null | Consent provided | Web | 11/07/24 | Closed with non-monetary relief | Yes | null | 10,708,663 |
11/20/24 | 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 recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these.
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me.
As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable.
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 | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 90064 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,866,565 |
11/13/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | OF FRAUD. INQUIRES BELOW ARE UNAUTHORIZED ACCOUNTS IN A DATA BREACH. PLEASE DELETE BLOCK REMOVE FROM MY CREDIT REPORT. I CONTACTED CREDITOR TO DELETE REMOVE BLOCK FRAUD ACCOUNTS AND NO RESPONSE.REMEDY PLEASE DELETE REMOVE FROM MY CREDIT REPORT.
XXXX ; XXXX ; TRANSUNION ; I CONTACTED CREDITOR TO DELETE REMOVE BLOCK FRAUD ACCOUNTS AND NO RESPONSE.REMEDY PLEASE DELETE REMOVE FROM MY CREDIT REPORT.
XXXX : TRANSUNION : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CLAIMS OF FRAUD. ACCOUNTS BELOW ARE UNAUTHORIZED ACCOUNTS IN A DATA BREACH. PLEASE DELETE BLOCK REMOVE FROM MY CREDIT REPORT. I CONTACTED CREDITOR TO DELETE REMOVE BLOCK FRAUD ACCOUNTS AND NO RESPONSE.REMEDY PLEASE DELETE REMOVE FROM MY CREDIT REPORT.
XXXX ; XXXX ; TRANSUNION ; I CONTACTED CREDITOR TO DELETE REMOVE BLOCK FRAUD ACCOUNTS AND NO RESPONSE.REMEDY PLEASE DELETE REMOVE FROM MY CREDIT REPORT.
ACCOUNTS : Account Name Account Number 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 THIS INFORMATION IS TRUE TO BEST OF KNOWLEDGE. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IA | 52404 | null | Consent provided | Web | 11/13/24 | Closed with non-monetary relief | Yes | null | 10,785,657 |
11/15/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking.
XXXX XXXX {$150000.00} opened XX/XX/XXXX Inquires 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 95377 | null | Consent provided | Web | 11/15/24 | Closed with non-monetary relief | Yes | null | 10,808,680 |
12/10/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Wells Fargo Mediation Program Administrator XXXX XXXX XXXX XXXX, OR XXXX Tracking Number : XXXX Wells Fargo Case Number : XXXX Dear XXXX, I am writing to confirm my acceptance of the enclosed offer of {$850.00}, along with 2 years of credit protection. I have left two voicemails informing you of my decision. Additionally, I spoke with XXXX in your department, who mentioned he would notify you as well. I understand that there is nothing further required from my end.
Thank you for your assistance. Please expedite the payment process so we can close this matter.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX From : XXXX XXXX XXXX Sent : Saturday, XX/XX/year> XXXX XXXX To : 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 Subject : WF MEDIATION/FRAUD COMPLAINT Dear Wells Fargo Executive Office, I am contacting you to express my ongoing concerns regarding an unresolved matter involving your team . This year alone, I have received more than a dozen mediation letters, all of which I have addressed in a timely manner. After many attempts to seek clarification, I was finally able to speak with XXXX. Regrettably, my previous interactions with your staff were frequently met with unprofessionalism and inadequate assistance.
XXXX informed me that the accounts in question are attributed to me. However, I have shared account numbers with your representatives that I do not recognize. As your calls are recorded, this can be corroborated. I conveyed the distress I have experienced due to persistent delays and the failure to adhere to established timelines.
Furthermore, I have been erroneously informed that I possess debts that are not mine. This issue has persisted, with your office indicating receipt of my complaint and a need for additional time to respond. Nevertheless, I have not received any further communication despite my follow-up efforts. For your convenience, I have attached copies of several letters I have received.
I respectfully request that this matter be resolved promptly, that the mediation be corrected, and that an appropriate offer be issued within the designated timeframe to expedite the resolution of these urgent issues.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX From : XXXX XXXX Sent : Tuesday, XX/XX/year> XXXX XXXX To : XXXX XXXX Cc : XXXX, XXXX XXXX Subject : We need more time to respond to your concerns Wells Fargo logo Wells Fargo case number : XXXX Account number ending in : XXXX Dear XXXX XXXX XXXX XXXX XXXX you for contacting us. We hoped to respond by XX/XX/year>. However, we need more time to complete our research.
