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11/08/24 | 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 a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | SC | 29229 | null | Consent provided | Web | 11/08/24 | Closed with non-monetary relief | Yes | null | 10,722,092 |
11/08/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These collection agencies have engaged in false and misleading practices violation fdcpa 807. Additionally they have provided forms violating fdcpa 812. They also failed to provide me with the required written notice in five days in advance.
Comment Pursuant to 18 USC 8, I owe no debt. These company 's are violating my consumer right to privacy pursue 15 USC 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 4.
If you verified these accounts as accurate, I need to see your method of verification on how you are reporting a collection with a past due balance. If you can not provide this, please delete immediately. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | KY | 40601 | null | Consent provided | Web | 11/08/24 | Closed with non-monetary relief | Yes | null | 10,735,578 |
12/06/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Experian removed the fraudulent account and failed to return the XXXX points they took off my credit report for the fraudulent account. Besides that they are still displaying inaccurate information about me I have no aka name. They are also displaying addresses I have nothing to do with. Its really getting tiring, They just keep repeating the same thing and avoiding discussion monetary compensation for the violation they have consistently committed to | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MD | 21225 | null | Consent provided | Web | 12/06/24 | Closed with explanation | Yes | null | 11,058,152 |
12/07/24 | Credit card | General-purpose credit card or charge card | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | Already made complaint and will attach documentation for reference. Recd an email to see if i need help paying the bill that was fraud and was told it was being removed from my credit and inquiry removed etc. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | NY | 119XX | null | Consent provided | Web | 12/07/24 | Closed with explanation | Yes | null | 11,066,397 |
12/06/24 | 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 | Since XXXX of 2024 I haven't been able to view my credit report online this problem has been going on for 9 months and I keep contacting Transunion and no one knows what's going on. I want to be able to view my credit report online at my convenience and for some reason Transunion is not allowing me to view my credit report. I tried pulling my transunion report through annual credit report. com and I also cant see my transunion credit report on their website. Please fix this issue asap as I need to view my profile online! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MD | 21212 | Servicemember | Consent provided | Web | 12/06/24 | Closed with explanation | Yes | null | 11,058,622 |
12/02/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | This account was paid in full XX/XX/XXXX, through legal communication. My car title was returned to me in XX/XX/XXXX after several request made in XX/XX/XXXX. The account is showing on all 3 Bureau reports as needing attention a d has not updated since XX/XX/XXXX. It shows the last payment was made on XXXX, XXXX, XXXX. Which is incorrect. The balance shows XXXX which should be XXXX, paid in full. It also shows where this particular loan was opened in XX/XX/XXXX, which in fact this partial amount was added after the loan balance was paid. The amount being reported XXXX. XXXX was for lawyer and court fees, hence the incorrect loan amount, status and purpose. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Stellantis Financial Services US Corp. | AL | 362XX | Servicemember | Consent provided | Web | 12/02/24 | Closed with non-monetary relief | Yes | null | 10,991,962 |
11/29/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am writing to formally demand that you immediately cease and desist all unauthorized activity related to my personal and financial information. This letter serves as a formal notice that your actions constitute identity theft, securities fraud, and fraudulent conveyance, and have resulted in the unconstitutional taking of my private property without just compensation.
Account Extinguishment and Restitution I demand the immediate and complete extinguishment of all accounts, both public and private, that have been fraudulently created or accessed using my personal information. All proceeds derived from these accounts must be returned to me, the rightful owner and taxpayer.
Accounting Standards and Legal Violations The fraudulent creation and use of these accounts violate multiple accounting standards, including those outlined by the Financial Accounting Standards Board ( FASB ). Specifically, the unauthorized use of my identity to create and access these accounts constitutes identity theft, a federal crime punishable under 18 U.S.C. 1028. Furthermore, the use of these accounts to engage in securities transactions without my consent constitutes securities fraud, which is a violation of federal securities laws.
The fraudulent creation and use of these accounts also constitute a fraudulent conveyance, as they were created to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers.
Unconstitutional Taking and Involuntary Servitude The unauthorized use of my personal information to create and access these accounts has resulted in the unconstitutional taking of my private property without just compensation. This violates the Fifth Amendment to the United States Constitution. Additionally, the forced labor and financial burdens imposed on me as a result of these fraudulent accounts constitute involuntary servitude, a violation of the Thirteenth Amendment to the United States Constitution.
Color of Law and Deprivation of Rights The actions of your organization and its agents have been carried out under the color of law, which is the appearance or use of lawful power to mask an illegal act. By using government authority to access and control my financial information without my consent, your organization has deprived me of my inalienable rights, in violation of 18 U.S.C.
242.
Provisions and penalties for negligent violations are provided under section 617. [ 15 U.S.C. 1681o ]. Any person who demonstrates negligence by failing to comply with any requirement established under this law concerning a consumer is responsible to the consumer for an amount comprising : 1. Any actual damages incurred by the consumer due to the failure ; and 2. In the event of a successful legal action to enforce any liability, the costs associated with the action, as well as reasonable attorney 's fees determined by the court.
False Pretenses The law deters fraudulent activities and cases done knowingly under false pretenses. The FCRA penalizes anyone who obtains consumer information from the CRA under false pretenses. As specified under the United States Code, the conduct is punishable by a fine, imprisonment for up to 2 years, or both.
Unauthorized Disclosure Under section 620. [ 15 U.S.C. 1681r ] of the FCRA, any officer or employee of the consumer reporting agency who knowingly or willfully provides consumers information from the agencys files to any person not authorized to access the information shall be fined or imprisoned for not more than 2 years or both.
1. Furnishing and Reporting Old Information Credit reporting agencies and the creditors who supply information to them must provide and keep your credit information current. When your credit circumstances have changed, and the information in your credit report isn't updated to reflect these changes, this failure might be an FCRA violation.
Some examples of this kind of FCRA violation include : failing to report that a debt was discharged in bankruptcy ( XXXX XXXX XXXX ) reporting old debts as new or re-aged ( XXXX XXXX XXXX ) reporting an account as active when it was voluntarily closed by a consumer and reporting certain information ( XXXX XXXX XXXX ) that's more than seven years old ( like lawsuits ) or ten years old ( XXXX XXXX bankruptcies ).
2. Furnishing and Reporting Inaccurate Information Your creditor must not supply information to a credit reporting agency that it knows ( or should know ) is inaccurate. That kind of information includes : reporting a debt as charged-off when you settled it or paid it in full misstating the balance due reporting late payments when you paid timely listing you as a debtor on an account when you were only the authorized user or supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ( XXXX XXXX XXXXXXXX ) ).
Credit reporting agencies must not include inaccurate information in your credit reports.
3. Mixed Files Credit reporting agencies can also run afoul of their obligations to report accurate credit information about you. In many instances, this violation happens when a credit bureau mixes your file with someone else 's file with similar background information.
Some common cases of mixed files include : morphing or duplicating negative credit information with a stranger who shares a similar Social Security number failing to distinguish the Jr. and Sr. in similar surnames mixing the information of persons with the same last name and similar first names, and combining or mixing credit files of persons with similar names living in the same city or zip code.
