Date received
stringclasses 53
values | Product
stringclasses 3
values | Sub-product
stringclasses 6
values | Issue
stringclasses 22
values | Sub-issue
stringclasses 69
values | Consumer complaint narrative
stringlengths 37
31k
| Company public response
stringclasses 9
values | Company
stringclasses 237
values | State
stringclasses 55
values | ZIP code
stringlengths 5
5
| Tags
stringclasses 3
values | Consumer consent provided?
stringclasses 1
value | Submitted via
stringclasses 1
value | Date sent to company
stringclasses 53
values | Company response to consumer
stringclasses 4
values | Timely response?
stringclasses 2
values | Consumer disputed?
float64 | Complaint ID
int64 10.6M
11.3M
|
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
11/04/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I have reached out to the following accounts below for several times and talked to them about the issues with my account as reported by the TRANSUNION. They have advised me that they will remove ALL the late payments and will correct the credit report accordingly and accurately, however, as I reviewed my recent report the accounts are still reporting inaccurately. I am not sure how the TRANSUNION came up with this remark. They have failed to investigate properly and they have been ignoring my letters. Also, the comments do not conform to the payment history that is being shown in my report. I have also attached in this complaint the response from the company to remove the late payments. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60638 | null | Consent provided | Web | 11/04/24 | Closed with non-monetary relief | Yes | null | 10,674,996 |
11/05/24 | 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. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies 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 vour reference. Mv credit report contains fraudulent INQUIRIES 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 Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report.
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 331XX | null | Consent provided | Web | 11/05/24 | Closed with non-monetary relief | Yes | null | 10,677,311 |
11/05/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Was not notified of investigation status or results | I am submitting a complaint regarding Transunions failure to verify the debt or correct the many errors on my credit report. This is unacceptable. I initially disputed these items over 100 days ago with a letter sent on XX/XX/year>, and I have sent additional letters since then with all required identification and address documentation included each time : photo ID, Social Security card, and a utility bill. They still have not verified or updated the errors, nor have they deleted any incorrect information as required by law. The Fair Credit Reporting Act mandates that, in cases where documentation is provided, unverified items must be corrected or deleted. At this point, Transunions failure to act violates these protections, and I am left with errors that negatively impact my credit profile.
Below are the specific accounts and errors that remain unaddressed : XXXX XXXX XXXX XXXXXXXX : Unverified, incorrect last activity date, incorrect payment history. UPDATE TO NEVER LATE.
XXXX XXXX XXXX XXXXXXXX : Unverified, incorrect last activity date, incorrect payment history. UPDATE TO NEVER LATE.
XXXX XXXX XXXXXXXX : Unverified, high balance and credit limit incorrect, date of last payment incorrect. UPDATE TO NEVER LATE.
XXXX XXXX XXXXXXXX : Unverified, incorrect high balance, last reported date incorrect, incorrect payment history. UPDATE TO NEVER LATE.
XXXX XXXX XXXX XXXXXXXX : Unverified, incorrect high balance, incorrect date of last payment. UPDATE TO NEVER LATE.
XXXX - XXXX : Unverified, incorrect high balance, date of last payment incorrect, incorrect payment history. PLEASE DELETE.
XXXX - multiple accounts : Unverified, incorrect payment history. UPDATE TO NEVER LATE.
I am attaching the 5 letters that have been sent to them, which included my identification each time. I am also uploading proof of my identity for the sake of this complaint. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33837 | null | Consent provided | Web | 11/05/24 | Closed with non-monetary relief | Yes | null | 10,677,152 |
11/04/24 | 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 | 79936 | null | Consent provided | Web | 11/04/24 | Closed with non-monetary relief | Yes | null | 10,676,847 |
11/05/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).
Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.
Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NJ | 086XX | null | Consent provided | Web | 11/05/24 | Closed with non-monetary relief | Yes | null | 10,672,293 |
11/06/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77396 | null | Consent provided | Web | 11/06/24 | Closed with non-monetary relief | Yes | null | 10,714,902 |
11/07/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.
Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.
Please CORRECT the accounts, or inaccurate information, from my file immediately 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 | 92630 | null | Consent provided | Web | 11/07/24 | Closed with non-monetary relief | Yes | null | 10,701,945 |
11/05/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NV | 89052 | null | Consent provided | Web | 11/05/24 | Closed with non-monetary relief | Yes | null | 10,695,440 |
11/22/24 | 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 | please remove these item that i request to remove from the past months and still reporting on my report, I already comply all the needed detail. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NV | 89166 | null | Consent provided | Web | 11/22/24 | Closed with non-monetary relief | Yes | null | 10,881,764 |
12/17/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Delete off my credit report its saying that I have a late payment for XXXX but I do not have a late payment for XXXX. I pay XX/XX/XXXX. I close this account I want this account deleted off my credit report. It is a close account now thank you. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | PENTAGON FEDERAL CREDIT UNION | AL | 35405 | null | Consent provided | Web | 12/17/24 | Closed with explanation | Yes | null | 11,185,949 |
11/04/24 | 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 | 76107 | null | Consent provided | Web | 11/04/24 | Closed with non-monetary relief | Yes | null | 10,672,659 |
12/17/24 | Credit card | General-purpose credit card or charge card | Closing your account | Company closed your account | CITIBANK I had five Citibank credit cards closed in XXXX by the company due to non-use. Four of these are bank credit cards, and one is a store card. The results of this has been the catalyst for the decline of my credit into the XXXX for the first time in decades. My utilization ratio became much higher due to the loss of these available credits.
I had an emergency and needed to purchase something, but was unable due to my accounts all having been closed. I reached out to Citibank customer service, but the only solution they offered was to run my credit to open a new account, which was not a viable solution for me at the time, and due to my utilization ratio and other effects of the emergency, my credit probably wouldnt have been approved. I was very upset on this call. I may have agreed to having another account opened, because I have an email with a determination of such, but being that all of my accounts were closed by Citibank, when I changed my password and tried to log in, because I dont have an account now, I couldnt access anything. Account not found, or some such, and another bond would be created for which I receive no benefit.
I couldnt understand how Citibank could penalize me for being a responsible customer. I wrote an Open Letter to Citibank, and told them they should listen to the recording of my call.
The cards and details are as follows : Card 1, Held since XXXX, Credit limit {$3600.00}, expired in XX/XX/XXXX and the company just never replaced it.
Card 2, held since XXXX, Credit limit {$11000.00}, closed by Citibank on XX/XX/XXXX Card 3, held since XXXX, Credit limit {$8500.00}, closed by Citibank on XX/XX/XXXX Card 4, held since XXXX, credit limit {$3800.00}, closed by Citibank on XX/XX/XXXX Cards 2, 3 and 4, I still hold unexpired cards into XXXX and XXXX.
Card 5 is a XXXX XXXX store card Ive had since XXXX, with a {$5000.00} limit. I received a letter stating there was an account review on XX/XX/XXXX which showed I hadnt used my card in over 32 months. Then it demands, Be sure to use your card by XX/XX/XXXX or your credit account will be closed due to inactivity So on XX/XX/XXXX I packed my husband and his wheelchair ( needed after XXXX consecutive XXXX surgeries over two years, ) into my car and drove to XXXX XXXX. After an hour of picking out things, I went to the garden center to check out. My card wouldnt work. The clerk had me enter my SOCIAL SECURITY number into the keypad three ( 3 ) times, and couldnt get it to work. I had no other payment form on me, so I had to abandon my cart, as my husband went to the car.
The clerk couldnt tell me if entering my social security number would somehow be used by the company or if I gave the company tacit permission to do something, just that it was for identification. It didnt sit well with me. I was irked, so I just left.
