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11/02/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I recently reviewed a copy of my credit report and seen there was some incorrect information listed. Please removed these accounts from my credit report they are hurting my ability to obtain credit and other sources. | null | Experian Information Solutions Inc. | GA | 30034 | null | Consent provided | Web | 11/02/24 | Closed with explanation | Yes | null | 10,662,482 |
11/08/24 | Credit card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Card was charged for something you did not purchase with the card | My XXXX account was hacked so I called them to find help. An employee answered and said would help me. They asked me for some information. Days later they called and said a hacker had all my personal information and was trying to use it. They kept caslling and asking for more information. Then I received a credit card fron XXXX that i did not request. They told me everything the hacker was doing would be cancelled by them. The first activity that appears in that card was un XXXX XXXX Now XXXX is charging me {$6100.00} dollars in one charge and another for {$2.00}, XXXX. I contacted them and asked for an investigation, telling that I did not send that money to anyone. They answered that after investigating they inform me that the transaction was made by me. Now they are asking me to pay {$210.00} and {$29.00} as a a first payment. I made a complaint in the FTC. They rcomended me to get in contact with you. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | PR | 007XX | Older American, Servicemember | Consent provided | Web | 11/08/24 | Closed with explanation | Yes | null | 10,736,769 |
11/07/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 752XX | null | Consent provided | Web | 11/07/24 | Closed with non-monetary relief | Yes | null | 10,708,882 |
11/13/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | On XX/XX/year> TransUnion Credit Agency accepted a fraudulent claim and posted private, personal and inaccurate protected health information regarding an unauthorized action by a 3rd party financial matter that was not signed by a judicial official & obtained from the State of NJ, XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX. This credit information obtained by both TransUnion & the false judgement creditor was false, inaccurate starting from the true & correct name/identity to the correct date of birth according to the Banking Laws. It also is an attempt at removing vital constitutional and financial rights such as who is the true beneficiary, who is the trustee, false assignments of executors etc. At its foundation all information obtained by the 3rd party TransUnion Credit Agency and the public/private agencies in NJ was based on a false registry documentation of my name and date of birth. In addition to that name being copyrighted. This is piracy, slander of title, false identification and copyright infringement aginst me ang my copyright protected persons and vessels. This has injuried me and my family. These identification documents are all being used as presumtive death documents and I am not dead. These actions are damaging to my estate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 104XX | null | Consent provided | Web | 11/13/24 | Closed with explanation | Yes | null | 10,788,503 |
12/14/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have inquiries on my credit report that does not belong to me. These companies are not assisting in removing these fraudulent items XXXX XXXX XXXX XXXX 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 | Stellantis Financial Services US Corp. | GA | 30349 | null | Consent provided | Web | 12/14/24 | Closed with explanation | Yes | null | 11,155,286 |
12/10/24 | Credit card | General-purpose credit card or charge card | Trouble using your card | Can't use card to make purchases | Dear CFPB, I am writing to file a formal complaint regarding the actions taken by Barclays Credit Card concerning my Barclays XXXX XXXX Card. I have been a customer with Barclays for over five years and have consistently managed my account responsibly. However, I have faced ongoing issues with the company, including unresolved disputes, blocked account access, credit limit reduction, and unjust charges.
Details of the Issue : 1. XXXX XXXX XXXX XXXX XXXX XXXX Barclays blocked my Barclays XXXX XXXX Card without prior notice or explanation.
Since then, I have provided all requested documentation three times to resolve the issue, but the card remains blocked, and I have not received any clarification on the status of my account.
2. Credit Limit Reduction : Last week, without prior notice, Barclays drastically reduced my credit limit from {$20000.00} to {$250.00}.
This action has severely impacted my credit utilization ratio and may harm my XXXX XXXX, compounding the inconvenience I have already experienced.
3. Unjust Interest Charges : Despite my account being locked since XXXX, Barclays has charged me interest fees twice during this period.
It is unjust to impose such fees when I have been unable to access or use the account.
4. Unresolved Dispute : Approximately a year ago, I filed a dispute with Barclays regarding a transaction. Despite following up multiple times, this matter was never resolved.
The lack of action on this earlier issue further demonstrates a pattern of poor customer service and disregard for addressing legitimate concerns.
Attempts to Resolve : I have provided the required documentation three times as requested by Barclays, yet no action has been taken to unblock my card.
I have repeatedly contacted their customer service team to seek clarification and resolution, but I have been met with vague responses and no meaningful assistance.
I also followed up on the unresolved dispute from last year several times, but it remains ignored.
Impact on Me : The prolonged card block has caused significant inconvenience, as I have been unable to use it for essential expenses.
The reduction of my credit limit has negatively affected my financial flexibility and may have long-term consequences for my credit standing.
The unjust interest fees and unresolved dispute add to my financial burden and demonstrate a lack of fair treatment by Barclays. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | NY | 10950 | Older American | Consent provided | Web | 12/10/24 | Closed with explanation | Yes | null | 11,107,023 |
12/13/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Synchrony bank is in accurately reporting my payment history on the care credit account. My last payment was on XX/XX/year>. I am requesting my payment history reflects that in accuracy. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | NY | 10801 | null | Consent provided | Web | 12/13/24 | Closed with explanation | Yes | null | 11,151,389 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | A hard inquiry was placed on my account by XXXX XXXX on XX/XX/year>. This is the second fraudulent hard inquiry from XXXX XXXX in 2024, the last being on XX/XX/year>. I had placed a fraud alert on my credit reports on XX/XX/year> and yet this second application was allowed to proceed to hard inquiry without my permission. XXXX XXXX said they that will remove this application but that they would not send me a letter confirming they had and could not explain why the hard inquiry was allowed to proceed. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | ME | 040XX | null | Consent provided | Web | 11/20/24 | Closed with explanation | Yes | null | 10,853,567 |
11/21/24 | 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 | My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 32305 | null | Consent provided | Web | 11/21/24 | Closed with non-monetary relief | Yes | null | 10,857,828 |
11/02/24 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Received bad information about your loan | Complaint - MOHELA failed to timely inform me of my recertification deadline for my IDR.
Background - On XX/XX/year>, I was looking at my MOHELA account dashboard, and it showed that my loan payments are going up to a traditional XXXX yr payment plan amount in XXXX. However, when I went online to my XXXX account, there is a banner at the top of my dashboard that says " If your income has changed, you can get a new monthly payment amount. On an income-driven repayment plan, you usually have to update your income every year ( recertification ). Because of the COVID-19 payment pause, you dont have to update us yet. But if your income has changed, you can update us and get a new monthly payment amount. '' Due to this banner and never receiving information from MOHELA that it was time to recertify, I have not recertified to this point.
On XX/XX/year>, I emailed MOHELA through their online portal the following : " Good afternoon, I was looking at my account and it looks like my loan payments are going up to a traditional XXXX yr payment plan amount in XXXX. However, when I go online to my XXXX account, there is a banner at the top of my dashboard that says " If your income has changed, you can get a new monthly payment amount. On an income-driven repayment plan, you usually have to update your income every year ( recertification ). Because of the XXXX payment pause, you dont have to update us yet. But if your income has changed, you can update us and get a new monthly payment amount. '' Due to this banner, I have not updated my income. Is this why I am being transitioned to a traditional payment plan? '' After my message to MOHELA on XX/XX/year>, I received a separate message from them on the morning of XX/XX/year> indicating that it was time to recertify. It included an attached letter which was dated XX/XX/year>. The letter stated that my deadline to recertify was XX/XX/year>.
I have attached the following : XXXX. XX/XX/year> message from me to MOHELA regarding confusion with recertification XXXX. XX/XX/year> letter attached to XX/XX/year> message from MOHELA XXXX. Print screen of my inbox with MOHELA showing that I was NOT notified of my recertification deadline prior to XX/XX/year> 2024 | Company believes it acted appropriately as authorized by contract or law | MOHELA | TX | 78130 | null | Consent provided | Web | 11/02/24 | Closed with explanation | Yes | null | 10,663,555 |
11/11/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | XXXX XXXX XXXX XXXXXX/XX/year> transunion - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This account is in litigation I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 19138 | null | Consent provided | Web | 11/11/24 | Closed with non-monetary relief | Yes | null | 10,751,407 |
12/20/24 | 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 | This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 90023 | null | Consent provided | Web | 12/20/24 | Closed with non-monetary relief | Yes | null | 11,225,257 |
11/27/24 | 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 | Requested to.have name removes from accounts, I was only the authorized user on the account, account primary other then myself. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | CA | XXXXX | null | Consent provided | Web | 12/05/24 | Closed with non-monetary relief | Yes | null | 10,961,253 |
11/29/24 | Student loan | Federal student loan servicing | Struggling to repay your loan | Problem with forgiveness, cancellation, or discharge | My daughter attended The XXXX XXXXXXXX XXXX XXXX, and the school.closed on her prior to graduation due to fraud. From my understanding, this loans that I received on behalf of her education through the XXXX XXXX XXXX were to be discharged because of this and I have yet to hear any updates about my account specifically. | Company believes it acted appropriately as authorized by contract or law | MOHELA | IL | 60637 | Older American | Consent provided | Web | 11/29/24 | Closed with explanation | Yes | null | 10,970,736 |
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 | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 778XX | null | Consent provided | Web | 12/20/24 | Closed with explanation | Yes | null | 11,227,894 |
11/24/24 | 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 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. | AL | 35235 | null | Consent provided | Web | 11/24/24 | Closed with non-monetary relief | Yes | null | 10,914,632 |
12/18/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | XX/XX/XXXX while applying for a mortgage my lender informed me of a previously disputed collection found on my credit from XXXX. Upon reviewing my credit file, I noticed a new collection placed XX/XX/XXXX from XXXX on my credit report with myself as a co-borrower associated with MONTEREY FINANCIAL, which was inaccurate.