4. Failing to Follow Debt Dispute Procedures When you submit a written dispute about the accuracy of an item on your report ( XXXX XXXX XXXX ), the credit bureaus and your creditors must take certain actions in response. Their duties include conducting a reasonable investigation of your dispute, correcting any inaccurate information, or even removing the disputed debt from your credit reports.
A credit reporting agency or creditor can fall short of its duties to follow proper dispute procedures under the Fair Credit Reporting Act in a number of other ways.
Debt Dispute Violations by Credit Reporting Agencies Some common FCRA violations by credit reporting agencies include failing to : notify a creditor that you dispute the debt that it has reported conduct a reasonable investigation of your dispute or correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute.
Debt Dispute Violations by Creditors and Other Information Suppliers Some common creditor and furnisher FCRA violations ( XXXX XXXX XXXX ) include failing to : notify every credit reporting agency involved that you dispute the debt submit corrected information to the credit reporting agency subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect conduct an internal investigation of your dispute within 30 days ( or 45 days in some cases ) provide you with a reasonable procedure, including an address, to submit a written dispute or report of identity theft or inform you of the results of its investigation within five business days after it completes the investigation.
5. Privacy Violations Credit reporting agencies can't release your credit reports to just anybody. They can only give them to authorized persons. The agencies may disclose your report only to persons or entities that have a valid need, such as : creditors landlords insurance providers utility companies, and employers ( only if you previously consented ).
6. Requesting a Credit Report for an Impermissible Purpose Even though your employer, creditor, or landlord might be allowed to pull your credit report, they must still have a permissible purpose ( XXXX XXXX XXXX ) to do so. If someone pulls your credit report for an impermissible purpose, then it might be an FCRA violation.
Some examples of impermissible purposes include : someone pulls your credit report to determine if you're collectible before filing a lawsuit against you on an involuntary debt or other non-credit matter ( for example, in determining whether to file a personal injury lawsuit ) your employer pulls your credit report without your permission or a creditor on a debt you discharged in bankruptcy pulls your credit report to check out your current financial activity.
7. Withholding Notices You're entitled to notices concerning the reporting, handling, and use of your credit information. Notice violations under the FCRA might oc cur when : a creditor fails to notify you when it supplies negative credit information to a credit reporting agency a user of credit information ( such as a prospective employer or lender ) fails to notify you of a negative decision ( XXXX XXXX XXXX ) based on your credit report a creditor fails to provide you with your credit score if it was used as part of any credit decision a creditor fails to notify you of your right to dispute inaccurate credit information a creditor fails to notify you of your right to obtain a free credit report or a creditor or " user of information '' refuses to identify the source of the credit information it obtained about you. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | DIGITAL FEDERAL CREDIT UNION | NC | 28216 | null | Consent provided | Web | 11/29/24 | Closed with explanation | Yes | null | 10,971,876 |
11/01/24 | 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 noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly. | null | EQUIFAX, INC. | MA | 01013 | null | Consent provided | Web | 11/01/24 | Closed with non-monetary relief | Yes | null | 10,658,979 |
12/13/24 | Credit reporting or other personal consumer reports | Credit reporting | Credit monitoring or identity theft protection services | Problem canceling credit monitoring or identify theft protection service | I called XXXX credit card in XX/XX/XXXX to inquire regarding an Experian charge Id not authorized. That is when I was advised that Experian had charged for last year as well.
In XXXX, I canceled my husbands paid account on the same day I canceled my free account. My husband was present to confirm the cancellation. It is of note to me that the very day I/we canceled in XXXX is the day I was charged.
In mid-late XXXX or earlier in XXXX of this year - Experian sent an email regarding the receipt of my dispute but stated that the only canceled account was the free account and asked for more documentation regarding the charge I was disputing via email. I emailed documentation of the current charge, but Experian never responded. I finally spoke with a live person at Experian. I was told there was no record of my phone call cancellation in XXXX, and the Experian rep acknowledged that I was charged last year and this year for a " service '' I did not want. I tried to cancel online last year but could not do so a phone call was required, which I made. There is no way to cancel online. There is no way to cancel on the phone, either.
The Experian agent I spoke with this month ( XX/XX/XXXX ) continued to attempt to offer reasons why the account was not closed.
Finally, I was given a fax number to submit my written complaint. Initially, the agent stated it could take 24 48 hours to resolve but needed to confirm that with his team. I was then told it would take a while for the issue to be resolved because it had to go through the mail room. I reminded the Experian agent that I was not mailing the requested information I was going to fax the requested information today immediately after the call with him. ) The agent checked, again and reported being told that the fax would still have to go through the mail room and was unable to offer a ballpark date or time frame when these corrections would occur, although he didnt think it would be a problem. I asked the agent for a number at the corporate office. The number he ( XXXX ) was able to give me is associated with an automated Experian system I was unable to speak with a live person. I have now received a " finding '' from Experian regarding a different credit card - which has NOTHING to do with their ongoing failure/refusal to correct the EXPERIAN ERROR OF ENGAGING IN UNAUTHORIZED BILLING in XXXX and XXXX FOR AN EXPERIAN " CREDIT MONITORING '' ACCOUNT THAT WAS CLOSED LAST YEAR. A series of attempts to cancel last year, finding this year the request of XXXX was NOT honored. Still, Experian continued to engage in ongoing billing despite not being authorized... Dealing with Experian has been a complete horror show, repeatedly trying to cancel - speaking with incorrectly " knowledgeable '' agents, asking for and receiving a " corporate '' phone number which turns out to be another unresponsive recording with no ability to speak with a live person- I fear the impact of their fraudulent billing and my multiple attempts to cancel will have a negative impact on my credit rating - and I don't know where else to turn for help that will result in Experian no long billing me for a service I do not and did not want. How/why are they able to get away with this? I want a refund of the XXXX and XXXX billing and a written guarantee that this specific issue I am having with Experian - that Experian has created -will not negatively affect my credit rating. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NC | 27215 | null | Consent provided | Web | 12/13/24 | Closed with explanation | Yes | null | 11,146,639 |
12/03/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I am writing in response to a collection notice I received from IC Systems, which I believe to be invalid. I respectfully request your assistance in addressing this matter.
I do not recognize this debt as valid for the following reasons : 1. I have not been provided sufficient documentation or proof of the validity of the debt.
2. To the best of my knowledge, I do not owe the amount claimed.
3. There may be errors or inaccuracies associated with this alleged account.
I have requested verification from IC Systems under my rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ). To date, they have not provided any evidence that substantiates this claim, including a breakdown of the amount, proof of my agreement to the debt, or original creditor information. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | I.C. System, Inc. | TX | 751XX | null | Consent provided | Web | 12/03/24 | Closed with non-monetary relief | Yes | null | 10,989,871 |
11/16/24 | 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 | ON WEDNESDAY XX/XX/year> ; BELOW I RECEIVED THIS XXXX RESPONSE VIA EMAIL IN REGARDS TO A DISPUTE DATED XX/XX/year>.
( ( We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumer @ s file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' Therefore, you can dispute any inaccurate information directly with XXXX for free.