When I got home I called, and the customer service rep told me my account had been closed back in XXXX, but he couldnt elaborate due to the day and time I called. He also suggested something about me calling a credit reporting company, which didnt make sense to me, but he and I didnt get to explore that any further.
I didnt call back.
Arizona statute ARS 13-2101 Definitions, 1. states : Cancelled or revoked credit card means a credit card that is no longer valid because permission to use it has been suspended, revoked or terminated by the issuer of the credit card by written notice sent by certified or registered mail addressed to the person to whom the credit card was issued at the persons last known address. Proof that the written notice has been deposited as certified or registered matter in the United States mail addressed to the person to whom the credit card was issued at the persons last known address gives rise to an inference that the written notice has been given to the cardholder.
No such notice was given for any of the cards referenced in my complaint. Title 13 is the Arizona criminal code title. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | AZ | XXXXX | null | Consent provided | Web | 12/17/24 | Closed with explanation | Yes | null | 11,175,320 |
11/15/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXXe, which falls under XXXX according to XXXX-Debt Final Rule XXXX002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30309 | null | Consent provided | Web | 11/15/24 | Closed with explanation | Yes | null | 10,812,648 |
11/14/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | The inquires below are not mines and are ID Theft. Please review and delete. I have added a ID theft alert to report.
Transunion : Inquiry details XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX ( Bank ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX # ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX : Inquiry details XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX DEALER XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA DEALER XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 76227 | Servicemember | Consent provided | Web | 11/14/24 | Closed with explanation | Yes | null | 10,793,064 |
12/15/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Dear Elan Financial Services Compliance Department, Account # : XXXX This complaint serves as a formal notice of dispute regarding the inaccurate and unlawful reporting of a late payment on my credit report for the above-referenced open-end credit account. Your reporting directly violates federal consumer laws, including : 1. 15 U.S. Code 1666b Timing of Payments, under the Truth in Lending Act ( TILA ).
2. 15 U.S. Code 1681s-2 ( a ) Accuracy of information furnished to Consumer Reporting Agencies ( CRAs ) under the Fair Credit Reporting Act ( FCRA ).
3. 15 U.S. Code 1681c ( a ) Prohibition of reporting transactions or experiences that are excluded by law from my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | GA | 303XX | null | Consent provided | Web | 12/15/24 | Closed with explanation | Yes | null | 11,163,756 |
12/14/24 | Credit card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | I am writing you in a last ditch effort to have {$770.00} credited back to me for XXXX ticket number XXXX back to my citicard ending in XXXX. This was for a flight that did not occur due to the XXXX XXXX in XXXX. I have been trying since XXXX to get a refund. I have spoken to multiple people at XXXX and Citibank. Being told that money is stuck somewhere and there is nothing that can be done. MULTIPLE HOURS involved in this.
Initially I requested a refund from XXXX XXXX- they offered flight credit, which i disputed. Then I filed a dispute with Citicard- who found in favor of the airlines- could be because they have an XXXX XXXX Citicard. I then returned my complaint to XXXX, which resulted in a refund that citicard is saying they didnt receive. At one point I had both citi and XXXX on the phone with me and neither could figure out where money is???
I am BEYOND FRUSTRATED!!! I have since closed XXXX citicard accounts and will not EVER do business with XXXX XXXX ever again! I have been a loyal citi customer for over 20 years, without XXXX late payment or filed dispute!
For a CITICARD with XXXX XXXX BOTH companies should have a clue how to fix this.
Reps at CITIBANK I have worked with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My last correspondence from XXXX stated I needed to contact citi once more - after reaching their executive services department, I was told there was nothing they could do. I have paper correspondences saved. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | SC | 29910 | Older American | Consent provided | Web | 12/14/24 | Closed with explanation | Yes | null | 11,156,493 |
11/14/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | Follow-Up Dispute Verification - Failure to Comply with FCRA and this is the proof than show the violation Totally all law written to FCRA Section 611, FCDRA AND TILA, DELETE INMEDIATLY THE FOLLOWING ACCOUNTS : I am writing to formally THIS COMPLAINT the accuracy of information PERSIST IN THE ACCOUNTS AND THE bureau has verified on my credit report regarding the following accounts : XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX - Account number XXXX While I appreciate your response indicating that the information has been verified, I believe there are still significant inaccuracies that require further investigation. Specifically, Account Number, last activity, remarks, time XX/XX/year> day late, month 's revieweds, high balance, comments, and payments history.