To begin, Ive never disputed nor heard of this collection so I immediately & directly contacted : { MONTEREY FINANCIAL XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA ( XXXX ) XXXX Account Number XXXX Date of XXXX Delinquency Unpaid XX/XX/XXXX Original Amount {$16000.00} XX/XX/XXXX Balance {$29000.00} } at the number provided on my credit report. After providing my name, address, and Social Security number, the representative confirmed that they have no records of me in their system. This discrepancy strongly suggests an error in reporting with XXXX.
Furthermore, I would like to point out the following facts to support my complaint : - Collection company could not verify me - I have never traveled to the country where this timeshare or transaction allegedly occurred.
- In XXXX, the reported timeframe of this activity, I did not possess a valid passport, further proving I could not have been involved in this matter.
- I, XXXX XXXX have never previously disputed this account on any of my credit reports.
I have now asked both the collection company and XXXX being the only reporting agency reporting this information to please resolve this but have had XXXX explanation to my concerns. | Company believes it acted appropriately as authorized by contract or law | Monterey Financial Services LLC | RI | 02893 | Servicemember | Consent provided | Web | 12/18/24 | Closed with explanation | Yes | null | 11,180,770 |
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 | I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity 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. | NY | 10314 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,858,162 |
11/24/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Dispute and Request for Account Removal Pursuant to 15 U.S.C. 1692c ( c ) Dear XXXX XXXX Representative, I am writing to formally dispute the information related to my account with XXXX XXXX XXXX XXXX, as it is currently being reported inaccurately. The account details are as follows : Account Name : XXXX XXXX Account Number : XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am asserting my rights and requesting the cessation of all reporting of this account on my credit report.
The FDCPA mandates that upon receiving notice from a consumer to cease communication regarding a disputed debt, the reporting entity must comply with such a request unless the debt is validated or necessary legal notices are provided. I have reason to believe that the reported account is inaccurate or incomplete, and I am invoking my rights under this law to have this account reviewed, validated, and subsequently removed from my credit report.
To assist in this process, I request the following : Validation of the debt, including proof that this account is accurate and enforceable.
Removal of this account from my credit report if validation can not be provided or if it has been resolved in full.
To expedite this resolution, I have attached the following documents for your reference : A copy of my identification ( drivers license or government-issued ID ).
A copy of any correspondence or documentation related to this account ( if applicable ).
I request that your office investigate this matter promptly and provide a response in writing within 30 days, as required by law. Should your office fail to validate the account or comply with this request, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies.
Thank you for your attention to this urgent matter. Please provide confirmation once the account has been removed from my credit report or validated to my satisfaction. Should you require additional information, I can be reached at XXXX or XXXX.
Sincerely, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TN | 38128 | null | Consent provided | Web | 11/24/24 | Closed with non-monetary relief | Yes | null | 10,913,889 |
11/14/24 | 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 | 79938 | null | Consent provided | Web | 11/14/24 | Closed with non-monetary relief | Yes | null | 10,804,972 |
11/23/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Erroneous Late Payment Reporting Dept. of Education/XXXX XXXXo Whom It May Concern, I am writing to formally dispute inaccurate information on my credit reports with XXXX, XXXX, and TransUnion concerning the Department of EducationXXXX XXXX Specifically, the reports erroneously list 90-day late payments that do not follow the proper progression of late-payment reporting as per credit reporting standards.
Below are the details of the discrepancies : XXXX : XX/XX/XXXX and XX/XX/XXXX, listed as 90 days late.
XXXX : XX/XX/XXXX and XX/XX/XXXX, listed as 90 days late.
TransUnion : XX/XX/XXXX and XX/XX/XXXX, listed as 90 days late.
At no point do the reports reflect a 30-day or 60-day late payment prior to these listings, which would typically precede a 90-day late designation. This abrupt designation of 90 days late is entirely erroneous and violates the accuracy obligations imposed on furnishers of credit information under the Fair Credit Reporting Act ( FCRA ).
Additionally, I would like to bring to your attention that XXXX has previously been implicated in data security and reporting failures. In XX/XX/XXXX, a class action lawsuit was filed in the U.S. District Court for the District of Nebraska, alleging that XXXX systematically violated federal laws designed to protect borrowers ' rights and financial well-being. This history of negligence and improper reporting practices raises serious concerns about the accuracy and reliability of the information they have furnished to the credit bureaus in my case.
These errors have negatively impacted my credit score and financial standing. It is imperative that : The listed late payments are thoroughly investigated.
Any erroneous entries are corrected or removed entirely from my credit reports.
Documentation is provided explaining the results of the investigation and the actions taken to rectify the issue.
Under the FCRA, credit reporting agencies and furnishers of information, such as XXXX, are required to report accurate information and promptly correct errors. XXXX 's reporting of my account appears to fail these standards. I request immediate action to resolve these inaccuracies and safeguard my consumer rights.
Should this matter not be resolved promptly and satisfactorily, I reserve the right to pursue further action, including filing a complaint with the Federal Trade Commission ( FTC ) or initiating legal proceedings.
Thank you for your immediate attention to this matter. Please contact me at your earliest convenience for any additional information needed to expedite this resolution.
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. | NC | 27526 | Servicemember | Consent provided | Web | 11/23/24 | Closed with non-monetary relief | Yes | null | 10,909,335 |
12/09/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | Checked my credit report XX/XX/year> and XX/XX/year> noticed a hard inquiry that wasn't authorized by me, I didn't open this credit card which is classified as an installment loan. I spoke with XXXX XXXX about the issue at hand. She confirmed that this account which isn't activated is flagged as a fraudulent application and I am not liable for this mishaps. XXXX also stated that the company will file a dispute to the credit bureaus and highly suggest that I submit an identity theft report with FTC. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Continental Finance Company, LLC | SC | 29150 | null | Consent provided | Web | 12/09/24 | Closed with explanation | Yes | null | 11,080,010 |
11/07/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.
I am filing this to report five fraudulent accounts appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a loan opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; and a credit card collection account opened on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report, including inquiries from XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXXXX/XX/XXXX. I demand that the aforementioned fraudulent items be removed from my consumer report.
These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( Private Case Number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NH | 03103 | null | Consent provided | Web | 11/07/24 | Closed with explanation | Yes | null | 10,725,336 |
11/07/24 | 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. | CO | 806XX | null | Consent provided | Web | 11/07/24 | Closed with non-monetary relief | Yes | null | 10,725,338 |
11/29/24 | Credit card | General-purpose credit card or charge card | Trouble using your card | Credit card company won't increase or decrease your credit limit | Disappointed with XXXX XXXX XXXX I have been a long-time customer of Wells Fargo and recently took steps to improve my financial health by paying down {$5000.00} of my {$12000.00} credit card balance to reduce my credit utilization ratio and improve my credit score. Unfortunately, after making this significant payment, I was disappointed to see that my credit limit was reduced by the exact amount I paid, effectively nullifying my effort to lower my credit utilization ratio.
This action feels counterintuitive and gives the impression that Wells Fargo penalizes me for my responsible financial behavior. The reduction in my credit limit has negatively impacted my credit score, which is the opposite of what I was working to achieve. I would appreciate it if the bank re-evaluated this policy to better support customers who are making an effort to manage their finances responsibly. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NY | 10710 | null | Consent provided | Web | 11/29/24 | Closed with explanation | Yes | null | 10,969,945 |
11/29/24 | Credit card | General-purpose credit card or charge card | Other features, terms, or problems | Problem with balance transfer | Case # XXXX. Truist bank decreasing my spending limit. Is a breach of contract. Im enforcing my basic consumer rights to be informed. The right to redress. The right to service the right to choose. Also Im enforcing my consumer responsibilitys. Right to safety. I applied for credit card with an application. Which is a consumer credit transaction. With truist bank. I was given XXXX for my original credit limit which is the original contract agreement they then lowered my original credit limit to XXXX which is a breach of contract. I have the right to credit. Withholding my access to my securities is security fraud. You are violating the equal credit opportunity act. And consumer protection credit act. Since you are denying me my full amount of credit. Please retract my application. Thank you. XXXX XXXX agent to XXXX XXXX XXXX federal reserve section 16 part XXXX states granting right to issue notes the board of governors of the federal reserve system shall have the right acting through the federal reserve agent to grant in whole or in part or to reject entirely the application.of any federal reserve bank for federal reserve notes. But to the extent that such application my be granted the board of governors of the federal reserve system shall through its local federal reserve agent supply federal reserve notes. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | FL | 34769 | null | Consent provided | Web | 11/29/24 | Closed with explanation | Yes | null | 10,969,920 |
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 | Was informed by XXXX XXXX that my information had been compromised in a recent data breach.
I froze all XXXX of my credit reports and went over them and identified an inquiry ( XXXX Bank XX/XX/year> ) I do not recognize nor remember initiating, I then verified that I had no personal credit account open with them.
I called into Transunion and tried to have the inquiry removed but they said I needed several documents ( State ID, Social Security Card, Police Report/Affidavit, Recent Utility Bill/Bank statement ) I am submitting those document through this complete in hopes of a fast resolution. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30016 | null | Consent provided | Web | 11/08/24 | Closed with non-monetary relief | Yes | null | 10,724,396 |
11/28/24 | Credit card | General-purpose credit card or charge card | Fees or interest | Problem with fees | I am writing to file a complaint regarding Citi 's handling of a membership fee on my Citi AAdvantage credit card. When I signed up for the card, I was informed of a promotional offer that waived the membership fee for the first year.
Before the year was up, I contacted Citi to convert my card to a no-fee credit card to avoid the membership fee. I was told by Citi 's customer service that I could not convert the card until the one-year promotional period was complete. They also assured me that if the membership fee was charged after the one-year period, it would be refunded once the card was converted to a no-fee option.
When Citi notified me that the membership fee was about to be charged, I called again and converted the card to a no-fee option as instructed. However, the membership fee has now appeared on my statement, and when I contacted Citi to dispute the charge, they informed me that the fee could not be refunded in full. Instead, I was told I would need to pay a prorated amount for the period until today.