If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at XXXX XXXX
Connect with your credit day or night for FREE. View your Free XXXX Credit Report ) ) I CALLED XXXX TO AUTHORIZE MY DISPUTE. THEY HAVE NOT FOLLOWED THROUGH. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | RI | 02904 | null | Consent provided | Web | 11/16/24 | Closed with non-monetary relief | Yes | null | 10,807,000 |
11/22/24 | 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 follow up on my prior request made over two months ago for information and validation regarding inaccuracies on my account. To date, I have not received the requested documentation, yet the inaccurate information persists on my credit report. This failure to provide validation within the time frame required under the Fair Credit Reporting Act ( FCRA ) is a violation of federal law.
The specific issue relates to late payments being reported on this account. As you have failed to validate this information within the FCRA-mandated timeline, I am formally requesting one of the following actions : 1. Remove the account from my credit report entirely. 2. Remove the late payments from this account, as their continued reporting without validation is unlawful. Under FCRA 1681i ( a ), you are obligated to investigate disputes and either verify or correct inaccurate information within 30 days ( or 45 days in specific circumstances ). Your failure to comply with these requirements obligates you to remove the disputed information.
Please confirm the immediate correction or deletion of this account in writing. Failure to comply may result in further action, including formal complaints to regulatory agencies and legal remedies. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | TX | 75253 | null | Consent provided | Web | 11/22/24 | Closed with explanation | Yes | null | 10,895,459 |
11/21/24 | Credit card | General-purpose credit card or charge card | Problem when making payments | Problem during payment process | Hello, I have different balances on my Citi XXXX XXXX credit card ( different % XXXX, promo periods, loans, etc ).
I used to have : - BalTrnOffer 5 : 0.99 % expiring XX/XX/XXXX.
I waited until the next statement after XX/XX/XXXX to confirm " BalTrnOffer 5 '' no longer showed 0.99 %, but a high 24.24 %. I called to verify the correct payoff amount, then I paid {$15000.00} online on XX/XX/XXXX. This successfully paid off BalTrnOffer 5.
The phone rep explained that I had accrued a little bit of interest by waiting to make a payment until *after* the statement. He said ( paraphrased ), " Next time, you can pay *on the day* the promo rate expires. You don't have to wait for the statement.
That was great advice! The next balance to pay off was : - BalTrnOffer 7 : 0 % expiring XX/XX/XXXX Just to be extra safe, I called again on XX/XX/XXXX and/or XX/XX/XXXX. And again, the phone rep told me, " Yes, you can pay now because the promo period has ended -- and your payment will pay off this BalTrnOffer 7 balance. '' Perfect! I paid {$8500.00}. ( I believe I made the payment on the phone with the rep. ) But instead of paying down BalTrnOffer 7, my payment was assigned to : - Plan 4 : 60-month loan@ 8.99 % This messed up my entire pay-off plan because I was diligently monitoring and paying down my highest-interest balances first, wanting to leave my low-interest loan to be paid off at the end of its term. ( Plus, my loan was set for 60 months@ 8.99 % -- there was no need to pay this off early while BalTrnOffer 7 went up to 24.24 %! ) I talked to Citi multiple times ( at least half a dozen ) and each time was told they were investigating this matter to correct it.
I specifically asked them to listen to the phone call on XX/XX/XXXX where I was told that my payment would pay off BalTrnOffer 7.
On XX/XX/XXXX, I was told this recording had been listened to on XX/XX/XXXX.
On XX/XX/XXXX, a phone rep said my request was resolved and I would see my corrected balances soon. I was also assured that the interest that had been accruing due to the mis-assigning of my payment would be credited to me.
But all I have been receiving are generic letters from Citi explaining that payments go to balance in APR order from lowest to highest. ( I knew that -- that's why I was so careful to ensure my BalTrnOffer 7 was indeed high interest at the time of my payment. ) Sorry, this has been very frustrating. I believe I have a strong case because multiple Citi representatives repeatedly told me that my payment would pay off BalTrnOffer 7, specifically calls on : - XX/XX/XXXX - XX/XX/XXXX and - XX/XX/XXXX ( when I paid off XXXX XXXX ) Thank you very much for your help. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | CA | 92115 | null | Consent provided | Web | 11/21/24 | Closed with explanation | Yes | null | 10,885,414 |
12/17/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | XXXX XXXX XXXX XX/XX/year> {$1600.00} Sunrise Credit Services XX/XX/year> {$1200.00} XXXX XXXX {$210.00} I have not received any requested documents.
I requested to see my the signature that I put on a contract guaranteeing that I would pay this creditor on the debts above. I also did not received any info for chain of title to collect on this debt for each creditors listed above. Nor I did not get a detailed history of payments that I made on these accounts listed above. I also requested to know if there has been a insurance claim on these debts. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SUNRISE CREDIT SERVICES, INC | CA | 95116 | null | Consent provided | Web | 12/17/24 | Closed with explanation | Yes | null | 11,184,294 |
12/18/24 | Credit card | General-purpose credit card or charge card | Problem when making payments | You never received your bill or did not know a payment was due | On XX/XX/year>, a {$39.00} credit was applied to my account. However, Per Prosper, on XX/XX/year>, an unsolicited refund of {$39.00} was issued for this credit, and at the same time, a {$39.00} annual fee was charged to my account. I never received the refund Prosper states was issued. Also the refund was processed before the six-month period had passed from when the credit was issued, based on my billing cycle.
I did not receive statements for XXXX, XXXX, or XX/XX/year>, nor was I notified of the refund or the annual fee charge in XXXX. According to the last statement I have access to ( XX/XX/year> ), I had a credit balance, and I do not use this card for any additional transactions that would result in a balance.
The {$39.00} credit should have fully covered my balance, as per the cardholder agreement, meaning no minimum payment should have been due, and no late payment should have been reported.
The XX/XX/year> statement showed a XXXX balance, despite an attempt for autopay on the XXXX, which was returned same day per transaction history. The statement closed on the XXXX. Late fees were later charged to my account in XXXX and XX/XX/year>. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Prosper Marketplace, Inc. | OH | 442XX | null | Consent provided | Web | 12/18/24 | Closed with non-monetary relief | Yes | null | 11,197,309 |
12/17/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | according to the IRS ..cancelled debt ( charge off ) is gross or ordinary income. Income does not get reported on your consumer report. A charge off is an inaccurate account.
15 USC 1681e ( b ) is a part of the Fair Credit Reporting Act ( FCRA ). According to this section, a consumer reporting agency ( CRA ) must maintain reasonable procedures to ensure that the information in their reports is accurate and up-to-date. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | AUTOMOTIVE CREDIT CORPORATION | IL | 60638 | null | Consent provided | Web | 12/17/24 | Closed with explanation | Yes | null | 11,190,250 |
12/09/24 | 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 submitted three requests asking that my credit report reflect accurate information regarding late payments that are proctected by the CARES ACT during XXXX. The reportng agency and the furnisher did not correct of investigate dispute, an XXXX automated systems was use and dispute was not investigated.