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies in my credit report. I request that you conduct a more thorough investigation into this matter, particularly considering the following points : 1.Inconsistencies : There are discrepancies among the XXXX credit bureaus regarding this account, including : Account Number, last activity, remarks, time XX/XX/year> day late, month 's revieweds, high balance, comments, and payments history.
2.Verification Issues : According to Section 609 ( a ) ( 1 ) ( A ) of the FCRA, you are required to verify accounts through original documentation. I request that you provide the supporting documentation you relied upon to verify this account.
3.Consumer Rights : Under Section 611 of the FCRA, if you can not provide adequate documentation to support the validity of this account, you must remove it from my credit report.
4.Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information.
I believe 100 % AND THE PROOF IS ATTTACH TO THIS COMPLAINT THAN the bureau has failed to comply with the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) in their investigation process.
Specifically, I wish MORE POINT AND VIOLATION HAVE THE TRANSUNION TO MY RIGHT AFTER THE INVESTIGATION THE ACCOUNT HAVE DESCREPACIES AND INNACURATE : 1.Failure to Investigate Accurately ( 15 U.S. Code 1681i ) : After submitting a dispute regarding inaccuracies on my credit report, I did not receive a thorough investigation within the mandated XXXX timeframe. The results of the investigation did not adequately address my concerns.
2.Inadequate Compliance Procedures ( 15 U.S. Code 1681e ( b ) ) : The bureau has not demonstrated that it has implemented reasonable procedures to ensure the accuracy and completeness of the information provided on my report. I am requesting detailed information on the procedures used during the investigation.
3.Duties of Furnishers of Information ( 15 U.S. Code 1681s-2 ) : The furnishers of the disputed information did not adequately investigate or rectify the inaccuracies after being notified of my dispute, as required by law.
4.Transparency and Accuracy ( TILA, 15 USC 1601 ) : The information provided in my credit report has not been accurate or transparent, violating my consumer rights.
5.Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. Your response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record.
6.
7.15 U.S.C. 1681i ( 7 ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this required information.
8.
9.15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Verification Requirement : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( s ). Without such verification, there is a risk that erroneous or fraudulent information could be included in credit reports. Given the lack of adequate verification, I request the removal of this unauthorized public record information.
I am requesting that the CFPB investigate this matter and take appropriate action against TRANSUNION for their failure to comply with the FCRA and TILA. Additionally, This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove inmediately.
Thank you for your attention to this matter. I look forward to your response. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 32822 | null | Consent provided | Web | 11/14/24 | Closed with non-monetary relief | Yes | null | 10,805,876 |
11/06/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. I do not consent to XXXX verification and want an actual living human to read this complaint. I see that TransUnion has attempted to fix the issues I have complained about and I'm thankful, but I keep complaining about the same issues being furnished that are violating my federally protected consumer rights. I received mail that I will have attached below from TransUnion in reference to my XXXX XXXX accounts that they're reporting. I still see my experiences with XXXX XXXX are still showing on the report. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. I will have the experiences that are still being furnished from XXXX XXXX report marked up in the attachment below. Also, my invoice is attached below. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MO | 630XX | null | Consent provided | Web | 11/06/24 | Closed with non-monetary relief | Yes | null | 10,736,486 |
11/05/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information is missing that should be on the report | I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77536 | null | Consent provided | Web | 11/05/24 | Closed with non-monetary relief | Yes | null | 10,694,884 |
11/05/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction.