This contradicts the assurances I was given multiple times, both when I initially inquired about converting the card and when I converted it to a no-fee option. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | NC | 27612 | null | Consent provided | Web | 11/28/24 | Closed with monetary relief | Yes | null | 10,962,115 |
11/07/24 | 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 | Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 78229 | null | Consent provided | Web | 11/07/24 | Closed with non-monetary relief | Yes | null | 10,712,462 |
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 ( 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 | 60085 | null | Consent provided | Web | 11/07/24 | Closed with non-monetary relief | Yes | null | 10,707,539 |
11/08/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am formally disputing the accounts refleted on my credit file, which were added without my consent. pursuant to section 604 of FAIR CREDIT REPORTING act 15 U.S.C 1681b, there are specific permissible purposes required to report an account on my credit file. I did not authorize theses accounts and I do not find any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE ACCOUNTS XXXX XXXXXXXX ACCOUNTS NUMBER XXXX AND 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. | FL | 32824 | null | Consent provided | Web | 11/08/24 | Closed with non-monetary relief | Yes | null | 10,722,005 |
11/02/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CO | 80211 | null | Consent provided | Web | 11/02/24 | Closed with explanation | Yes | null | 10,662,534 |
11/24/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TN | 376XX | null | Consent provided | Web | 11/24/24 | Closed with non-monetary relief | Yes | null | 10,914,383 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.
As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.
The identity of the entity or entities responsible for conducting the verification process.
Any documentation or evidence used to substantiate the accuracy of the disputed items.
I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11510 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,861,773 |
11/08/24 | 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 Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681.
ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX Record type Bankruptcy XXXX XXXXdischarged Court US BK CT-XXXX XXXX XXXX ACCOUNT : SOC SEC ADMIN OFFICE O Account number XXXX INQUIRY : XXXX XXXX XXXX Inquiry date - XX/XX/2023 XXXX U.S.C 1681 Section 602 A. State I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.
15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452 | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MI | XXXXX | null | Consent provided | Web | 11/08/24 | Closed with non-monetary relief | Yes | null | 10,724,342 |
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 formally request the blocking and deletion of fraudulent accounts on my credit report. I am a victim of a data breach, and as a result, unauthorized accounts have been added to my credit file. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be blocked and deleted from my credit history.
Fraudulent Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | NC | 275XX | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,866,386 |
12/03/24 | Credit card | General-purpose credit card or charge card | Incorrect information on your report | Account status incorrect | The following credit card account is listed on my credit reports as charged off. However, when requested a copy of the 1099-C so that I can report it ( write if off ) as income, no documents have been provided. The denial to provide tax documents is alert of fraudulent activity.
THD/CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | GA | 30038 | null | Consent provided | Web | 12/03/24 | Closed with non-monetary relief | Yes | null | 11,005,836 |
12/04/24 | Credit card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Card was charged for something you did not purchase with the card | My account was charged {$930.00} on XX/XX/year>.
The charge was made in XXXX, XXXX.
I have never been to XXXX, XXXX.
I notified the credit card company and they stated that I made the charge.
I re-submitted my dispute via Certified Mail requesting proof of purchase and they emailed me that they had re-opened the investigation. That was 30 days ago and no proof of purchase has been provided or communication received. The charge remains on my account and they are now charging interest thereon.
The charge identifies a company that XXXX XXXX XXXX shows to be a commercial wholesaler. Clearly not a company making sales to foreign individuals.
Essentially, my complaint rests on my belief that I should not be liable for unrecognized purchases for which proof of purchase can not be provided. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | TN | XXXXX | Older American | Consent provided | Web | 12/04/24 | Closed with explanation | Yes | null | 11,034,045 |
11/21/24 | 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 recently checked my credit I recognized I had some unauthorized hard inquiries on my transunion credit report ; these are the inquiries - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IN | 46208 | null | Consent provided | Web | 11/21/24 | Closed with explanation | Yes | null | 10,855,180 |
11/01/24 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Trouble with how payments are being handled | I submitted a payment of {$1000.00} on XX/XX/year> for my Unsubsidized loan through Mohela on student aid.gov/mohela and the money was taken out on that date but hasn't hit my mohela account yet. It's been almost 2 months and my money is out of my account and not on my Mohela account on that loan. I paid it then because I didn't want interest to keep reoccurring and interest keeps building because it isn't on my loan. I've tried calling Mohela but wait times are over an hour every time. | Company believes it acted appropriately as authorized by contract or law | MOHELA | IL | 60451 | null | Consent provided | Web | 11/01/24 | Closed with explanation | Yes | null | 10,655,884 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | There are late payment errors on my credit report that dont align with my payment history. Please update the report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30058 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,863,820 |
11/07/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Subject : Request for Verification and Correction of Late Payment Information on Credit Report - Section 611 of the FCRA To whom it may concern, I am writing to you as a consumer to dispute the inaccurate late payment information reflected in my credit report issued by XXXX. In accordance with Section 611 of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), I formally request that you conduct a thorough investigation and verify the accuracy of the information in question. This request is based on my right to have only truthful and accurate information reported on my credit history.
Specifically, my credit report shows late payments on the following accounts, which I believe are incorrect as the payments were made on time. Therefore, I demand that the following accounts be re-investigated and that any inaccurate or unverified information be removed in compliance with FCRA provisions.
XXXX. XXXX XXXX XXXX Account Number : XXXX Late Payment Listed : XX/XX/XXXX ( 30 days ) XXXX. XXXX XXXX XXXX Account Number : XXXX Late Payments Listed : XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 30 days ) XXXX. XXXX XXXX XXXX : Account Number : XXXX Late Payments Listed : XX/XX/XXXX ( 30 days ) Date opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX : Account Number : XXXX Late Payments Listed : XXXX XXXX ( 30 days ), XX/XX/XXXX ( 30 days ) In accordance with Section 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information in a consumers file. Additionally, Section 15 U.S.C. 1681i ( a ) ( 5 ) mandates that if, after an investigation, you can not verify the accuracy of this information, it must be immediately removed from my credit file.
Furthermore, I am exercising my right to verification under Section 1681i ( a ) ( 7 ), requesting that you provide details on the method of verification used to confirm the accuracy of these late payment records. If you can not provide this verification in a complete and detailed manner, I demand the removal of all information related to the aforementioned late payments.
Please send me an updated copy of my credit file once the investigation is completed, as provided for under my right to access updated information. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | UT | 84081 | null | Consent provided | Web | 11/07/24 | Closed with non-monetary relief | Yes | null | 10,726,363 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11416 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,864,670 |
11/24/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute of Inaccuracies on Credit Reports Regarding XXXX XXXX To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit reports concerning an account with XXXX XXXX XXXX The information reported by XXXX, XXXX, and TransUnion reflects inconsistencies and misrepresentations that are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.
Specifically, my concerns are as follows : Misrepresentation of the Credit Limit : My credit report lists a credit limit of {$6900.00} for the XXXX XXXX account. However, this account has been charged off and is no longer active. Listing a credit limit on a charged-off account constitutes a misrepresentation, as I am unable to utilize this credit line.
Misleading Available Credit : XXXX inaccurately reports that I have an available credit balance of - {$2300.00}. This figure is misleading and mathematically incorrect, creating confusion regarding the true status of this account.
The reporting of a charged-off account with an active credit limit and misleading available credit figures violates my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits the use of false, misleading, or deceptive representations in connection with the collection of any debt.
The credit reporting agencies ' failure to ensure the accuracy of the information provided to them by XXXX XXXX and their subsequent misrepresentation of this account also violates 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.
Requested Resolution : I demand that the Consumer Financial Protection Bureau intervene to : Investigate the inaccuracies regarding the XXXX XXXX account across all three credit reporting agencies.
XXXX XXXX, XXXX, and TransUnion to correct or remove all misrepresentations related to this account, including the reported credit limit and available credit.
Provide me with confirmation of the corrections or deletions made to my credit reports.
I have enclosed copies of my credit reports highlighting the disputed information, as well as supporting documents demonstrating the misrepresentation.
Please take immediate action to address these violations of my consumer rights. I look forward to your response within the 30-day timeframe mandated under the Fair Credit Reporting Act.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 27526 | Servicemember | Consent provided | Web | 11/24/24 | Closed with non-monetary relief | Yes | null | 10,909,446 |
11/07/24 | 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 34772 | null | Consent provided | Web | 11/07/24 | Closed with non-monetary relief | Yes | null | 10,707,537 |
11/27/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I want everything listed removed from XXXX, XXXX and XXXX.
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX 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, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 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. 15 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. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
They sent me letter after letter and I kept telling them this is not mine. They kept calling and calling I had to change my number.
XXXX XXXX XXXX XXXX XXXX *RADIUS GLOBAL SOLUTIONS LLC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Radius Global Solutions LLC | VA | 236XX | null | Consent provided | Web | 11/27/24 | Closed with explanation | Yes | null | 10,963,182 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NJ | 07047 | null | Consent provided | Web | 11/20/24 | Closed with explanation | Yes | null | 10,853,403 |
11/07/24 | 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. | FL | 33020 | null | Consent provided | Web | 11/07/24 | Closed with non-monetary relief | Yes | null | 10,722,244 |
12/01/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I have not supplied proof under the doctrine of estoppel silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | MS | 39759 | null | Consent provided | Web | 12/01/24 | Closed with non-monetary relief | Yes | null | 10,987,479 |
11/07/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | My credit report has items that have resulted from fraud which I never benefitted from.
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 92832 | null | Consent provided | Web | 11/07/24 | Closed with non-monetary relief | Yes | null | 10,702,752 |
11/07/24 | 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 XXXX years.