Whats next Well follow up with you by XX/XX/year>. If we need more time, well let you know.
Were here to help We appreciate the time and effort you took to contact us. If you have questions, you may reach us at XXXX, Monday through Friday from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. We accept telecommunications relay service calls.
If there is an attachment to this email and you can not read it, please contact us.
Sincerely, XXXX XXXX.
Escalations Representative Enterprise Complaints Management Office XXXX XXXX XXXX XXXX XXXX, SD XXXX For security reasons, please do not respond to this email with any personal or account information.
This message may contain confidential and/or privileged information. If you are not the addressee or authorized to receive this for the addressee, you must not use, copy, disclose, or take any action based on this message or any information herein. If you have received this message in error, please advise the sender immediately by reply email and delete this message. Thank you for your cooperation.
XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | CA | 93065 | null | Consent provided | Web | 12/10/24 | Closed with explanation | Yes | null | 11,096,973 |
12/03/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XX/XX/2024 I Reported this unknown debt collection from HP SEARS that I have no acknowledgement of nor consent to, to the Identity Theft Report Gov. agency. | Company disputes the facts presented in the complaint | Herbert P. Sears Co., Inc. | CA | 90011 | null | Consent provided | Web | 12/03/24 | Closed with explanation | Yes | null | 11,011,475 |
11/14/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Was not notified of investigation status or results | I am filing a complaint regarding the Credit Reporting Agencys violations of the Fair Credit Reporting Act ( FCRA ) related to inaccurate information and lack of proper notification on my credit report. These actions have impacted my credit score, causing a significant decrease, without prior notification or sufficient updates during an active dispute.
Background : 1. Inaccurate Reporting ( FCRA Section 623 ( a ) ) : The credit reporting agency and furnisher added remarks to my report that caused a substantial drop in my credit score, without verifying accuracy. These changes were made without informing me, in violation of the FCRAs requirement to report only accurate information.
2. Lack of Notification and Timely Updates on Dispute Status ( FCRA Sections 611 ( a ) and 623 ( b ) ) : Despite having an active dispute regarding the specific account in which remarks have been added and changed, I have not received timely updates on the investigation status. FCRA Section 623 ( b ) requires that furnishers investigate disputes promptly and notify me of any updates or changes made as a result. Through a third party company, I have learned that My credit reported has been updated on XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX. I have not received any notifications from the Credit Reporting Agency regarding this dispute.
3. Ongoing Harm : This lack of transparency and accuracy has caused financial harm, affecting my creditworthiness and overall financial stability. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MD | 206XX | null | Consent provided | Web | 11/14/24 | Closed with explanation | Yes | null | 10,805,574 |
11/18/24 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Trouble with how payments are being handled | I am set up with autopay for my student loans with Mohela. In XX/XX/year>, Mohela changed how they were applying my payments and instead of applying the payment across all loans, they changed it to all go to XXXX loan and are reporting the other loans as passed due. All payments were being applied correctly up until XX/XX/year>. I spoke with customer service on XX/XX/year> and was on the phone with them for over an hour. They acknowledged the error and stated they would turn it over to a supervisor. On that call I also inquired why one payment I made ( XX/XX/year> ) was not showing a
nd they said they could see it on their end, but it had not been applied to my accounts. They corrected that. They are still applying my autopayments to only one loan and are reporting the other loans as passed due. I also get letters that have different amounts due for the loans. | Company believes it acted appropriately as authorized by contract or law | MOHELA | CA | 95695 | null | Consent provided | Web | 11/18/24 | Closed with explanation | Yes | null | 10,872,307 |
11/06/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC and XXXX XXXX XXXX XXXX Subject : Notice of Intent to Sue for Removal of Account and {$1000.00} per Violation Due to FCRA, CFPB, IRS, XXXX XXXX, and U.S. Congressional Compliance Violations with Supporting Case Law To Whom It May Concern, This letter serves as formal notice of my intent to pursue legal action against TransUnion and XXXX for the continued inaccurate and misleading reporting of my XXXX account XXXX Account # : XXXX ) on my credit report. Despite previous dispute attempts, the account information remains inconsistent, violating the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Bureau ( CFPB ) regulations, IRS guidelines, XXXX XXXX compliance standards, and U.S. Congressional credit reporting laws. I am seeking immediate removal of these inaccuracies and compensation of {$1000.00} per violation.