This inaccurate reporting errors is hindering and causing a financial hardship. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | OR | 972XX | null | Consent provided | Web | 12/09/24 | Closed with explanation | Yes | null | 11,087,217 |
11/21/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MI | 48205 | null | Consent provided | Web | 11/21/24 | Closed with non-monetary relief | Yes | null | 10,863,749 |
12/09/24 | 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 | So I had just opened the card earlier this year or the ending of last year and havent used it so sometime in XXXX- XXXX I called to see what my limit was and they said I had a current balance of {$1200.00} and it was shocking because I have t used it I called to make a compliant and filing fraud I even spoke to the merchant where the card was used and they cant pull up a transaction because it was never used I have proof of that conversation but prosper keeps saying Im still at fault I havent used the card so I shouldnt be held responsible for using a card I didnt even use | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Prosper Marketplace, Inc. | RI | 02907 | null | Consent provided | Web | 12/09/24 | Closed with explanation | Yes | null | 11,073,991 |
11/21/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | . Subject : Complaint Against TransUnion for Refusal to Update Personal Information Dear CFPB, I am filing a formal complaint against TransUnion, XXXX, and Transunion for their refusal to update my personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ).
Details of the Issue : Date of Initial Request : XX/XX/year> Documents Submitted : Personal information update letter, driver 's license, Social Security card, and utility bill ( notarized ) Response from TransUnion : XX/XX/year>, stating my request could not be processed due to missing government ID ( which was, in fact, included ).
Violation of Rights : TransUnion 's refusal to update my information is a direct violation of 15 USC 1681 ( a ) ( 4 ). The FCRA mandates that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. By not properly reviewing the provided documentation, TransUnion has failed to conduct a fair investigation, thus violating my consumer rights under : 15 U.S.C. 1681i : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy | 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 | 11/21/24 | Closed with non-monetary relief | Yes | null | 10,851,457 |
12/15/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | FL | 33462 | null | Consent provided | Web | 12/15/24 | Closed with non-monetary relief | Yes | null | 11,155,722 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | It has come to my attention that my personal information has been exposed in a national data breach. When reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my personal information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with.
Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national breach and a Validation of Debt Letter. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 754XX | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,857,692 |
12/16/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and non verbal per 15 USC 6802.
Possible Financial Inc Acct XXXX XXXX XXXX XXXX XXXX To whom It may Concern. I'm reaching out because XXXX XXXX XXXX is helping Possible Financial Inc by putting incorrect information relating to my credit report. The IRS considers a charge-off to be income, either as gross or ordinary income. Income that doesn't belong on a credit report, so this information on my report is inaccurate. By IRS rules, any cancelled debt or charge-offs is classified as income. Reporting this debt is incorrect or could be called Tax fraud. According to USC1681s-2 ( Possible Finance Inc Acct XXXX, XXXX, XXXX, XXXX ) as a provider of information to a credit reporting agency, it is prohibited by law from sharing inaccurate information. I'm requesting that you delete this immediately from my credit reports. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) ** A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notice, that specific information is inaccurate and ; the information is in fact inaccurate ''.. In summary, I've shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency Please delete this incorrect information from my credit report. Thank You | Company disputes the facts presented in the complaint | Possible Financial Inc | DE | 198XX | null | Consent provided | Web | 12/16/24 | Closed with explanation | Yes | null | 11,180,041 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | My account with XXXX XXXX AND XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. 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 AND XXXX XXXXXXXX XXXX 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! Delete 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 | 33025 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,864,441 |
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 | Creditor Name Date of Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33183 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,859,258 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 775XX | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,861,420 |
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 | Unapproved hard inquiries have been added to my credit report. Please eliminate them in line with 15 USC 1681c-2. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IN | 46037 | null | Consent provided | Web | 11/21/24 | Closed with non-monetary relief | Yes | null | 10,851,834 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Investigation took more than 30 days | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 79928 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,846,429 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX XXXX XXXXXXXX ( b ( XXXX ) XXXX XXXX ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable its which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b6 ). | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 326XX | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,849,013 |
11/21/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | On XX/XX/XXXX a request for Opt-out 15usc 6802-6805 was made as well as other request such as A request of Removal of student loan reporting. For it is a violation of educational and privacy act which states school will not provide transaction history to any 3rd party Upon XXXXamily and Educational Privacy act of 1974 my legal rights were violated. Inquires as well was requested on XX/XX/XXXX to be removed per XXXX permissible purposes Request to remove all original information except for current address XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX There is multiple addresses that is on my credit report that is a non mailable address Reporting agency was unable to provide me with where they got the address from as per Privacy Act 1974. A charge off is reported on my credit report. A charge off is considered a Certificate of Indebtedness which means it is income and income cant be reported to credit report and must be removed. It is illegal to report transaction history. 15 U.S. Code 1666b - Timing of payments the account was paid in full and should not be listed as a charge off.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. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 19401 | null | Consent provided | Web | 11/21/24 | Closed with explanation | Yes | null | 10,852,204 |
11/21/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30062 | null | Consent provided | Web | 11/21/24 | Closed with non-monetary relief | Yes | null | 10,880,627 |
11/21/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | Your continued reporting of accounts linked to identity theft violates federal law. I never authorized these accounts and previously disputed them with supporting identity theft documentation. Enclosed are copies of my social security card and driver 's license for additional verification. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 780XX | null | Consent provided | Web | 11/21/24 | Closed with non-monetary relief | Yes | null | 10,883,129 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information is missing that should be on the report | " The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : " | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 76502 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,852,544 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information is missing that should be on the report | " The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : " | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NJ | 07306 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,852,463 |
11/21/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Public record information inaccurate | My report contains unauthorized accounts linked to possible fraudblock and delete them now. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AR | 721XX | null | Consent provided | Web | 11/21/24 | Closed with non-monetary relief | Yes | null | 10,850,776 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Items that need attention : XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX, NY XXXX XXXX Account # XXXX Date XXXX Balance Owed : {$21000.00} - XXXX XXXX Account # XXXX Date XXXX Balance Owed : {$30000.00} - XXXX XXXX Account # XXXX Date XXXX Balance Owed : {$8200.00} - XXXX XXXX XXXX XXXX Account # XXXX Date XXXX Balance Owed : {$30000.00} - XXXX XXXX XXXX Account # XXXX Date XXXX Balance Owed : {$12000.00} - XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} -XXXX XXXX XXXX XXXX Account # XXXX Date XXXX Owed : {$6300.00} - 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 | 11552 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,853,216 |
11/20/24 | 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 noticed fraudelent accounts on my report. Please remove fraudulent 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. | MS | 39211 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,858,237 |
12/16/24 | Credit card | General-purpose credit card or charge card | Getting a credit card | Card opened without my consent or knowledge | As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationXXXX. Please delete the following accounts.
CITICARDS CBNA Date XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | NJ | 07205 | null | Consent provided | Web | 12/16/24 | Closed with non-monetary relief | Yes | null | 11,164,547 |
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 | It is deeply disappointing that, after numerous disputes and the evidence Ive provided, you continue to report inaccurate information on my credit report. This repeated failure to address the errors violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.