XXXX5 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. | NJ | 080XX | null | Consent provided | Web | 11/07/24 | Closed with non-monetary relief | Yes | null | 10,704,425 |
11/07/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am writing to address multiple unresolved issues with the information on my credit report in TRANSUNION, despite prior disputes I filed regarding inaccuracies. I initially reached out to correct discrepancies, including errors in the dates of last payments, dates accounts were opened, payment history, and account status. After providing supporting documentation, I was assured that an exhaustive examination had been conducted. However, as of today, my credit report remains unchanged, and the errors persist. Moreover, I have noticed negative actions have been taken on my credit report despite these unresolved issues. My full name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX XXXX. My date of birth is XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. Under 15 U.S.C. 1681e ( b ), TRANSUNION is required to maintain reasonable procedures to ensure the accuracy of the information provided, and my submitted evidence of inaccuracies shows a failure to do so. According to 15 U.S.C. 1681i, TRANSUNION is obligated to investigate disputes within 30 days, but I have not received any update or resolution. This delay constitutes a violation of my rights. Furthermore, under 15 U.S.C. 1681 ( a ) and 1681b, a consumer report can not be shared without my written consent unless exceptions apply. I request confirmation that my consent was obtained for any recent disclosures of my credit report. As part of my efforts to resolve this matter, I have filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX and expect TRANSUNION to cooperate with the FTC in addressing these concerns. To resolve this promptly, I request a reinvestigation of my credit report, specifically addressing the inaccuracies in payment dates, account opening dates, payment history, and account status. I further request that erroneous information be corrected or removed immediately. Please provide a detailed written response outlining the steps taken to resolve these issues and ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and resolution within the legally required 30-day timeframe. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MS | 39213 | null | Consent provided | Web | 11/07/24 | Closed with non-monetary relief | Yes | null | 10,705,101 |
11/07/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | " I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).
" | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | SC | XXXXX | null | Consent provided | Web | 11/07/24 | Closed with non-monetary relief | Yes | null | 10,702,737 |
12/17/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Good evening. I recently filed a complaint with your organization regarding discrepancies with my credit report for Transunion, XXXX and XXXX. You organization just corrected a major error with XXXX. After XXXX corrected the issues. XXXX lowered my scored approximately XXXX points which is not significant. However, it was stagnant during the time period your organization investigated XXXX and eventually it decreased. My credit card payments are on time and no explanation was provided why they decreased my score.
My TransUnion score also dropped XXXX points for no apparent reason. A few weeks after your organization corrected the inaccuracies with XXXX XXXX XXXX dropping Transunion and XXXX remain stagnate and eventually decreased. An attachment of the credit score dropping is attached | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33025 | null | Consent provided | Web | 12/20/24 | Closed with explanation | Yes | null | 11,194,902 |
12/19/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the credit report act, this creditor has violate my rights under 15 USC 1681 Section 602 state.
I have the right to privacy, under section 15 USC 1681 Section 604A ( 2 ), it also state a consumer can not submit an account information without my reading instructions under 15USC 1681 166 ( B ).
A creditor may not treat a payment on a credit card or Loan under an open consumer 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 | 32221 | null | Consent provided | Web | 12/19/24 | Closed with non-monetary relief | Yes | null | 11,201,204 |
11/04/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | THIS IS NOT A DUPLICATE! And i did not authorize any loan nor did i request any loan with your company. At this time i ask you to remove this inquiry off of my credit report with Transunion due to the fact that i did not authorize this. I have here the FTC report with you all attached to it ( XXXX XXXX ) also attached to this complaint listing that this matter is now marked fraud. Please remove this inquiry off my record. thank you. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | OH | 45237 | null | Consent provided | Web | 11/07/24 | Closed with explanation | Yes | null | 10,685,843 |
11/07/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you 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. | FL | 32796 | null | Consent provided | Web | 11/07/24 | Closed with non-monetary relief | Yes | null | 10,702,595 |
11/07/24 | 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 | A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over XXXX days since I filed my complaint. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 90026 | null | Consent provided | Web | 11/07/24 | Closed with non-monetary relief | Yes | null | 10,720,117 |
12/09/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | ***THIS IS A NEW COMPLAINT*** This new complaint includes new evidence of Fair Collections and Outsourcing failure to properly address any and all previous complaints by myself and or inquiries from XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
The previous complaint filed on XX/XX/XXXX had not been addressed as of XX/XX/XXXX.
This formal complaint is submitted against Fair Collections & Outsourcing ( hereinafter referred to as " Creditor '' ) and the credit reporting agencies ( hereinafter referred to as " CRAs '' ) XXXX and XXXX for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), specifically Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ), codified under 15 U.S.C. 1681c-2, 1681m ( f ), and 1681s-2 ( a ) ( 6 ), among others. This complaint addresses the reporting and reinvestigation of inaccurate, misleading, and obsolete negative information, which has caused financial and emotional harm, as detailed below. Basis for Complaint XXXX. Misrepresentation of Debt as " Charged Off '' Income The debt in question, reported as " charged off, '' constitutes income under IRS regulations when a XXXX has been issued. Per 15 U.S.C. 1681s-2, creditors are prohibited from furnishing inaccurate or misleading information. Reporting this debt as charged off post-XXXX issuance is a material inaccuracy and a direct violation of the FCRA. XXXX. Failure to Conduct Reasonable Investigations Upon identifying these inaccuracies, I submitted disputes to both the Creditor and the CRAs. Despite their obligation under 15 U.S.C. 1681i ( a ) to conduct reasonable reinvestigations, they failed to remove the inaccurate information. This failure demonstrates willful non-compliance and blatant disregard for federal law. XXXX. Obligation to Block Information Under Section 605B ( 15 U.S.C. 1681c-2 ) I assert my rights under Section 605B, which mandates the blocking of any information identified as resulting from errors or unverifiable circumstances when proper documentation is provided. The CRAs have failed to comply, even after receiving documentation substantiating the inaccuracies of the accounts. Despite my disputes and evidence provided, these items remain on my credit report, in direct violation of the blocking requirements of 1681c-2 ( b ). XXXX. Failure to Provide a Clear and Specific Adverse Action Notice ( Section 615 ( f ), 15 U.S.C. 1681m ( f ) ) Section 615 ( f ) obligates the Creditor and CRAs to inform me of the specific actions taken against me and the reasons for such actions. The denial of credit due to these inaccurate reports, coupled with the absence of a sufficient explanation or resolution, reflects non-compliance with this section. XXXX. Furnishers ' Duties to Update and Correct Information ( Section 623 ( a ) ( 6 ), 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) The Creditor has failed to fulfill its obligation under Section 623 ( a ) ( 6 ) to promptly update and correct information after being notified of disputes. The continued reporting of these accounts as negative despite my disputes further evidences their willful or negligent disregard of their statutory duties. Negative History and Harm Caused XXXX Obsolete Negative History Under 15 U.S.C. 1681c ( a ), outdated negative information must not appear on my credit report. These accounts include negative history beyond the permissible reporting periods, exacerbating the harm caused. XXXX. Financial Harm and Opportunity Loss i. As previously stated, the denial of credit due to these inaccuracies has forced me into overpriced temporary housing after escaping an abusive living situation. ii. The continued presence of this negative information has also prevented me from obtaining transportation necessary to accept better employment opportunities, hindering my ability to improve my financial standing. XXXX. Emotional and Psychological Impact i. The inaccurate and unresolved reporting has caused undue stress, anxiety, and emotional harm as I attempt to rebuild financial stability after a challenging period in my life. Legal Precedent and Enforcement To support my claims and further establish the obligations of creditors and CRAs under the FCRA, I reference the following cases where courts ruled in favor of consumers for similar violations : XXXX. XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) Highlighted CRAs ' obligations to reinvestigate disputes and the significant harm caused by non-compliance. XXXX. XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX that CRAs and furnishers must ensure the accuracy of information reported and correct known errors promptly. XXXX. XXXX v. XXXX XXXX Bank, XXXX, XXXX XXXX XXXX. XXXX XXXX ( S.D. XXXX XXXX ) Stated that consumers have a right to statutory damages when negative and inaccurate information remains unresolved after disputes. XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) The court held that CRAs must conduct a " reasonable investigation '' of disputed information and XXXX be held liable for failing to do so. XXXX. XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) The court ruled that creditors could be held liable under 15 U.S.C. 1681s-2 ( b ) for failing to correct inaccurate information after receiving notice of a dispute. XXXX. XXXX v. XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) The court emphasized that furnishers of information have a duty to investigate disputes forwarded by CRAs and correct inaccuracies. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX the need for CRAs to go beyond surface-level investigations and make substantive corrections to avoid liability under the FCRA. Statutory and Additional Demands XXXX. Immediate Removal and Blocking I demand the immediate removal of the accounts in question from all credit reporting agencies under 15 U.S.C. 1681c-2. These accounts are inaccurate and unverifiable, and their continued reporting is a clear violation of my rights under the FCRA. XXXX. Statutory Damages For the violation of my rights under the FCRA, I demand statutory damages of {$1000.00} per violation for each month that the inaccurate information remained on my credit report. This includes willful violations under 15 U.S.C. 1681n and negligent violations under 15 U.S.C. 1681o. 3. Penalties for CRAs As specified under 15 U.S.C. 1681q, penalties for intentional and unintentional violations range from {$100.00} to {$1000.00} per occurrence and are not subject to limitations. XXXX. Corrective Measures I require written confirmation from both the creditor and the credit reporting agencies detailing the steps taken to rectify these errors and the measures implemented to prevent future occurrences XXXX. Legal Action for Damages I reserve the right to file a lawsuit for : o Willful and negligent violations of the FCRA. o Emotional distress and financial losses caused by these violations, as supported by the specific harm detailed in this complaint. XXXX. Reporting to XXXX and XXXX XXXX XXXX to comply will result in reporting these violations to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. If necessary, I will also report these issues to the IRS for any related tax implications, as the continued reporting of these accounts may constitute further violations. Timeline of Disputes and Non-Compliance I have included documentation with proof of dates, date of delivery, filing dates, etc., that evidence a pattern of willful non-compliance. Conclusion The Creditor and CRAs have failed to fulfill their statutory obligations, resulting in significant harm to my financial and emotional well-being. I request immediate resolution and statutory damages for their continued non-compliance. Should this matter remain unresolved, I will pursue and exhaust all legal remedies available to me. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | FAIR COLLECTIONS & OUTSOURCING, INC. | FL | XXXXX | null | Consent provided | Web | 12/09/24 | Closed with explanation | Yes | null | 11,091,355 |
11/14/24 | 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 disputed the accuracy of the account and around XX/XX/year> you certified to XXXX the information was accurate. I believe you failed to conduct a reasonable investigation and for that reason i am requesting the following information.