Account Overview and Dispute Summary The XXXX account , a revolving charge account opened on XX/XX/XXXX, is inconsistently reported across TransUnion and XXXX. TransUnion lists the account status as Transferred with a {$0.00} balance, while XXXX shows the account as Open. Additional discrepancies include conflicting high credit limits, different last reported dates, and remarks such as Purchased by another lender and Consumer disputes - reinvestigation in progress, which do not align across both bureaus.
1. Violations of the Fair Credit Reporting Act ( FCRA ) Under the FCRA, credit reporting agencies are required to provide accurate information and correct or remove any disputed information that can not be verified. The continued discrepancies on the SYNCB/WALMART account violate : 15 U.S.C. 1681s-2 This section requires data furnishers and credit bureaus to ensure accuracy. The conflicting status ( Transferred versus Open ), high credit limits, and activity dates are clear violations of this provision.
15 U.S.C. 1681i Mandates that credit reporting agencies conduct a reasonable investigation into disputed information and correct or delete inaccuracies. TransUnion and XXXX failure to verify and reconcile these inconsistencies despite multiple disputes constitutes non-compliance.
The recent Supreme Court ruling in TransUnion LLC v. Ramirez, 141 S. Ct. 2190 ( 2021 ) underscores that credit reporting agencies may be held liable for inaccuracies that cause harm to consumers. This ruling reinforces the obligation to report accurate data and confirms the agencies liability for any incorrect data that negatively impacts consumers.
Additionally, Dalton v. Capital Associated Industries , Inc., 257 F.3d 409 ( 4th Cir. 2001 ) ruled that a failure to conduct a reasonable investigation into disputed information can lead to liability under the FCRA. The repeated failure to resolve the discrepancies on this account demonstrates TransUnion and XXXX lack of adherence to FCRA standards.
2. Violations of Consumer Financial Protection Bureau ( CFPB ) Regulations CFPB regulations prohibit unfair, deceptive, or abusive acts and practices ( UDAAP ) in consumer reporting. By continuing to report inconsistent and inaccurate information on the SYNCB/WALMART account XXXX TransUnion and XXXX engage in deceptive practices, violating CFPB regulations and harming my financial reputation.
3. Violations of IRS Reporting Guidelines IRS guidelines require accurate reporting, especially for accounts reported as transferred or purchased by another lender. Misrepresenting this accounts status and payment history could lead to inaccurate financial obligations and tax implications, violating IRS standards for precise financial data reporting.
XXXX. Violations of XXXX XXXX Compliance Standards Using Data Codes The reporting of the XXXX account XXXX not comply with XXXX XXXX XXXX, which provide strict guidelines for consistent and accurate reporting. Specific issues include : Account Status Code ( Field 17A ) This account should reflect a consistent Account Status Code across all bureaus. If transferred, Field 17A should indicate 05 ( Transferred ) or another accurate status across all bureaus, rather than a conflicting Open status.
Compliance Condition Code ( Field 17B ) Since the dispute remains unresolved, the XXXX ( Account information disputed by consumer ) code should be applied consistently across all reporting bureaus, indicating the account is under dispute.
High Credit Limit ( Field 12 ) The high credit limit is reported inconsistently as {$390.00} on TransUnion and {$390.00} on XXXX, violating the requirement for consistent reporting across bureaus.
5. Violations of U.S. Congressional Credit Reporting Laws Congress enacted the Fair Credit Reporting Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act to protect consumers from harmful credit reporting practices. TransUnion and XXXX non-compliance with these standards and failure to provide accurate information violate the protections Congress established to ensure data integrity and fairness.
Remedy Sought To resolve these violations without litigation, I request that TransUnion and XXXX : Remove all inaccurate and conflicting notations related to the XXXX account and ensure a consistent report across both bureaus.
Provide written confirmation of these corrections to ensure uniformity in my credit profile.
Compensate me {$1000.00} per violation for each instance of non-compliance, as provided under FCRA and other applicable federal laws.