I have made every effort to resolve this matter, yet the inaccuracies remain. I demand an immediate reinvestigation, a review of the attached documentation, and prompt action to correct or remove the false information to ensure my report is 100 % accurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 75149 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,862,174 |
11/20/24 | 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 under pursuant to FCRA XXXX ( XXXX XXXX XXXX XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77407 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,862,446 |
12/06/24 | Credit card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Overcharged for something you did purchase with the card | My checking account was charged {$1900.00} on XX/XX/year> XXXX by " ASPIRE XXXX XXXX GA XXXX XXXX ''. I alerted my bank that morning, canceled my debit card and initiated an investigation. Then I attempted to contact Aspire XXXX XXXX using their on-line form. After waiting 2 days for a response, I called their customer service number. They will give me no information about the charge. Meanwhile, my bank has charged me {$43.00} in overdraft fees for this fraudulent charge.
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX | Company believes it acted appropriately as authorized by contract or law | Atlanticus Services Corporation | AK | 996XX | null | Consent provided | Web | 12/11/24 | Closed with explanation | Yes | null | 11,060,044 |
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 the fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and the following accounts and inquiries were opened or initiated without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting their immediate removal.
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | IL | 60643 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,866,498 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 28173 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,867,301 |
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 | When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range.
XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$7800.00} XXXX XXXX XXXX XXXX : {$8800.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$25000.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 93536 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,867,224 |
11/25/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | 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. | CA | 92113 | null | Consent provided | Web | 11/25/24 | Closed with non-monetary relief | Yes | null | 10,914,030 |
11/03/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Problem with personal statement of dispute | This company keeps reporting me to every credit bureaus on and closed acct. that as been charged off but yet and still Im still being report late every month with late charges of a closed acct was sucured saving acct that I open with my own money which XXXX turned into a credit card immediately started charging intrastate charges and late charges on my acct. As of today this acct as been closed for over a year and XXXX is still charging lates charges and reporting it to credit bureaus as if this acct is still active and it CLOSED. I called XXXX on many occasions about this issue and to this point this is harming my credit of them keep reporting a closed acct as if it is still active and its not! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 19136 | null | Consent provided | Web | 11/03/24 | Closed with explanation | Yes | null | 10,669,027 |
12/22/24 | 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 | I am unable to access my credit file and score through TransUnion. I have tried every week and have been denied access. Representatives have provided a variety of excuses or explanations, ranging from codes and escalations to system being or my computer being faulty. I have attempted to access from two different laptops with two different operating systems, and four cell phones. Recently, a representative informed me that he delete my and that could recreate it in 7 to 10 days. creating a user ID and password using the correct information, I am still unable access the credit file. I have made phone calls and escalation calls, yet after months, I am still denied access to my TransUnion credit and score even today. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | WA | 98058 | Servicemember | Consent provided | Web | 12/22/24 | Closed with non-monetary relief | Yes | null | 11,240,156 |
12/11/24 | 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 trafficking. The information listed below, which appears on my credit report, is the result of that trafficking.
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. | TX | 78741 | null | Consent provided | Web | 12/11/24 | Closed with explanation | Yes | null | 11,110,063 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer XXXX credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief.
CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint.
This fraudulent, inaccurate, and false information consists of a few XXXX credit card accounts.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 316XX | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,861,978 |
12/16/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | SUNRISE CREDIT SERVICES , INC XXXX XXXX XXXX XXXX, NY XXXX Tel : XXXX Email : XXXX Fax : XXXX SUNRISE CREDIT SERVICES , INC is XXXX reporting on my credit. I have never had any accounts with them. Upon my research/findings, SUNRISE CREDIT SERVICES , INC is a debt collector. They are falsely reporting to my credit! Account # XXXX is falsely reporting to my credit file ( XXXX, XXXX, and XXXX and any other reporting agency ) and against my rights and fair credit act. Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports. I have attached the definition so that you can see and understand the violation. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. I request to be provided proof of this alleged item, specifically the original application, contract, note instrument bearing my signature with SUNRISE CREDIT SERVICES , INC . Failing to do so, the item must be deleted from the report as soon as possible! Under federal law, you have 30 days to complete your reinvestigation. I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692G Please have the original creditor provide the validation documents to the XXXX as well as to me. It is extremely important that the creditor provide the documents to the XXXX to ensure fairness and that they are not brushing me off and taking this matter seriously. Thank you for your assistance. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SUNRISE CREDIT SERVICES, INC | TX | 761XX | null | Consent provided | Web | 12/16/24 | Closed with explanation | Yes | null | 11,172,674 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 601XX | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,856,757 |
11/30/24 | Credit card | General-purpose credit card or charge card | Fees or interest | Charged too much interest | I had a purchase promotional balance of 0 % APR to open this account last year, and the promo was set to expire on the statement closing in XX/XX/XXXX. The statement closed on XX/XX/XXXX, with a balance of {$19000.00} and a payment due date of XX/XX/XXXX, but this due date was changed from the XXXX to the XXXX of the month ( i.e., XX/XX/XXXX ) which changed the next closing date to XX/XX/XXXX. To avoid interest fees, I made every effort to pay off the full statement balance on the due date after the expiration of the promotional balance by first payment of {$14000.00} of XX/XX/XXXX followed by another payment of {$4400.00} ( remaining statement balance ) planned for XX/XX/XXXX but due to weekend delays funds were not available until XX/XX/XXXX. When the statement closed on XX/XX/XXXX, I was charged an interest of {$250.00}, defeating the whole effort of paying off the full balance of XXXX. When I reached out to customer service explaining this issue and requesting for a one-time courtesy waiver of the interest charge since I paid the full statement balance, and I have always made my payments on time and never owed, I was disappointed by the response of the agent who obviously did not show any concern or courtesy to help. A one-time courtesy over interest charges is the least a financial company can do for a customer who actively used the card and has always made on time payments. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | TX | 77494 | null | Consent provided | Web | 11/30/24 | Closed with monetary relief | Yes | null | 10,973,793 |
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 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. | TX | 75243 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,862,522 |
12/04/24 | Credit card | Store credit card | Getting a credit card | Card opened without my consent or knowledge | I just checked my credit my XXXX report and it was hit XXXX points for Citibank Best Buy card. I never tried to open up account due to me trying to fix my credit now I might have an open credit account that can ruin my credit. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | MD | 20715 | null | Consent provided | Web | 12/12/24 | Closed with explanation | Yes | null | 11,030,208 |
12/16/24 | 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 am writing to formally dispute an unauthorized inquiry on my credit file under the name XXXX dated XX/XX/year>, originating from : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This inquiry was conducted without my authorization or any permissible purpose as outlined under the Fair Credit Reporting Act ( FCRA ), specifically 1681b. As you are aware, conducting an inquiry without a valid legal purpose constitutes a direct violation of my consumer rights.
Demand for Resolution To resolve this issue, I demand the following actions : Immediate Removal of the Unauthorized Inquiry : The inquiry must be removed from all credit reporting agencies.
Statutory Damages : Issue me the {$XXXX} in statutory damages, as provided for under 1681n of the FCRA.
Non-Admittance of Wrongdoing : I am willing to resolve this matter amicably without requiring your client to admit liability or wrongdoing, provided my demands are promptly met.