Retail Installment Sales Contract/ Lease Agreement/ Auto Loan Contract Include any Arbitration Provisions Complete Accounting and Payment History Notice of Sale/ Notice of Default w/ proof of mailing Explanation of Calculation of Surplus or Deficiency w/ proof of mailing Notice to redeem personal property w/ proof of mailing Details regarding whether the sale was public or private Please provide proof {$8500.00} was written off. Please provide charge off disclosure and date it was charged off, provide documentary evidence of how the account is now {$9200.00} past due.
Although i was only a co signer at the time i am requesting all accounting records and documentary evidence. I believe the account is reported inaccurately because the account by commercial standards was a credit sale and no money was loaned to me or on my behalf. Please also provide all assignments and transfers. To my knowledge it is unlawful to use the property as collateral for a receivable. To my knowledge the security interest secured all that was owed. I believe you are engaging in unfair and deceptive trade practices. I didnt apply for a loan from you and you gave me and the buyer cash for the car. This was a consumer credit transaction derived from a CREDIT SALE. Please be aware that you have a fiduciary duty to perform and your failure to perform constitutes negligence and a restraint on trade. I entrust that you will conduct a reasonable investigation into the inaccurate, incomplete, and unveried information. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | MD | 20744 | null | Consent provided | Web | 11/14/24 | Closed with explanation | Yes | null | 10,798,172 |
12/08/24 | 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 am writing to file a complaint regarding Citis handling of several disputes I submitted for transactions on my credit card. Despite following all necessary steps, I have encountered the following issues : 1. I submitted additional documentation via fax to support my disputes, but Citi failed to attach my documentation to all of my dispute cases.
2. Citis responses to my cases were inconsistent. Even though I provided the same documentation for each dispute, Citi approved some cases and declined others without clear justification.
3. I am unable to access Citis online dispute center to review or track the status of my disputes, further complicating the resolution process.
Given these issues, I am requesting that Citi conduct another review of the disputes that were previously declined. I believe my documentation supports the validity of my claims and that these cases should be approved. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | CA | 91775 | null | Consent provided | Web | 12/08/24 | Closed with explanation | Yes | null | 11,064,174 |
12/09/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am writing to formally lodge a complaint regarding the numerous inaccuracies and unauthorized activities reported on my credit file, as well as the ongoing issues with your handling of my case. My ordeal began in 2015, and despite multiple attempts to resolve these issues, I have faced persistent neglect and unresponsiveness. Unresponsive Customer Service : Each time I call your office, I am directed to representatives who lack proficiency in American English, making effective communication nearly impossible. Furthermore, I have repeatedly received letters from your agency stating that you refuse to investigate my disputes, claiming that a credit repair lab is involveda claim which is completely untrue. I have submitted a valid police report clearing my name, yet your agency continues to disregard it. Inaccurate Personal Information : Even my basic personal information, including my name and address, is incorrect on your records. Please note that my correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX It is unacceptable that this misinformation persists despite my repeated attempts to correct it. Unauthorized and Bogus Inquiries : I have identified several unauthorized inquiries and accounts on my credit report that I believe your agency has mishandled. XXXX XXXX All accounts XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -All accounts XXXX XXXX XXXX XXXX all accounts XXXX XXXX I have never provided permissible purpose for these accounts, nor have I authorized the establishment of these accounts. The persistent presence of such items leads me to believe that your agency has failed to take adequate measures to protect my credit file. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Fidelity National Information Services, Inc. (FNIS) | CO | 80126 | null | Consent provided | Web | 12/09/24 | Closed with explanation | Yes | null | 11,085,601 |
12/20/24 | 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 received an alert on my credit report in regards to a new account I never opened in which I hadn't. I've never applied for or accepted an offer with XXXX XXXX XXXX XXXX and I would like them removed off my credit report. XXXX XXXX XXXX XXXX is in violation of the law and should be reported to the FDIC as their violating consumer and credit laws. I'm asking for XXXX XXXX XXXX XXXX to provide a contract that shows that I have provided an application or have accepted an offer from them as I have not. I won't them deleted off my credit report.
I've disputed this information with the credit bureaus and I've asked the company cor a cease and desist and they keep contacting me which lawis a violation of the.
According to 15 USC 16 96 G I'm entitled to a history of payments paid by me as the keep stating I gave an account with their company as I have never never done any business with this company.
I would also like to see my signature on this account guaranteeing I would pay this creditor.
I'm asking has there been any insurance claim found on this debt.
I want proof on a change of title that you can collect on this debt.
Continental Financie is stating I owe them a debt and I have received a welcome letter they received on a previous complaint. Continental Finance didn't have my email and this is notification of a cease and desist.
On a previous complaint they stated they sent a welcome letter which was terms and conditions of whatever fraudulently product the have on my credit report that needs deleted.
I've never done business with this company and if they continue to report on my credit report they are in violation of the law and I'm entitled to {$1000.00} per violation.
Continental Finance needs to delete delete any and all information that is related to them and if they refuse I will use all laws applicable to me and sue.
The documentation I've uploaded came from Continental Finance in which they state is a welcome letter in which it is not. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Continental Finance Company, LLC | IL | XXXXX | null | Consent provided | Web | 12/20/24 | Closed with explanation | Yes | null | 11,224,723 |
12/10/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Chex system has been issuing denial letters to banks. Saying XXXX an account or inhabe something delinquent on my report. The following day I pulled my chexsystems report and there is nothing negative on my report at all nothing opened nothing negative at all. Also I know the cfpb as well as the corporations they protect are not here for us as consumers but to protect the business from us as consumers. So if my issues is not resolved within 7 days of this complaint Ill file suit against both Chex systems and the cfpb. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Fidelity National Information Services, Inc. (FNIS) | OK | 735XX | null | Consent provided | Web | 12/10/24 | Closed with explanation | Yes | null | 11,081,194 |
11/28/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | 15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
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 | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | NC | 28083 | null | Consent provided | Web | 11/28/24 | Closed with explanation | Yes | null | 10,964,269 |
11/02/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | Subject : Formal Dispute and Conditional Acceptance of Account Resolution Dear CFPB, I am writing to file a complaint against Capital One regarding an endorsed remittance coupon, a billing dispute, and account closure.
On XX/XX/year>, I submitted my payment using the remittance coupon provided with my statement. Despite following the correct procedures, my payment was not accepted, and my account was closed without any prior notification or explanation from Capital One.
Following this, I sent a notice of default to Capital One on XX/XX/year>, and a pre-arbitration notice on XX/XX/year>. Despite receiving the green return receipt slip, Capital One 's customer care team has informed me that no such correspondence has been received.
Capital One 's failure to process my endorsed payment constitutes a breach of federal laws, including : 15 U.S.C. 1666 The Fair Credit Billing Act ( FCBA ) : Capital One is required to properly credit payments as endorsed and delivered according to the statements instructions. Their failure to do so amounts to a billing error under the law.
Uniform Commercial Code ( UCC ) Articles 3 and 4 : The negotiable instrument I provided is endorsed under the UCC, which governs commercial transactions. By failing to accept and process the negotiable instrument, Capital One is in breach of UCC regulations.
15 U.S.C. 1692f Fair Debt Collection Practices Act ( FDCPA ) : If the refusal to accept the payment was an attempt to charge additional fees, it may be an unlawful attempt to collect a debt in violation of the FDCPA.
Consumer Protection Laws : This refusal, after I complied with their instructions, violates general consumer protection laws, including the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ). | null | CAPITAL ONE FINANCIAL CORPORATION | FL | 32828 | null | Consent provided | Web | 11/02/24 | Closed with explanation | Yes | null | 10,664,539 |
11/07/24 | 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. | FL | 32771 | null | Consent provided | Web | 11/07/24 | Closed with non-monetary relief | Yes | null | 10,706,283 |
12/22/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | I have reached out via email, mail and phone in regards to have my credit profile corrected : updated and Ive yet to get a response Im not able to get a report or can I create and account with any of the credit agencies to monitor my credit | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 610XX | null | Consent provided | Web | 12/22/24 | Closed with explanation | Yes | null | 11,239,354 |
11/16/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Im a victim of Identity theft in about XXXX dollars. Got a 30 day late from the reason being. On XX/XX/year> I looked at my credit report and noticed some inaccuracies. I sent a letter to XXXX XX/XX/year> asking them to investigate these accounts XXXX Wells Fargo According to 15 USC 1i ( 5 ) I see it states that after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found inaccurate or incomplete or can not be verified. The credit bureaus did not investigate and violated my right. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | MN | 55443 | Servicemember | Consent provided | Web | 11/20/24 | Closed with explanation | Yes | null | 10,825,882 |
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 | I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 606XX | null | Consent provided | Web | 11/15/24 | Closed with explanation | Yes | null | 10,806,014 |
11/18/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | I am writing to file a formal complaint against Citibank for their failure to comply with my rights as outlined under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which provides protections to survivors of XXXX XXXX. I am a XXXX and XXXX of XXXX, and Citibank has failed to appropriately block the adverse account in my credit report that is a result of the XXXX circumstances. FCRA Section 605C specifically mandates that credit reporting agencies and data furnishers must block adverse accounts that were a result of XXXX within 4 business days of being notified. Citibank continues to report the account, even though I have submitted the necessary documentation to complete my request, including the victim determination document, adverse account information, and proof of identity. According to tracking, Citibank received the most recent mailing on XX/XX/2024, which was sent via certified mail. It is XX/XX/2024, which is well beyond the four-business-day period during which Citibank is required to remove the account from my credit report. To comply with FCRA requirements, the bank have established procedures for their credit bureau department to submit expedited requests.