Should these actions not be completed within 30 days of receiving this letter, I am prepared to pursue statutory, actual, and punitive damages through legal channels, as permitted by the FCRA, CFPB regulations, IRS guidelines, XXXX XXXX compliance standards, and U.S. Congressional laws governing credit reporting.
Conclusion This letter serves as TransUnion and XXXX final opportunity to correct these reporting violations. Failure to act within the specified timeframe will result in legal action seeking full damages and corrective measures.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | VA | 22408 | null | Consent provided | Web | 11/06/24 | Closed with explanation | Yes | null | 10,716,795 |
12/16/24 | Credit card | Store credit card | Getting a credit card | Card opened without my consent or knowledge | Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that your company absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the CFPBs Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA.
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.
Sincerely, [ XXXX XXXX XXXX ] All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in XXXX. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau 's website, consumerfinance.gov/learnmore.
NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance.
The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protection 's website at consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document.
Section 623 imposes the following duties : Accuracy Guidelines The banking and credit union regulators and the CFPB will promulgate guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. The regulations and guidelines issued by the CFPB will be available at consumerfinance.gov/learnmore when they are issued. Section 623 ( e ).
General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).
Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ).
Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs.
Section 623 ( a ) ( 1 ) ( B ).
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.
Section 623 ( a ) ( 3 ).
The federal banking and credit union regulators and the CFPB will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Once these regulations are issued, furnishers must comply with them and complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. The CFPB regulations will be available at consumerfinance.gov. Section 623 ( a ) ( 8 ).
Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ).
Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ).
Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ).
Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ).
Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnishes information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).
Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumer 's file. Section 623 ( a ) ( 5 ).
Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the same delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection, charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ).
Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The Consumer Financial Protection Bureau has prescribed model disclosures, 12 CFR Part 1022, App. B.
Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.
Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
The Consumer Financial Protection Bureau website, consumerfinance.gov/learnmore, has more information about the FCRA.
Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : 15 U.S.C. 1681 Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681 | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | GA | 312XX | null | Consent provided | Web | 12/16/24 | Closed with non-monetary relief | Yes | null | 11,170,020 |
12/07/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX Ca XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Dear Sir/Madam, Re : Request for Account Information I am writing in reference to the above-mentioned account, which is reported on my credit report as a profit and loss write off, I would like to clarify that I am not disputing the accuracy of the account at this time. However, I am requesting the following information to better understand the timeline of the account : 1. The date of the first delinquency for this account.
2. The date the last payment was made on this account.
3. The date of the charge-off of this account.
Please provide this information at your earliest convenience. You may send the details to the address listed above or contact me via phone or email if further clarification is required.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | AUTOMOTIVE CREDIT CORPORATION | CA | 94591 | null | Consent provided | Web | 12/07/24 | Closed with explanation | Yes | null | 11,067,347 |
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 | I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30349 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,862,530 |
11/06/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | 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.
Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 XXXX 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. | FL | 32114 | null | Consent provided | Web | 11/06/24 | Closed with non-monetary relief | Yes | null | 10,697,169 |
11/19/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I am writing to formally dispute inaccurate information on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my report, I have identified discrepancies in the reporting of an account with XXXX XXXX ( Account # XXXX ) **. Below, I outline the specific issues and request prompt investigation and correction of the inaccurate data.
Details of Discrepancies 1. Inconsistent Closure Dates : According to TransUnion, the account is reported as closed on XX/XX/year>2020, while XXXX does not list any closure date, and XXXX provides inconsistent reporting.
Request : Please confirm and correct the accurate closure date across all three bureaus to ensure consistency.
2. Charge-Off Reporting Accuracy : The account is marked as a charge-off with a {$0.00} balance owed. However, if the balance was resolved in XX/XX/scrub> 2020, the charge-off status should include clarification that the account was paid or resolved after the charge-off. This is critical to accurately reflect the status of the account to future creditors.
Request : Verify whether the charge-off status includes proper resolution details, and update accordingly.
XXXX. Payment History Discrepancy : The payment history shows multiple CO ( Charge-Off ) marks for the period between XX/XX/year>2020 and XX/XX/scrub> 2020, but the remarks indicate payment after charge-off/collection. If payments were made or the account was settled during this period, the payment history may not be accurate.
Request : Please verify the payment history for this period and update any inaccuracies to ensure the record reflects actual payments or account resolution.