Notice of Potential Litigation and Estimated Costs If this matter is not resolved within 14 days, I will be forced to pursue legal action to protect my rights. In addition to statutory and actual damages, I will also seek to recover litigation costs. Below is an itemized estimate of the financial burden XXXX XXXX XXXX incur if litigation is pursued : Expense Item Estimated Cost Attorney Retainer Fee {$XXXX} - {$XXXX} Court Filing Fees {$XXXX} - {$XXXX} Discovery Costs ( documents, depositions, etc. ) {$XXXX} - {$XXXX} Expert Witness Fees ( if applicable ) {$XXXX} - {$XXXX} Travel Expenses ( for hearings ) {$XXXX} - {$XXXX} Additional Attorney Hours {$XXXX} - {$XXXX} per hour Reputational Damage ( intangible, but significant ) Variable Total Estimated Litigation Costs : {$XXXX} - {$XXXX}, excluding potential damages awarded in court.
XXXX for XXXX To avoid these unnecessary costs, I encourage you to address this dispute promptly. Confirm in writing within 14 days of receipt of this letter that : The inquiry has been removed.
The {$XXXX} statutory damages payment will be issued.
Resolving this matter now is in your best financial and reputational interest. If you fail to act, I will have no choice but to seek full legal remedies, including actual damages, which will only increase your liability.
This letter serves as formal notice under the FCRA. I trust you will recognize the importance of addressing this issue immediately. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | GA | 31206 | null | Consent provided | Web | 12/16/24 | Closed with explanation | Yes | null | 11,164,303 |
12/13/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | XXXX Bank reported following information to Chexsystems.
Source of Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported For : ACCOUNT ABUSE REPORT IS DISPUTED BY THE CONSUMER ( XXXX ) Reported Name : XXXX XXXX Reported Address : XXXX XXXX XXXX Reported SSN/ID : XXXX Drivers License : Date of Closure : XX/XX/XXXX RTN/ACCT # : XXXX Original Charge Off Amount : XXXX Closure Status : UNPAID Closure Status Date : XX/XX/XXXX This information or debt does not belong to me.
XXXX XXXX is violating The Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ) laws by reporting incorrect information to Chexsystems and affecting my personal life and financial status.
I request XXXX XXXX to verify the charges that caused this debt, verify those charges made by me.
1. Provide all charges that caused this debt.
2. Provide dates, description of all these charges 3. Provide if any details of all disputes were open 4. Provide results of investigation of these all disputes of all charges.
5. Provide proof that I made those charges.
6. Provide banks policy for fraud protection.
7. Provide if any bank policy used to cover these charges 8. Provide if this debt is charged off, provide proof of charged off action 9. XXXX XXXX reported my address as " XXXX XXXX XXXX '' on chexsystems report, provide proof of this address being my address during banking with XXXX XXXX.
XXXX. If any of the information on chexystems report incorrect, I reqjuest XXXX XXXX to remove record from chexsystems.
XXXX. If XXXX XXXX makes any updates to record on chexsystems, I request XXXXXXXX XXXX to provide proof of real information that XXXX XXXX updates on credit report.
XXXX. XXXX XXXX is violating 15 US 1981 and 15 US 1692 laws reporting inaccurate information to chexsystems and violating fair debt collection act by reporting inaccurate debt to chexsystems.
XXXX. If XXXX XXXX does not provide and answer all my complaint questions with proofs, I will file a lawsuit against XXXX XXXX and Chexsystems Inc for the alleged debt reporting and hurting my personal and financial life.
I request XXXX XXXX to investigate this complaint and respond to my complaint following all The Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ) laws properly.
If XXXXXXXX XXXX does not respond my complaint in 15 days, or if XXXXXXXX XXXX does not provide proofs requested in complaint, I request XXXX XXXX to remove this record from chexsystems and XXXX XXXX XXXX XXXX.
Sincerely XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Fidelity National Information Services, Inc. (FNIS) | CA | 92553 | Servicemember | Consent provided | Web | 12/13/24 | Closed with explanation | Yes | null | 11,123,555 |
12/14/24 | Credit card | General-purpose credit card or charge card | Problem when making payments | Problem during payment process | I tried to renew my XXXXXXXX XXXX subscription with my Citibank card ( It was on automatic renewal ) I use the same card to renew another XXXX subscription monthly with no problem I received a notice that there was suspected fraud via email and text. I approved the transaction Twice I called Citibank and they said my card would be unblocked I called XXXX We tried to pay again Card blocked This happened 4 times I added a new citibank card to pay the charge and that card was immediately declined. I've called Citibank 6 times to try to get the cards unblocked I was told twice that it was unblocked and now I'm being told that my card ( XXXX ) are " under review '' I don't know what that means and now I have XXXX cards that I can use. I have no idea when this will be resolved There was no fraud. I was simply trying to make a payment Now I can't make any payments. Again there was no fraud and they confirmed my identity yet still blocked my cards | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | NY | 10012 | Older American | Consent provided | Web | 12/14/24 | Closed with non-monetary relief | Yes | null | 11,153,799 |
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 notify you that I am a victim of identity theft and a data breach, and unauthorized accounts and inquiries have been fraudulently opened in my name. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and permanently deleted from my credit file immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | AL | 35810 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,857,698 |
12/12/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | To Whom it May Concern I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquires from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the XXXX XXXX XXXX ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that i am a victim of Identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C 1681-2 ( a ). I became aware of the breach of my personal information through XXXXXXXX XXXX XXXX, which has exposed my sensitive data to unauthorized individuals. the following fraudulent accounts and inquires have been identified as a result of this breach | Company has responded to the consumer and the CFPB and chooses not to provide a public response | DIGITAL FEDERAL CREDIT UNION | MI | 482XX | null | Consent provided | Web | 12/12/24 | Closed with non-monetary relief | Yes | null | 11,138,655 |
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 | Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | WI | 53218 | null | Consent provided | Web | 11/21/24 | Closed with explanation | Yes | null | 10,863,809 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AZ | 85379 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,864,456 |
12/18/24 | 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 | Chex Systems XXXX XXXX Attn : Consumer XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Consumer ID # XXXX To Whom It XXXX Concern : It has been brought to my attention that XXXX XXXX XXXX XXXX has listed OVERDRAFTS on my Chex Systems XXXX, dated XX/XX/year> To my knowledge, I have never had negative listing with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from XXXX XXXX XXXX XXXX including copies of any documentation associated with this Suspected Fraud Activity which bear my signature. In the absence of such documentation, I request that this OVERDRAFTS be permanently removed from my Chex Systems report ASAP. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Fidelity National Information Services, Inc. (FNIS) | TX | 799XX | null | Consent provided | Web | 12/18/24 | Closed with explanation | Yes | null | 11,205,072 |
12/16/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | On XX/XX/XXXX I received an inquiry on my credit report from TOWER LOANS that I did not make. I have never used this company. Tower loans currently has accounts on my credit that are in the amount of XXXX, and XXXX. I have never had an account with this company. My information was included in a data breach that happened in XXXX. My identity has been used on several occasions to obtain loans and credit cards. These accounts and recent inquires are proof because I have never used this company. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Tower Loan of Mississippi, Inc. | TX | 77006 | null | Consent provided | Web | 12/16/24 | Closed with explanation | Yes | null | 11,159,979 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AZ | 85138 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,847,425 |
11/21/24 | 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 though your company claims to have verified these.