Citibank is negligently neglecting to take immediate action and block the account that was a result of XXXX XXXX, despite my exhaustive efforts to date. My financial well-being is being adversely affected, and the trauma I have already experienced has been heightened by the failure of Citibank to act. I have been working tirelessly to reclaim my life, including my financial well-being, since I was able to escape my dreadful circumstances, but Citibank is preventing my full recovery.
I am currently in the process of trying to relocate to a new apartment, but I am unable to do so as a result of Citibank 's failure to comply with Section 605C of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which prohibits the furnishing of the adverse account ( s ) of XXXX of XXXX to any " consumer reporting agency '' as defined in section 603 ( f ). I have already received multiple apartment application declines due to the reporting of the adverse accounts. My life is at risk since I am confined to the same area and living circumstances. My life has already been threatened, and Citibank 's failure to comply with FCRA regulations could result in my death. I am trying to maintain calm and composure to address situations like the one I am currently in, but as a woman, I am terrified. Citibank is causing great damage to my XXXX XXXX amongst other things.
Additionally, I have informed the bank of my intention to establish a repayment plan that is within my financial capacity. I will engage in this conversation directly with the bank ; however, in the interim, I am requesting assistance from all Federal agencies to hold Citibank accountable for their negligence.
I will attach proof of identity, the adverse account information and victim determination letter to this complaint for record-keeping. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | CA | 91601 | null | Consent provided | Web | 11/18/24 | Closed with monetary relief | Yes | null | 10,835,069 |
12/04/24 | 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 first notified vie email from Barclays Bank that they were changing my email address per my request in XX/XX/XXXX. I called the number in the email they provided and told them I did not make that change. I asked how someone could not only make those changes, but could actually open an online account with Barclays in my name, which I did not have prior to this. The customer service person told me that the thief had my SSN, so he could establish the account and make the changes. He had my Full name, date of birth, address, email address and SSN. This was the first of at least a dozen emails and calls from Barclays security I received regarding this person trying to change all my contact information ; email, snail mail address, phone number, etc. Each time they either contacted me via email or voice mail, and I immediately contacted them and told them this was all done by an identity thief. Each and every time, I told them that The contact information I was providing them was the ONLY name, address, email address, phone number, etc. that was to be allowed on my account. They cancelled my card at least three times, and reissued new cards. Each time I would correct the information, they would send an email to the ID thief and let him know that the information he provided was being changed, so he would then call them and tell them that HE was the ID theft victim, and change it back. This went one for 6 weeks. I talked to three different XXXX XXXX agents at Barclays. They all said they would clear it up. I even sent an entire packet of information with the police report, copies of all my ID, bill with my address, bank statement with my name and address, EVERYTHING to one of the XXXX agents named XXXX. TheY all kept saying that they could clearly see what. Had happened and could clear it up. When I got emails regarding contact information change twice in one day after correcting it the first time, I called and demanded that they closed my account permanently. I was told that I could not do that on that day because I had already had one activity that day and would have to call back the next day to close my account. SERIOUSLY???? I called the next day and permanently closed my accountor so I thought. They apparently sent the thief an email notifying him that the account was closed and he immediately called them and reopened it. They added him as an authorized user and sent him a new credit card in his name and different number than my card. THIS HAPPENED TWICE! Before I could finally convince the third XXXX XXXX person that I was the victim and demanded again to permanently close my account, he had used the card in XXXX, Alabama. He had the card sent to an address in XXXX. Barclays investigated the charges XXXX different times and says I am responsible for the charges because the card was present. The card with my name and account number was not used, but the card with XXXX name of XXXX XXXX ( name added to my account. I do not know this person ) and the new account number that Barclays sent to him at an address he provided in XXXX, Alabama. so yes, a card was present, but it was the card that Barclays provided to the ID thief. I have lived in Washington State all my life. I dont move around a lot, in fact lived at the same address for 32 years, only recently retiring and moving in XXXX. I have all the emails and screen shots of the voicemails left by Barclays Security, as well as the police report and the multiple letters I sent to Barclays investigators as well as XXXX, XXXX and XXXX. None of the credit bureaus would remove the multiple addresses this person was doing, as they said they came form Barclays and Barclays verified that they were correct. The thief was also able to get into my XXXX account and put a fraud alert on. My account with his phone number as the one to call if anyone tried to open a new account. I was able to change that and lock my accounts early in XXXX when I discovered all this was appearing on my credit reports. It took me forever to get the information corrected ( incorrect addresses and phone numbers ). Barclays and XXXX were both victimizing me as well. Bottom line, Barclays is holding me accountable for almost {$600.00} in charges, fees and interest, as I am refusing to pay. Their collection department has been blowing up my phone, and I get emails from them offering help to pay off my account. I have been getting regular monthly statements from them as well. I cant access the via my online account to notify them that I will not be paying these charges ( I have already had this conversation with the XXXX XXXX XXXX agents many times ) because I did not set up that online account so I dont know the password. My next step is to file a civil lawsuit for compensatory damages. The hours I have spent trying to clear this up with not only Barclays, but the credit bureaus as well has been off the charts. I have cried myself to sleep many, many nights with worry that everything I have worked so hard for in able to retire would be stolen from me. I have spent so much time writing and sending letters to Barclays and XXXX, filling out police reports, etc., that it took me weeks to even be able to sit down to do this without crying and stirring up my anger once again. I have a close friend who is a Fraud Detective with XXXX ( not my jurisdiction ) and she has reviewed all my documentation and has been advising me as to my next steps. I have so much documentation that it took me XXXX or XXXX separate emails to get it all to her as the file was so huge. I would be happy to provide all of that to you via snail mail if you would like, or we can go over it on the phone. All of this is Barclays fault, and I am tired of talking to them about it. They just dont care. They want to only continue to victimize me. Please help me clear my name and get Barclays to admit this wouldnt have happened had they red flagged my account from the start and not allowed the thief to reopen my account as well as not added him to my account as an authorized user without my permission. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | WA | 982XX | Older American, Servicemember | Consent provided | Web | 12/04/24 | Closed with explanation | Yes | null | 11,021,707 |
12/01/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Number : XXXX DOB : XX/XX/XXXX XXXX Date : XX/XX/XXXX Pentagon Federal Credit Union XXXX XXXX ) XXXX XXXX XXXX XXXX, Nebraska XXXX XXXX : Dispute of Unauthorized Hard Inquiries on Credit Report.
Dear PENFED Customer Service, I am writing to formally dispute some hard inquiries that were placed on my credit report by PENFED on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ; This inquiries were related to a pre-approval application for a credit card and a car loan. Since I was only seeking pre approval, I did not expect or authorize any hard inquiries to be conducted on my credit report, as this type of action is typically not required for preliminary evaluations.These hard inquiries are currently affecting my credit score, which I believe is unfair given the circumstances and can affect me for future credit application. I request that PENFED immediately remove these hard inquiries from my credit report as they were neither authorized by me in the context of a simple pre-approval nor were they necessary.
Also I dont know if you are aware but in the pre- approval application page It clearly says that it will only be a soft pull and WILL NOT affect my score ( see document attached of the application page ) Please confirm in writing when this hard inquiry have been removed. If you require any additional information from me, feel free to contact me at cell phone number XXXX or email me at XXXX Thank you for your prompt attention to this matter. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | PENTAGON FEDERAL CREDIT UNION | FL | 33417 | null | Consent provided | Web | 12/01/24 | Closed with explanation | Yes | null | 10,977,721 |
11/07/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I recently reviewed my credit and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | VA | 23462 | null | Consent provided | Web | 11/07/24 | Closed with non-monetary relief | Yes | null | 10,701,420 |
12/18/24 | 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 | TransUnion has and is violating the FCRA by blocking me access to my credit report.
According to the Fair Credit Reporting Act ( FCRA ), you have the legal right to dispute any inaccurate information on your credit report, meaning you can contact the credit reporting agency and request an investigation if you believe there are errors in your credit file ; the agency must then investigate and correct any inaccuracies they find. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33321 | null | Consent provided | Web | 12/18/24 | Closed with non-monetary relief | Yes | null | 11,209,969 |
12/18/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT.
XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$2800.00} UNAUTHORIZED INQUIRIES 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. | NY | 10465 | null | Consent provided | Web | 12/18/24 | Closed with non-monetary relief | Yes | null | 11,209,995 |
11/21/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 32703 | null | Consent provided | Web | 11/21/24 | Closed with non-monetary relief | Yes | null | 10,883,096 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX Subject : Dispute of Inaccurate Charge-Off Reporting on Credit Report Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of a charge-off on my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ) and USC 1681. I have reviewed my credit report and found that the entry regarding the charge-off account [ XXXX XXXX ] with [ XXXX XXXX ] is incorrectly reported. Specifically, the account is listed as a charge-off when it is not accurate or up-to-date.
I am requesting a full investigation into this matter, and for the inaccurate information to be removed or corrected. Below are the details of the account in dispute : Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 As this information is inaccurate, I ask that you correct it as per the FCRA, which mandates that credit reporting agencies must ensure that the information they report is accurate and up-to-date. According to USC 1681i, you are required to investigate any dispute submitted by the consumer and complete the investigation within 30 days of receiving this dispute.
In addition, please provide me with documentation of your findings upon completion of the investigation, as outlined in the FCRA guidelines.
Please note that if this dispute is not resolved in my favor or if it is not corrected within the required time frame, I will seek further legal action to ensure my rights are upheld, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice.
Enclosed are copies of the relevant documents supporting my claim, including any payment history, letters, or other evidence demonstrating the inaccuracy of the charge-off.
Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue.
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. | IL | 616XX | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,855,852 |
11/21/24 | 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 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. | IN | 46260 | null | Consent provided | Web | 11/21/24 | Closed with non-monetary relief | Yes | null | 10,879,617 |
11/21/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I checked my XXXX, Transunion and XXXX credit reports and immediately identified 2 XXXX XXXX credit card accounts that didnt belong to me. These accounts are closed on my credit reports but nonetheless these closed accounts are the result of identity theft and are inaccurate. I filed a police report with XXXX police department ( see attached ) and I filed an identity theft report with the FTC ( see attached ) all information is listed on attached documents.