XXXX. Dispute Resolution Timeline : Both XXXX and XXXX note that the account was in dispute. If the creditor failed to resolve the dispute within the legally mandated 30-day period or if incomplete/inaccurate information persisted during the dispute, this is a violation of my rights under the FCRA.
Request : Provide documentation confirming when the dispute was initiated, investigated, and resolved, and ensure the current reporting reflects accurate dispute outcomes.
Action Requested I respectfully request that you : Investigate the discrepancies outlined above with the data furnisher ( XXXX XXXX ).
Provide me with an updated credit report reflecting corrections.
Inform me of the results of your investigation within 30 days, as required under the FCRA.
Proof of identity is attached below | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MS | 39759 | null | Consent provided | Web | 11/19/24 | Closed with non-monetary relief | Yes | null | 10,837,081 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am writing to inform you that I am a victim of a data breach and several fraudulent accounts have appeared on my credit report. As a result, I am requesting that these accounts be blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).
Accounts to be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$25000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$25000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$5100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$28000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | DC | XXXXX | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,864,113 |
12/04/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am filing a complaint to report identity theft. Sometime in XX/XX/year>, I received two back to back collection letters in the mail from XXXX who is also know as XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXXXXXX. I submitted a notice to them for verification because I have never had any business with this company. My notice asked for specific pieces of documentation to validate the debt. I received a letter dated XX/XX/XXXX, that completed disregard the 8 items I requested to validate the debt. Instead, I received an alert that this same company reported the account on my credit report. For one they never validated the debt as requested. Two, I never did any business or signed any agreements with them. Third, I checked and they are not licensed to do business in my state. Last, how did they get access to my personal information to file this alleged account on my credit report. I am requesting that this account be immediately deleted from my credit report. If they can not send me the requested documents, I demand they cease and desist immediately. I have attached all the documentation as my proof to ask for proof of their claim to collect on the alleged debt. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 77429 | Servicemember | Consent provided | Web | 12/04/24 | Closed with non-monetary relief | Yes | null | 11,031,514 |
11/21/24 | 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 noticed several discrepancies in the reporting of an account on my credit report across all three credit bureaus ( TransUnion, XXXX, and XXXX ). the details are inconsistent between the bureaus. Specifically : The last activity date is reported differently across the bureaus : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX These dates should be consistent as they represent the last interaction with the account.
The account closure descriptions vary : TransUnion : " Charged off as bad debt. Account closed due to transfer of balance. '' XXXX : " Account closed due to transfer. Amount balance reported as a loss by credit grantor. '' XXXX : " Charged off account. Account transferred or sold. '' These descriptions create confusion about the actual status of the account and whether it was transferred, sold, or resolved.
The payment history for this account shows a " Charged Off '' status ( CO ) for multiple months, which I believe is inaccurate because the account was closed. If this account was resolved, this history unfairly reflects negatively on my credit report.
The reported balance owed is {$0.00} across all bureaus, but the status remains " Charged Off. '' If the account has been settled or resolved, this status should reflect " Paid '' or " Settled. '' The term length is reported as 31 months, but it is unclear if this reflects the original terms of the agreement or if there was a modification.