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me.
As in XXXX XXXX XXXX XXXXXXXX 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 XXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 92544 | null | Consent provided | Web | 11/21/24 | Closed with non-monetary relief | Yes | null | 10,852,018 |
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 has continuously pursued an alleged debt that does NOT belong to me. I am not liable for this alleged debt as there is no contract, application nor written consent present therefore this alleged debt is not able to be validated. This company acquired my private information from a source ( social security number ) without prior consent which constitutes both identity theft and securities fraud. Furthermore the collection agency that they stated is handling this alleged debt has confirmed to me that they arent pursuing this debt and that they have no recollection of this account. This alleged debt is invalid and has caused so much financial damage! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | SC | 296XX | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,852,689 |
12/12/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | I am writing to express my concern regarding the inaccurate negative items on my ChexSystems report. I have submitted multiple complaints to ChexSystems requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, ChexSystems is obligated to remove these disputed items from my credit report. I kindly request that ChexSystems promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my ChexSystems report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Fidelity National Information Services, Inc. (FNIS) | CA | 92585 | null | Consent provided | Web | 12/12/24 | Closed with explanation | Yes | null | 11,131,935 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | " I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.
As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.
" | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30291 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,862,513 |
12/12/24 | Credit card | General-purpose credit card or charge card | Trouble using your card | Can't use card to make purchases | Dear Consumer Financial Protection Bureau, I am filing a formal complaint against US Bank regarding discriminatory treatment by a customer service representative, ongoing issues with my US Bank XXXX credit card, and general poor customer service.
Background Information - Recently, I applied for and received the US Bank XXXX credit card. As part of this process, I transferred {$100000.00} to US Bank and opened both checking and savings accounts. Despite this commitment, I have faced the following issues : Delayed Card Delivery : The credit card took over a week to arrive, which was inconvenient and disappointing.
Blocked Transactions : Regardless of whether the transactions were online or in-store and regardless of the amount, US Bank consistently declines my transactions.
I have contacted customer service numerous timesduring the day, at night, on weekdays, and weekendsto resolve this issue. Each time, I was assured that the problem was fixed, yet the next transaction was blocked again.
Discriminatory Behavior : During a call with a representative named XXXX on XX/XX/XXXX, I was subjected to degrading and XXXX comments about my accent. XXXX also asked for unnecessary information, which I believe was unrelated to the issue at hand. Based on information from other representatives, I suspect XXXX may have left false notes on my account, further complicating the situation.
Request for Resolution : US Bank records its customer service calls, and I urge you to review the call with XXXX on XX/XX/XXXX. His behavior was not only unprofessional but also discriminatory, which is unacceptable. Additionally, I request that the CFPB investigate the following : Why my credit card transactions continue to be declined despite assurances from US Bank.
Whether false or misleading notes were added to my account, as suggested by other representatives.
The overall handling of my concerns by US Bank, including their failure to resolve the issues in a timely and respectful manner.
Impact on Me : I am a loyal customer who trusted US Bank with significant financial assets. This experience has been not only frustrating but also deeply degrading due to the discriminatory treatment I received.
Desired Outcome : I seek : A formal apology from US Bank for the treatment I endured.
A resolution to the ongoing credit card issues.
Confirmation that discriminatory behavior is addressed appropriately, and that the representative involved is held accountable.
Thank you for your attention to this matter. Please let me know if you need any additional information. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | CA | 91765 | null | Consent provided | Web | 12/12/24 | Closed with explanation | Yes | null | 11,111,282 |
12/23/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the fair credit reporting acts. This creditor has violated my rights under 5 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnace an account without my written instructions. Under 15USC 166Ba creditor may not treat a payment under a credit card under a open consumer credit plan as late for any purpose. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Continental Finance Company, LLC | FL | 337XX | null | Consent provided | Web | 12/23/24 | Closed with explanation | Yes | null | 11,253,477 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these.
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me.
As in XXXX XXXX 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 creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 902XX | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,865,842 |
12/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Thank you for your continued correspondence regarding my account and for the investigation you've conducted thus far. I appreciate your efforts to address the concerns I raised ; however, I believe there are still key points that remain unresolved. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | NJ | 076XX | null | Consent provided | Web | 12/20/24 | Closed with explanation | Yes | null | 11,228,390 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 152XX | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,867,176 |
12/10/24 | Credit card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | On XX/XX/year>, I booked a reservation through XXXX for a rental car in the XXXX for XXXX XXXX XXXX using my USAA credit card. A hold was placed on the card for the full amount of the rental ; however on XX/XX/XXXX, I received a voicemail from the car rental place that they no longer had a vehicle available to fill our reservation and would be cancelling it on their end. Since payment was to be made at pickup, they did not yet have the funds to be able to provide a refund, but assured me that they would be cancelling the reservation and would not charge us since we no longer authorize the transaction since they could not fulfill their end of the contract. I contacted XXXX for a refund and was told that there was an issue with their system and could not provide a refund without a manager submitting it. I was assured that I would receive a refund within 72 hours. I filed a dispute with USAA since the company was not providing what was contracted for in the transaction. We no longer authorized that payment to be made. USAA claims to have investigated the transaction and found it to not be fraudulent. I do not understand how a company can enter a contract, take our money, not fulfill their end of the terms, still charge our card, and somehow not be a fraudulent charge. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | UNITED SERVICES AUTOMOBILE ASSOCIATION | FL | 33556 | Servicemember | Consent provided | Web | 12/10/24 | Closed with explanation | Yes | null | 11,106,998 |
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 | Transunion and XXXX were asked to provide Please provide the following : Agreement that grants the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor where I agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
I am also requesting The means of which this information was VERIFIED and VALIDATED For the account thats been reported as fruad.
In the packet sent none of these items arrived. There was XXXX proof for any of these items being validated which checks out with Transunion not running FCRA disputes as they have previously been caught not doing. Statements are inaccurate and missing information and provide no real information yet Transunion failed to do this investigation on their own | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MI | 488XX | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,857,767 |
12/14/24 | 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 | This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | TX | XXXXX | null | Consent provided | Web | 12/14/24 | Closed with explanation | Yes | null | 11,155,146 |
12/01/24 | Credit card | Store credit card | Fees or interest | Problem with fees | tried to make my monthly payment, bank app stated " no payment due ''. so, i did not pay. next XXXX XXXX charged me late fee {$35.00}. then i paid. a month later, exactly the same happened. but i took screen shots this time, stating again '' no payment due ''. and again-days later the bank charged me {$35.00} late fee.