I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MD | 20910 | null | Consent provided | Web | 11/05/24 | Closed with non-monetary relief | Yes | null | 10,672,456 |
11/05/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Investigation took more than 30 days | I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30024 | null | Consent provided | Web | 11/05/24 | Closed with non-monetary relief | Yes | null | 10,677,798 |
11/04/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.
As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.
The identity of the entity or entities responsible for conducting the verification process.
Any documentation or evidence used to substantiate the accuracy of the disputed items.
I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | DE | 19802 | null | Consent provided | Web | 11/04/24 | Closed with non-monetary relief | Yes | null | 10,672,703 |
11/04/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX ) XXXX, has violated my rights. 15 U.S.C section 602 A states I have the right to privacy. 15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written consent/ instructions. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IN | 46241 | null | Consent provided | Web | 11/04/24 | Closed with non-monetary relief | Yes | null | 10,674,387 |
11/05/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 76227 | null | Consent provided | Web | 11/05/24 | Closed with explanation | Yes | null | 10,672,280 |
11/05/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I am filing this complaint regarding XXXXXXXX XXXX ( Account Number : XXXX ) for inaccurately reporting late payments ( XXXX days late ) to all credit bureaus after my loan was transferred from XXXX, where I was in active forbearance due to hardship and hurricane impact.
Under the Fair Credit Reporting Act ( FCRA ), accounts under a forbearance agreement should not be reported as late. Despite my compliance with the forbearance terms, XXXXXXXXXXXX XXXX XXXX reporting has significantly impacted my credit score. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 331XX | null | Consent provided | Web | 11/05/24 | Closed with non-monetary relief | Yes | null | 10,676,083 |
11/04/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Investigation took more than 30 days | I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXXureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 92324 | null | Consent provided | Web | 11/04/24 | Closed with non-monetary relief | Yes | null | 10,675,971 |
11/05/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!
I demand the late payment reported to be removed.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | MO | 64083 | null | Consent provided | Web | 11/05/24 | Closed with non-monetary relief | Yes | null | 10,697,233 |
11/05/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | CA | 930XX | null | Consent provided | Web | 11/05/24 | Closed with non-monetary relief | Yes | null | 10,693,652 |
11/23/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I recently reviewed my credit report and I noticed that my consumer privacy rights were violated. In accordance with the Fair Credit Reporting Act the list of accounts below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602a.
XXXX XXXX XXXX 15 U.S.C 1681 section 604 A section 2 it also states : a consumer reporting agency can not furnish an account without my writing instructions. Under 15 USC 1666b as it states : 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. Please be advised that I did not give consent for any agency to report on my consumer report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 19150 | null | Consent provided | Web | 11/23/24 | Closed with non-monetary relief | Yes | null | 10,909,475 |
11/12/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documentation and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which qualifies as XXXX under the XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX, and I request that all listed accounts be blocked and deleted. Please delete the following accounts from TransUnion : XXXXXXXX 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. | NJ | 08831 | null | Consent provided | Web | 11/12/24 | Closed with non-monetary relief | Yes | null | 10,774,647 |
11/14/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | 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. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect.
The accounts below have violated my rights.
15 U.S.C 1681 section 602A. 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 ) ( a ) 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.
I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.
Please delete this items as soon as possible. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 75287 | null | Consent provided | Web | 11/14/24 | Closed with explanation | Yes | null | 10,793,020 |
11/14/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by transunion. I believe these late payments are erroneous and do not accurately reflect my payment history.
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666b ), as they misrepresent my creditworthiness.
Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.
Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.
I will escalate this matter to the CFPB, citing articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), which provide liability for willful and negligent noncompliance, respectively. These statutes allow for damages, including actual damages, attorneys fees, and possible civil penalties for failure to comply with the Act 's requirements.