These inconsistencies are misleading, harmful to my credit score, and do not reflect the accurate status of the account. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 34744 | null | Consent provided | Web | 11/21/24 | Closed with non-monetary relief | Yes | null | 10,861,116 |
11/01/24 | Credit card | General-purpose credit card or charge card | Trouble using your card | Can't use card to make purchases | This weekend I came to find out my capital one XXXX card had been closed due to returned payments. The situation was an unfortunate mix up where I was Frauded a rep called me as captial one and they knew all my login info my address bank XXXX XXXX I told them I Dont use XXXX XXXX XXXX any more only used it prior to make pmts 1 time among both of my cards how ever funds had not been transferred from my account and that acct is currently overdrawn if im not mistaken. The moment I noticed days later that the number who called me wasn't capital one and they are a credit solutions agency. I was scammed I was so wrapped up with personal issues with losing a child I didn't have time to even entertain that payments were fraud on my account. As Captial one can see I been value customer since I was XXXX my first card ever opened since XXXX I may of have returned payments with my old act in the past but you'd be able to see that, I deposited the money and reattempted the payment. I spoke to capital one customer service where at first they said there is absolutely nothing they can do because I violated their terms and agreement, but after speaking with a supervisor XXXX. She had mentioned submitting a request to open the account but it was not a guarantee. She mentioned to call capital one once it clears on the XXXX. Please review my account and help assist. | null | CAPITAL ONE FINANCIAL CORPORATION | NY | 10550 | null | Consent provided | Web | 11/01/24 | Closed with explanation | Yes | null | 10,658,289 |
12/06/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Car was turned over to XXXX XXXX on XX/XX/XXXX. XXXX immediately sold the vehicle but did not provide updates on balance and status. After reaching out to the company several times, I was finally given information with updated balance in XX/XX/XXXX, and told that it would be updated with the credit reporting companies within 30 days. Since then, I have been given a difficult time by this company, and they keep saying they will update the balance information with credit reporting agencies but have not. I have last spoken with XXXX on XX/XX/XXXX, and the issue is still not addressed. I have a letter from XXXX stating the updated balance. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | FC HoldCo LLC | MI | 48085 | null | Consent provided | Web | 12/06/24 | Closed with explanation | Yes | null | 11,060,585 |
12/10/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXX XXXX XXXX is the XXXX party trying to collect in this debt. Velocity Investments purchased this debt from XXXX. Now Velocity is claiming that I owe them this debt. {$2600.00}, from XX/XX/year>.
Summary of Complaint : I am submitting this complaint against XXXX XXXX concerning their collection practices and the validity of the debt they claim I owe. Below are the specific issues : Ownership of XXXX : Provide documentation of the chain of ownership, including how the debt was purchased and transferred to the collector.
Legal Collectability of Charged-Off Debt : Clarify how a charged-off debt remains legally collectable and why collection efforts are continuing.
IRS Reporting ( 1099-C ) : Explain why a 1099-C form has not been issued if the original creditor has canceled the debt for tax purposes.
Compliance with FDCPA : Detail how the collector is adhering to FDCPA rules in their communication and collection practices.
Use of OC-10 Federal Reserve Window : Explain whether the original creditor used an OC-10 Federal Reserve Window or similar process involving negotiable instruments, such as a promissory note, to settle this debt, and clarify why this debt is still being pursued if it was already processed through such mechanisms. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Velocity Portfolio Group | TX | 75104 | Older American | Consent provided | Web | 12/10/24 | Closed with explanation | Yes | null | 11,080,698 |
11/21/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. 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.
XXXX XXXX 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. | NC | 28803 | null | Consent provided | Web | 11/21/24 | Closed with non-monetary relief | Yes | null | 10,852,055 |
11/21/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33401 | null | Consent provided | Web | 11/21/24 | Closed with non-monetary relief | Yes | null | 10,852,165 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information is missing that should be on the report | " The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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.
This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : " | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TN | 37167 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,847,007 |
12/16/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$7600.00} XX/XX/year> 15 U.S.C , 1681section 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 an 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 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 | ProCollect, Inc. | TX | 77099 | null | Consent provided | Web | 12/16/24 | Closed with explanation | Yes | null | 11,178,162 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information is missing that should be on the report | " The 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.
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for each account listed without my expressed written consent.
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : " | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77583 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,852,782 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Mortgage was transferred from XXXXXXXX XXXX to XXXX effective XX/XX/year>. Approximately XXXX days later, my XXXX XXXX was negatively hit by a XXXX point decrease. Having pulled a copy a my report, it appears the TransUnion has decided me as the consumer is somehow responsible for these companies ' transactions.
Additionally, I understand this is a common practice of the credit bureaus and most consumers are not aware this is being done.