I am reporting sheffieldfinancial bank to steel money from me. I also report same bank of fraudulent activities.
i request my money back-that they stole from me " XXXX {$35.00} ''. and removing any filed late payments in credit history. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | MO | XXXXX | null | Consent provided | Web | 12/01/24 | Closed with monetary relief | Yes | null | 10,988,183 |
12/15/24 | Credit reporting or other personal consumer reports | Credit reporting | Credit monitoring or identity theft protection services | Problem canceling credit monitoring or identify theft protection service | XXXX credit breach my personal information was leaked online by th credit bureau and I purchased online credit protection that didn't help me keep my identity safe there has been a lot of loans and personal credit cards obtained in my name that I didn't receive or order XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX and auto loan was taken out with a car dealership in California im a true victim of identity theft and seem to no get any assistance with the route I'm taken. I we told squeaky wheel gets the grease! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Google Compare Credit Cards Inc. | NV | 89101 | null | Consent provided | Web | 12/15/24 | Closed with explanation | Yes | null | 11,164,004 |
12/15/24 | 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 | The problem is with a citi credit card. I talked to them multiple times about the charges but do not investigate. This is not identity theft it is simple wire fraud.
I am receiving charges from XXXX different entities. On is called XXXX and the other is XXXX XX/XX/year>. These look fake.
The both indicate interest payments, but I have never done business with these people. This is not an interest payment to Citi. ONe is for some type of audio equipment company and the other is for a public relations firm. I have no need for such services.
I faxed a XXXX page document to XXXX XXXX XXXX from XXXX, I never hear anything back.
Talking to dispute people at citi is a waste of time.
It is best to look at a letter I sent to an attorney which includes a lot of detail.
These are fraudulent charges, and amount to wire fraud. This was over a number of months and I called Citi whenever the charges appeard and they did not or could not investigate.
There is no where to send a written signed dispute for for Citi Credit Cards, Just debit card transactions and they never respond. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | VA | 22407 | Older American | Consent provided | Web | 12/15/24 | Closed with explanation | Yes | null | 11,163,722 |
11/21/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | It has come to my attention that my personal information has been exposed in a national data breach. When reviewing my credit reports, I noticed some accounts, XXXX XXXX XXXX XXXX that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my personal information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with.
Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national breach and a Validation of Debt Letter. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 754XX | null | Consent provided | Web | 11/21/24 | Closed with non-monetary relief | Yes | null | 10,850,241 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information is missing that should be on the report | " The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : " | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 76502 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,852,667 |
11/21/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required XXXX notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 92626 | null | Consent provided | Web | 11/21/24 | Closed with non-monetary relief | Yes | null | 10,855,147 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Investigation took more than 30 days | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX 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 | 33142 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,852,546 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!
I demand the late payment to be updated.
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!
15 USC 1666b ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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. | NY | 11234 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,859,085 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This issue is deeply concerning to me, as it is affecting my ability to sleep. Considering my consistent history of timely payments, I urgently request an immediate update to my account to alleviate the distress it is causing. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60466 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,856,768 |
12/11/24 | 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 | The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | TX | 781XX | null | Consent provided | Web | 12/17/24 | Closed with non-monetary relief | Yes | null | 11,115,806 |
12/09/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | DEBT VALIDATION AND CHARGE OFF INFORMATION - REPORTING A BALNCE WHEN ITS ALREADY CHARGED OFF | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | MO | 63146 | null | Consent provided | Web | 12/17/24 | Closed with explanation | Yes | null | 11,090,036 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 75243 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,862,717 |
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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11237 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,857,049 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | " I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.
As per the Fair Credit Reporting Act, particularly under 15 U.S.C. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.
" | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AL | 36116 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,857,050 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | 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. | CA | 92618 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,866,582 |
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 | When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - tied up XXXX XXXX XXXX Balance Owed : {$0.00} - tied up XXXX XXXX XXXX Balance Owed : {$0.00} - tied up | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CO | 80917 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,866,260 |
11/25/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I recently reviewed my credit report and noticed inaccurate and unauthorized account information relating to identity theft. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77008 | null | Consent provided | Web | 11/25/24 | Closed with non-monetary relief | Yes | null | 10,914,122 |
11/10/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | paid off/ account should be deleted from credit profile. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60419 | null | Consent provided | Web | 11/10/24 | Closed with non-monetary relief | Yes | null | 10,745,545 |
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 | I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contain fraudulent ACCOUNT and INQUIRIE that are not associated with me.
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.
In addition, I request the immediate removal of the following fraudulent ACCOUNT and INQUIRIS from my credit report.
ACCOUNT : XXXX # XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33018 | null | Consent provided | Web | 11/20/24 | Closed with explanation | Yes | null | 10,855,072 |
12/16/24 | Credit card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | XX/XX/XXXX : I receive a statement to my old address on XXXX XXXX XXXX XXXX NY XXXX. It says that I am paying the minimum amount for a statement balance over {$3000.00} for an account that I closed and paid in full before closing. I call the bank and request for statements that might include actual transactions or charges to the account that are not just interests that I need to pay to the bank. The bank send me statements from XXXX XXXX.
XX/XX/XXXX : I call the bank to provide statements prior to XX/XX/XXXX. They can not provide statements prior to that, and I am unable to check if any of the charges are fraudulent. I want to know what I am paying for. The statements from XX/XX/XXXX onwards are only interest charges. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | NY | 11214 | null | Consent provided | Web | 12/16/24 | Closed with explanation | Yes | null | 11,165,916 |
12/21/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | your company is currently reporting to two credit bureaus I did not grant you authorization to review my credit report. The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. 15USC 1681b If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain the necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | MI | 49022 | null | Consent provided | Web | 12/21/24 | Closed with explanation | Yes | null | 11,238,948 |
11/23/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Investigation took more than 30 days | i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you. | 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 | 11/23/24 | Closed with non-monetary relief | Yes | null | 10,911,876 |
12/16/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | To start off. this account was not opened or authorized to be opened by me. I attempted multiple time to resolve this issue directly with the company, but it is impossible to get in touch with them. I attempted to call and email them multiple times and no response. I attempted to dispute and file a complaint directly with credit bureaus and CFPB but the creditor refused to fix this. I really need this account off my credit report and felt like i had no other option than to pay the amount. I contacted them and through their unreliable phone number, the automated system gave directions to contact Indebted for payoffs or settlements. I called and informed me that i was eligible for a settlement payment and once I paid it, it would requested to be deleted from all three bureaus. They called it a " promise to delete ''. So i paid the settlement amount they had informed me about and informed me i would receive a receipt showing the account was paid and that they would let Possible Financial know that it has been paid and they can clear the account and request for deletion on my credit reports. I have emailed Possible financial requesting updates and all they tell me is that the account still shows as it has not been paid. These people are scammers and ruin peoples life. | Company disputes the facts presented in the complaint | Possible Financial Inc | CA | 94806 | null | Consent provided | Web | 12/16/24 | Closed with explanation | Yes | null | 11,169,476 |
12/13/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Credit file showing accounts that arent mine. One citicards cbn with a balance of XXXX open 7 years and multiple XXXX accounts. All open in states ive never lived. Contacted citibank amd no record of my social on file made fraud reports and freezes with XXXX and XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | CA | 949XX | null | Consent provided | Web | 12/13/24 | Closed with non-monetary relief | Yes | null | 11,145,379 |
Subsets and Splits