15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 95825 | null | Consent provided | Web | 11/21/24 | Closed with non-monetary relief | Yes | null | 10,850,212 |
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77477 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,864,129 |
11/19/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 92324 | null | Consent provided | Web | 11/19/24 | Closed with non-monetary relief | Yes | null | 10,838,585 |
11/19/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60411 | null | Consent provided | Web | 11/19/24 | Closed with non-monetary relief | Yes | null | 10,846,992 |
11/19/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it.
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 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 | 70127 | null | Consent provided | Web | 11/19/24 | Closed with non-monetary relief | Yes | null | 10,847,250 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Under 15 USC 1681i ( a ) ( 1 ) ( A ) 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX 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. | NY | 10453 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,876,575 |
11/19/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Recently, I did an investigation on my credit report and found several items on there to be inaccurate.
Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.
15 U.S. Code 1691i ( 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 investigation; 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. | FL | 33130 | null | Consent provided | Web | 11/19/24 | Closed with non-monetary relief | Yes | null | 10,848,195 |
11/02/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | I am writing to formally request the immediate removal of all outdated addresses from my consumer report, except my current address as stated on my XXXX XXXX XXXX Identification Card, pursuant to my rights under federal law. This request is made in strict accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates the accuracy, relevance, and confidentiality of information reported by consumer reporting agencies.
Grounds for My Request, As per the FCRA, consumer reporting agencies are required to maintain information that is accurate, complete, and relevant. Reporting outdated addresses that I neither use nor receive mail at, nor list on applications, violates these provisions as these addresses are no longer accurate or relevant. These addresses are both misleading and unnecessary, potentially causing confusion or inaccuracy in my consumer report.
Furthermore, I exclusively use my current address, as provided on my valid XXXX XXXX XXXXXXXXissued ID, for all official correspondence and applications. I do not reside, receive mail, or conduct transactions from any other addresses. Therefore, the inclusion of these non-current addresses on my consumer report is both inaccurate and unnecessary. By retaining outdated addresses, you are failing to meet the standards outlined by the FCRA for accurate reporting, specifically under Sections 1681i and 1681e ( b ).
Legal Basis for Removal, Under Section 1681i ( a ) ( 1 ) ( A ) of the FCRA, I am entitled to dispute the accuracy of any information included in my consumer report, and your agency must promptly investigate and delete any information that can not be verified as accurate and complete.
Furthermore : 1. FCRA Section 1681c - Restricts the inclusion of obsolete information on a consumer report.
2. FCRA Section 1681e ( b ) - Requires consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy.
Outdated addresses are not only obsolete but also introduce potential risk to my identity security, especially if they reflect previous residences or erroneous data. Removing these addresses aligns with your obligation to ensure the report reflects only relevant and accurate data. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 10027 | null | Consent provided | Web | 11/02/24 | Closed with non-monetary relief | Yes | null | 10,663,367 |
12/06/24 | Credit card | General-purpose credit card or charge card | Fees or interest | Charged too much interest | I have had this credit card since 2018 ( previously Sears and XXXX! ) for many years until Sears mastercard took over. I called a number of times as to why my monthly payments kept going up. I was informed that they 'allowed " me to go over my credit limit then tacked on a HIGHER rate. I asked why did your company do this? Well, to my SURPRISE my monthly payment ( XXXX ) went up quite a bit and the interest rate I am charged is 33 % WOW! I never heard of any interest rate this HIGH which is a RIP-OFF. One of the Worst company 's I ever dealt with after all these years as a senior citizen. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | MA | 01109 | Older American | Consent provided | Web | 12/17/24 | Closed with explanation | Yes | null | 11,136,737 |
11/19/24 | 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 XXXX 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. | TX | 75204 | null | Consent provided | Web | 11/19/24 | Closed with non-monetary relief | Yes | null | 10,878,277 |
11/29/24 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Trouble with how payments are being handled | I am a teacher and working towards XXXX XXXX XXXX XXXX ( XXXX ). I was in an XXXX XXXX XXXX ( XXXX ) plan for almost ten years. I consolidated my loans in XX/XX/XXXX to take advantage of the one-time account adjustment and when I consolidated I selected the lowest payment plan which was SAVE. Because of litigation I was automatically placed in a XXXX level repayment plan which I never selected and which isnt XXXX so it wont count towards XXXX. I was initially told I am not not eligible for administrative forbearance because I was never in XXXX XXXX, but that is because of the timing of my application and the only option is for me to keep calling back to extend the forbearance. I also cant enter an XXXX plan even if I want to because there is a processing pause through XX/XX/XXXX that will maybe even get extended.
On XX/XX/XXXX a Mohela supervisor extended my forbearance for one year through XX/XX/XXXX so I did not have to call back each month. This helped me avoid making payments on a plan that would not count towards XXXX. I have a recording of this conversation. She also helped me submit a paper application for a new XXXX plan, but said she could not guarantee when this would be processed due to the pause, but in the meanwhile I would be in forbearance so I wouldn't have to worry. I uploaded the paper version of the XXXX application that day.
Because of my IDR application, I received a letter from Mohela on XX/XX/XXXX stating that " We recently received your income-driven repayment ( XXXX ) application, but since a federal court issued an injunction preventing the Department of Education XXXX XXXX ) from operating the Saving on a Valuable Education ( XXXX ) Plan and other XXXX plans, XXXX application processing is taking longer than normal.
Due to these delays your XXXX application is in a pending status and MOHELA is putting your account into a forbearance for up to 60 days. '' So on two separate dates, XX/XX/XXXX and XX/XX/XXXX, I was told my account was in forbearance. Today, on XX/XX/XXXX my account is saying PAST DUE and I am worried this will wrongfully affect my credit. Clearly the forbearance was not properly put on my account either time. I called and spoke to an agent who then insisted I had to be transferred. When I get transferred I am just put on hold for hours on end and a supervisor never calls me back, so my account is still wrongfully showing past due. This is not my first time calling about this issue. Mohela is operating a deflection scheme to avoid resolving the issue and updating my account status. | Company believes it acted appropriately as authorized by contract or law | MOHELA | NJ | 074XX | null | Consent provided | Web | 11/29/24 | Closed with explanation | Yes | null | 10,967,879 |
11/19/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Dear Sir/Madam, I am writing to demand the immediate removal of the XXXX XXXX XXXX account XXXX from XXXX, XXXX, and TransUnion from my credit report due to unlawful and inaccurate reporting of a charge-off every month for the past two years. This continuous misreporting is a direct violation of multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) and 1681c, as well as established legal precedents and FTC guidelines.
1. Violation of 15 U.S.C. 1681e ( b ) Failure to Ensure Maximum Possible Accuracy Under 15 U.S.C. 1681e ( b ), credit reporting agencies, such as XXXX, are required to maintain reasonable procedures to ensure maximum possible accuracy in the information they report. The continuous reporting of a charge-off on a monthly basis for an account that should no longer be reported as active is a clear violation of this provision. This is an example of inaccurate reporting, as the account in question has been improperly reported month after month since XX/XX/XXXX2022, when it should no longer be considered an open or ongoing charge-off.
This failure to update or correct this information is damaging to my credit file and violates your duty to ensure accuracy as mandated by federal law.
2. Violation of 15 U.S.C. 1681c Reporting Period for Charge-offs According to 15 U.S.C. 1681c, negative information, such as charge-offs, may only remain on a consumers credit report for seven years from the date of the original delinquency. If the charge-off has been reported for more than seven years, it must be immediately removed. I demand that you verify whether this charge-off has exceeded the seven-year limit, and if so, it must be removed immediately. If it has not exceeded seven years but is still incorrectly reported month after month, the continuing reports still violate the accuracy requirements set forth in the FCRA.
3. Legal Precedent : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX. XXXX ) In XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( XXXX Cir. XXXX ), the XXXX XXXX XXXX made clear that credit reporting agencies must ensure that charge-offs and other negative information are reported accurately and in accordance with the FCRA. The court ruled that charge-offs should not be reported as ongoing liabilities beyond the statutory period, and any attempt to report such accounts as active after theyve been marked as a charge-off constitutes a violation of the FCRA.
XXXX failure to remove or correct the reporting of this charge-off is a violation of this case law, and I demand that you take immediate action to rectify this error.
*4. FTC Report XXXX XXXX XXXX, at 14 Duty to Ensure Accurate Reporting The *FTC Report, XXXX XXXX XXXX, at 14, further reinforces the obligation of credit reporting agencies to ensure that the information they report is accurate and current. It explicitly states that outdated or inaccurate information should be removed from credit reports, and that agencies must correct errors promptly when alerted by consumers. The continued reporting of this charge-off as an active entry is not only inaccurate but also non-compliant with this guidance from the FTC. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | OH | 45840 | null | Consent provided | Web | 11/19/24 | Closed with non-monetary relief | Yes | null | 10,877,740 |
11/02/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain 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 accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | NY | 11710 | null | Consent provided | Web | 11/02/24 | Closed with non-monetary relief | Yes | null | 10,664,477 |
11/02/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I recently reviewed a copy of my credit report and notice i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30331 | null | Consent provided | Web | 11/02/24 | Closed with non-monetary relief | Yes | null | 10,663,213 |
11/06/24 | 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 XXXX 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. | AL | 352XX | null | Consent provided | Web | 11/06/24 | Closed with non-monetary relief | Yes | null | 10,714,260 |
11/19/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | This correspondence pertains to a charged-off credit card account that has been reported to the credit bureaus. A Form 1099-C has been issued for this account, indicating that the debt has been canceled and reported as income to the IRS, as per the requirements under 26 U.S. Code 6050P. The issuance of this form establishes that the creditor has discharged the debt, effectively concluding the contractual obligation.