Bottom line, I want my points back and I want them to stop doing this. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 91784 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,852,831 |
11/14/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I recieved denial for credit card application from Wells Fargo. I did not apply. The reason fro denial was too many attempts in recent time. I have not applied for any. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | AZ | 85750 | null | Consent provided | Web | 11/14/24 | Closed with non-monetary relief | Yes | null | 10,802,076 |
12/07/24 | Credit card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | On XX/XX/year> ; I made a purchase of {$660.00} with a company called " XXXX '' using my Barclaycard Master 's Card to make the purchase. This company goes by the name of " XXXX XXXX '' in public. I originally found them on XXXX because they were advertising their services to people like me who are interested in making money through the XXXXXXXX XXXX. They claim that they can pass a XXXX XXXX XXXX challenge for you and that " you will get a payout or your money back guaranteed. '' Yes, they passed the prop firm challenge for me as advertised with the prop firm of THEIR CHOOSING. They automatically chose a prop firm called " XXXX XXXX '' to pass the challenge with. XXXX then paid XXXX XXXX {$500.00} for the attempt at passing their prop firm challenge. They passed their challenge and XXXX XXXX quickly reimbursed XXXX the {$500.00} back for their winnings. ( See how this money just came right back to them. ) I was then allowed to trade on their platform. I quickly made about {$5000.00} in profits with XXXX XXXX after 21 days of trading with them myself. However, they never paid me the {$5000.00} that I had made in trading profits. Long story short ... XXXX is a SCAM COMPANY who is in league with XXXX XXXX to make quick profits from people and never give them their money back no matter how much I ask for it unfortunately. Please help me recover my {$660.00} back from Barclays Mastercard because I've already asked for a refund from the XXXX company ( or " XXXX XXXX '' as they are publicly called ) and they won't refund me the money they owe me. The Barclaycard Disputing Department has already been through the disputing process and couldn't find enough " evidence '' to support my claims. ( Although they never even asked for additional evidence from me at all. Which they definitely should have done to begin with. ) Please help me get the justice I deserve from these nasty thieves and robbers! Thanks a million! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | UT | 846XX | null | Consent provided | Web | 12/07/24 | Closed with explanation | Yes | null | 11,068,335 |
11/04/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | CFPB DISPUTE TEMPLATE This is my fourth attempt at notifying your company.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA, as a federally protected consumer, I am revoking & opting out of any and all authorization I, the consumer, may have given XXXX, XXXX, & Experian, written, verbal, & nonverbal, for reporting on XXXX XXXX Account # XXXX XXXX XXXX XXXX ( ACCOUNT NUMBER ENDING XXXX ) XXXX XXXX XXXX ( ACCOUNT NUMBER ENDING XXXX ) for the following months : XXXX XXXX XXXX to XXXX XXXX XXXX XXXX : XXXX to XXXX XXXX XXXX XXXX : XXXX.
According to the Fair Credit Reporting Act 15 USC 1681 section 602, it states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and Experian are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801, which states : " 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.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a financial institution by definition under that title. I have provided this financial institution with an opt out notice.
15 USC 1681 section 604, section 2 states that " In general, Subject to subsection ( c ), any 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.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the financial institution , and the consumer reporting agencies XXXX, XXXX, and Experian do not have my consent to furnish this information, and they surely do not have my written consent.
Any and all consent to XXXX, XXXX, Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied, or otherwise, is revoked regarding the XXXX XXXX Account # XXXX XXXX XXXX XXXX ( ACCOUNT NUMBER ENDING XXXX ) XXXX XXXX XXXX ( ACCOUNT NUMBER ENDING XXXX ) 15 U.S. Code 1681s2 ( A ) ( 1 ) A states : " 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. '' You are now on notice that this information is in fact inaccurate.
U.S. Code 1681e states : " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Please provide evidence of my written consent that authorized your company to list these adverse items on my report. If you can not provide that to me, you are in violation of 1681b under the Fair Credit Reporting Act.
In addition, the XXXX XXXX Account # XXXX AND XXXX XXXX XXXX ( ACCOUNT NUMBER ENDING XXXX ) account is designated as a charge off account. Per 26 U.S. Code 108, charge-off accounts are a certificate of indebtedness and therefore considered income, and income can not be reported on a credit report. The status " Charge Off '' must be updated and immediately removed from the report, supported by IRS Publication 4681. Any authorization, verbal, nonverbal, written, or non-written, I am now rescinding the authorization on reporting from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX : XXXX to XXXX via 15 USC 6802 & 16 CFR 313.7 & whatever authorization XXXX XXXX Experian, & XXXX and XXXX XXXX XXXX XXXX XXXX thought they had regarding the reporting of the derogatory information on this account no longer has, and it is effective immediately and indefinitely.
In addition, the payment status on this account is inaccurate and invalid. Experian, XXXX, and XXXX are required to report the maximum possible accuracy of any information that your company reports. Please verify these late payments from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX : XXXX to XXXX XXXX XXXX XXXX : XXXX.