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, information furnished to consumer reporting agencies must be accurate and complete. The continued reporting of a " charge-off '' designation is inconsistent with the discharge of the debt, as indicated by the 1099-C. Maintaining the charge-off notation misrepresents the nature of the account, potentially leading to inaccuracies in the consumer 's credit file.
Furthermore, the issuance of a 1099-C is widely interpreted as evidence of the creditor 's intent to cancel the debt. When a debt is forgiven and reported as income, the account is no longer collectible. Therefore, the charge-off designation, which implies the debt remains unpaid and collectible, conflicts with the creditor 's reporting to the IRS. The conflicting information may constitute a violation of 15 U.S. Code 1692e, prohibiting false or misleading representations related to the character, amount, or legal status of a debt.
To ensure compliance with federal laws and protect the integrity of consumer credit reporting, it is requested that the charge-off designation associated with this account be removed from the credit report. Accurate reporting aligns with both the creditor 's obligations under the FCRA and the confirmation of the debts discharge through the 1099-C issuance.
Thank you for your attention to this matter. It is expected that an investigation will be conducted and appropriate action will be taken to correct this discrepancy. Please provide confirmation of the resolution and updates to the credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TN | 37620 | null | Consent provided | Web | 11/19/24 | Closed with non-monetary relief | Yes | null | 10,837,205 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Account name HYUNDAI CAPITAL AMERICA Account number XXXX Alleged Creditor HYUNDAI CAPITAL AMERICA. It has come to my attention that I have been making payments in error pursuant to 12 CFR 1026.13. You have been requiring Federal Reserve Notes as payment, when in fact the original application with financial information ( Utilizing my social security exemption account ) served as an asset, which also satisfies the alleged monthly obligation. I attempted to establish a new course of dealing utilizing the notice sent to me every month. HYUNDAI CAPITAL AMERICA replied and demanded payment in a specific type of coin or currency. Your demand for a specific type of currency is unlawful and unenforceable. This Notice is to confirm that your claim is disputed under 15 USC 1692 et seq. Please verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration or material alterations, and that the original lender provided value. Further, that the alleged account was transferred in good faith and by the consent of all parties involved. THE TRANSACTION In a credit card securitization transaction only the receivables are sold, not the accounts that generate the receivables. The financial institution retains legal ownership of the credit card accounts and can continue to change the terms on the accounts. Accounts corresponding to securitized loans are typically referred to as the designated accounts ( or sometimes trust accounts ). The initial outstanding balances on the designated accounts are sold to the trust as are the rights to any new charges on the designated accounts. Subsequently, as cardholder purchase activity generates more receivables on the designated accounts, these new receivables are purchased by the trust from the originating institution/seller/transferor. The trust uses the monthly principal payments received from the cardholders to acquire these new charges or receivables. When the securitization is initially set up, the originating institution/seller adds sufficient receivables to support the principal balance of the certificates plus an additional amount ( seller 's interest ) that serves to absorb fluctuations in the outstanding balance of the receivables. The originating institution/seller will make subsequent additions to the trust in order to keep the seller 's interest at the required level. ( Emphasis added ) After reasonable inquiry I have concluded that HYUNDAI CAPITAL AMERICA. is in breach of the alleged agreement. The following facts support my position in this matter : 1. HYUNDAI CAPITAL AMERICA failed to disclose to the alleged consumer ( hereinafter consumer ) that HYUNDAI CAPITAL AMERICA used consumers note, capital, funds, money or money equivalent to fund a note, check or similar instrument that was used to fund the charges on the alleged account, whereby HYUNDAI CAPITAL AMERICA did not perform under the agreement and risked nothing of value. 2. HYUNDAI CAPITAL AMERICA. has not used any of their own capital, funds, money or money equivalents to pay for any charges on the alleged account. 3. HYUNDAI CAPITAL AMERICA received something-for-nothing by using the consumers note ( s ) to fund charges to the credit card/loan account while retaining payments from consumer. 4. So, a breach occurred due to the fact that HYUNDAI CAPITAL AMERICA failed to disclose the above information in their credit card/loan agreement prior to soliciting applicant to become bound by it. 5. Due to the breach, and lack of disclosure, HYUNDAI CAPITAL AMERICA has, directly or indirectly, used false, deceptive, or misleading representations or means, in violation of Section 807 of the FDCPA, 15 U.S.C. 1692e, which constitutes fraud. 6. Due to the securitization of the initial outstanding balances of the alleged account, HYUNDAI CAPITAL AMERICA is not a holder in due course, and therefore can not have incurred a loss or make a valid claim. 7. When accounts are >30 days or more overdue, HYUNDAI CAPITAL AMERICA receives a payoff of the amount due from insurance, whose premiums were unknowingly funded by the so-called borrower. I want to receive absolute assurance from HYUNDAI CAPITAL AMERICA that they did not breach the agreement. In order to settle this matter, please sign or have an authorized officer sign the enclosed affidavit, confirming that you have read the agreement, that you understand GAAP, the bookkeeping entries, accounts receivables and deposits, the banking laws, and the Federal Reserve banks policies and procedures. In addition, please furnish me with the following information : 1. A complete statement of Damages, including each and every loss that HYUNDAI CAPITAL AMERICA incurred under the alleged agreement. 2. A copy of any insurance claim having been made by HYUNDAI CAPITAL AMERICA regarding this account. 3. A front and back, true and correct copy of the alleged signed agreement bearing my signature ( full & complete disclosure ), and a detailed copy of the alleged account. 4. A true and correct copy of the transfer instrument that was used to transfer the initial outstanding balances from this alleged account into the Special Purpose Entity ( SPE ) trust, as described on the FDIC website. 5. The name, address and telephone number of HYUNDAI CAPITAL AMERICA CPA auditor. 6. Verification if this debt has been assigned or sold to a debt collector. 7. If this debt has been assigned to a debt collector, please provide the commission amount if collection efforts are successful. 8. If this debt has been sold to a debt collector, please provide the price for which it was sold. It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA. You are required by federal law to furnish the credit bureaus with the required disclosure by placing a notice of dispute on my account within ( 30 ) days after receiving this dispute letter. I am maintaining a careful record of dates as well as time-stamped copies of my credit reports, which will show that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) [ 15 USC 1681s-2 ] if you do not place the disclosure within the required ( 30 ) day period. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws and directly violate the Fair Credit Reporting Act. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or any company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act and Defamation of Character, Bank Fraud, Aggravated Identity Theft and Conspiracy. I am sure your legal staff will agree that non-compliance with this request could violate Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 USC 1681s-2 ], putting your company in serious legal trouble with the FTC and other state or federal agencies. All communications and omissions will be made part of and incorporated into any litigation arising from this matter. Failure to verify and validate the debt within thirty ( 30 ) days by signing the enclosed affidavit confirms that no further action will be taken and an absolute waiver of any right to collect the alleged debt. Furthermore, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. You must contact me in writing and request an extension in the event that you need more than thirty ( 30 ) days to verify and validate the debt. Failure to do so confirms that the time limit is reasonable. This notice also constitutes a Notice to Cease Telephonic Communications. Non-compliance with this request will violate the Telephone Consumer Protection Act 47 USC 227. If you can not verify and validate this debt by the above listed means, then what right do you have, under the Fair Debt Collection Practices Act 15 USC 1692, to even send me a letter? Are you committing mail fraud? NOTICE THIS IS NOT A REQUEST FOR CONFIRMATION THAT YOU HAVE A COPY OF AN AGREEMENT OR COPIES OF STATEMENTS. THIS IS A DEMAND FOR PROOF THAT YOU HAVE THE REQUISITE KNOWLEDGE OF THE FACTS, AND THAT THE ALLEGED CREDITOR PROVIDED ADEQUATE CONSIDERATION AND INCURRED A FINANCIAL LOSS UNDER THE FULL & COMPLETE ORIGINAL AGREEMENT. Notice to the Principal is Notice to the Agent, and Notice to the Agent is Notice to the Principal. Claim for which relief can be granted Remove all adverse information from my consumer credit report. Refund by check all money received from a consumer. Return unlawfully repossessed property ( or equivalent ). Thank you very much. Sincerely, XXXX XXXX Please be aware that dependent upon your response. I will be taking steps to initiate proceedings in federal court, I believe this is necessary for a fair resolution, and I am committed to pursuing this matter to its fullest extent. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | HYUNDAI CAPITAL AMERICA | CA | 91606 | null | Consent provided | Web | 11/20/24 | Closed with explanation | Yes | null | 10,861,571 |
12/16/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | XXXX has sold this fraudulent collection account to Diversified XXXX. According to XXXX, Diversified Adjustments has submitted fraud reports to all three credit bureau ( XXXX, XXXX, XXXX ). Recent activities XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; etc for {$170.00}. Two previous cases were reported on XXXX. One of which XXXX used XXXX XXXX to process. XXXX and Credit Bureaus failed the correct my credit reports, this blocking reoccurring posting of fraudulent charges which has resulted in XXXX points for two months causing my credit score to drop to poor. I am requesting financial recovery from XXXX XXXX diversified XXXX and all three credit bureaus. | Company believes it acted appropriately as authorized by contract or law | Diversified Adjustment Service, Inc. | AL | 354XX | null | Consent provided | Web | 12/16/24 | Closed with explanation | Yes | null | 11,162,913 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | 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. Actually I am not sure that the accounts are even mine 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 TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, 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 | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 931XX | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,875,545 |
11/19/24 | 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 | Im unable to receive a valid credit score. After telling them to remove derogatory information on my credit report. According to 15 USC 1692 C ( c ) when a debtor refuses to pay an alleged or valid debt. The creditor must cease and desist all attempts to collect a debt. Including but not limited to credit reporting. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MI | 48227 | null | Consent provided | Web | 11/19/24 | Closed with explanation | Yes | null | 10,847,219 |
11/13/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Under 15 USC 1681i ( a ) ( 1 ) ( A ) 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.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 | 90802 | null | Consent provided | Web | 11/13/24 | Closed with non-monetary relief | Yes | null | 10,783,717 |
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