If you can not verify them, please update these late payments and the account to Paid As Agreed Never Late ( PAANL ) permanently. Provide documentation showing this account is indeed late, or it will be a violation of 15 U.S.C. 1666b and a violation of 15 U.S.C 1637a ( a ).
The late payments are to be updated as Paid As Agreed Never Late ( PAANL ), and the charge-off status for each month for this account is to be removed from my Credit Report effective immediately. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MA | 023XX | null | Consent provided | Web | 11/04/24 | Closed with explanation | Yes | null | 10,668,780 |
12/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | LA | 707XX | null | Consent provided | Web | 12/20/24 | Closed with non-monetary relief | Yes | null | 11,230,456 |
12/04/24 | Credit reporting or other personal consumer reports | Credit reporting | Credit monitoring or identity theft protection services | Didn't receive services that were advertised | I am writing to file a formal complaint regarding the unauthorized access and handling of my credit information by the entities listed below. In accordance with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681, consumers are entitled to privacy and confidentiality in the handling of their personal credit information. Consumer reports may only be accessed for permissible purposes, such as evaluating creditworthiness for a legitimate credit transaction initiated by the consumer.
As the lawful owner of my credit information, I assert that any entity seeking access must do so with explicit authorization and solely for permissible purposes. The following entities have violated my federally protected consumer rights by improperly accessing my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681b, no consumer reporting agency may furnish a consumer report without my explicit written consent. Furthermore, 15 U.S.C. 1681e mandates that consumer reporting agencies maintain reasonable procedures to ensure that credit reports are accessed only for legitimate and permissible purposes. The lack of compliance by these entities constitutes a breach of federal law.
Additionally, any negative items reported on my credit file by these entities must be immediately deleted from XXXX. The handling of my personal information by these companies may also constitute a violation of the Privacy Act, which requires that personal data be accessed and used only for legitimate and authorized purposes.
The resulting inquiries and unauthorized access have caused significant harm to my family and me, including XXXX XXXX and damage to my financial reputation. I respectfully request that this matter be investigated promptly and that all unauthorized inquiries and associated negative items be removed from my credit reports.
Thank you for your attention to this matter. I appreciate your efforts in ensuring that my rights under federal law are upheld. Please feel free to contact me | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CORELOGIC INC | MA | 01810 | null | Consent provided | Web | 12/04/24 | Closed with explanation | Yes | null | 11,029,811 |
12/04/24 | Credit reporting or other personal consumer reports | Credit reporting | Credit monitoring or identity theft protection services | Didn't receive services that were advertised | I am writing to file a formal complaint regarding the unauthorized access and handling of my credit information by the entities listed below. In accordance with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681, consumers are entitled to privacy and confidentiality in the handling of their personal credit information. Consumer reports may only be accessed for permissible purposes, such as evaluating creditworthiness for a legitimate credit transaction initiated by the consumer.
As the lawful owner of my credit information, I assert that any entity seeking access must do so with explicit authorization and solely for permissible purposes. The following entities have violated my federally protected consumer rights by improperly accessing my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CORELOGIC CREDCO LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681b, no consumer reporting agency may furnish a consumer report without my explicit written consent. Furthermore, 15 U.S.C. 1681e mandates that consumer reporting agencies maintain reasonable procedures to ensure that credit reports are accessed only for legitimate and permissible purposes. The lack of compliance by these entities constitutes a breach of federal law.
Additionally, any negative items reported on my credit file by these entities must be immediately deleted from XXXX. The handling of my personal information by these companies may also constitute a violation of the Privacy Act, which requires that personal data be accessed and used only for legitimate and authorized purposes.
The resulting inquiries and unauthorized access have caused significant harm to my family and me, including emotional distress and damage to my financial reputation. I respectfully request that this matter be investigated promptly and that all unauthorized inquiries and associated negative items be removed from my credit reports.
Thank you for your attention to this matter. I appreciate your efforts in ensuring that my rights under federal law are upheld. Please feel free to contact me | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CORELOGIC INC | MA | 01810 | null | Consent provided | Web | 12/11/24 | Closed with explanation | Yes | null | 11,018,394 |
11/12/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77406 | null | Consent provided | Web | 11/12/24 | Closed with non-monetary relief | Yes | null | 10,774,083 |
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