The account is XXXXXXXX XXXX XXXXXXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 34771 | null | Consent provided | Web | 11/14/24 | Closed with non-monetary relief | Yes | null | 10,796,348 |
11/22/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | UT | 840XX | null | Consent provided | Web | 11/22/24 | Closed with non-monetary relief | Yes | null | 10,895,342 |
11/02/24 | 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 | I received an alert email from BOA that my credit was charged {$1600.00} on XXXX from XXXX XXXX XXXX XXXX I was in XXXX at that day. I called BOA immediately to report and dispute this transaction, and meanwhile, I locked my card from the online banking. It was another transaction at {$590.00} from XXXX store tried to make after XXXX minutes. Thank god, I locked my credit card after the first transaction, so the amount at {$590.00} has not gone through. The agent from BOA credit department told me no need to worry. BOA would take care of the fraud transactions and send me the replacement card. However, they charged that dispute amount {$1600.00} again after XXXX weeks on XXXX XXXX. I feel so confused that they knew I was impossible to make the transaction and lock the card at the same time, but they still want me to take responsible on that fraud. It doesnt make sense. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | NY | 11354 | null | Consent provided | Web | 11/02/24 | Closed with monetary relief | Yes | null | 10,662,263 |
11/22/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30519 | null | Consent provided | Web | 11/22/24 | Closed with non-monetary relief | Yes | null | 10,880,362 |
12/01/24 | Credit card | General-purpose credit card or charge card | Fees or interest | Problem with fees | I see on my recent bill a {$1.00} for a Paper Statement Fee. Now this is totally ridiculous with the interest charged on the card to begin with. Another way to increase profits? I thought airlines are bad with fees. I see XXXX is jumping on the same bandwagon to increase profits with these ridiculous " Fees '' | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | OR | 97217 | null | Consent provided | Web | 12/01/24 | Closed with monetary relief | Yes | null | 10,987,477 |
12/01/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I have not supplied proof under the doctrine of estoppel silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | MS | 39759 | null | Consent provided | Web | 12/01/24 | Closed with explanation | Yes | null | 10,987,481 |
11/28/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer.
You are also violating my rights under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) by failing to provide transparency and accountability in your collection practices.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also these XXXX XXXX and names not associated with me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Fidelity National Information Services, Inc. (FNIS) | MA | 024XX | null | Consent provided | Web | 11/28/24 | Closed with explanation | Yes | null | 10,966,039 |
11/26/24 | 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 dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | VA | 20148 | null | Consent provided | Web | 11/26/24 | Closed with explanation | Yes | null | 10,937,441 |
11/05/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | DE | 199XX | null | Consent provided | Web | 11/05/24 | Closed with explanation | Yes | null | 10,693,125 |
12/04/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I had an issue with my mail and apparently my Wells Fargo account that I had for years went overdrawn by XXXX and I only found out recently. I also found out that they had reported me to some type of Check Monitoring. I paid the {$62.00} on the account ending in XXXX on XX/XX/year>, yet the representative at Wells Fargo, failed to remove the account from the XXXX XXXX XXXX list. This is Ruining my life. I have my XXXX spouse that needs his XXXX, and I tried to open a trust account and was rejected because apparently this company, XXXX XXXX XXXX, has me listed as defaulted on the checking account. I told the representative that this was an error and he told me to wait 15 days. I can not wait 15 days. I have to open a trust account for my spouse ASAP or he will lose his benefits. I am in dire need of having this error corrected ASAP!!!! Please, this is urgent. I sent them a screenshot of the payment. I unfortunately have to file a complaint against them and Wells Fargo, due to the representative 's error on the Wells Fargo side. I have reached out to the executive offices to see if out of kindness they can override this incorrect information that is being reported against me blocking me from completing a transaction to give my spouse the dignity and care that he needs, he is XXXX and has no one else. Unless this is corrected ASAP by XXXX XXXX XXXX, and any other company the nasty collection rep failed to fix, my XXXX spouse will lose his much needed long term care XXXX benefits with XXXX
He is XXXX and he really needs the assistance to live life with dignity.
Please help me with this.
This XXXX XXXX XXXX XXXX is ruining my life for something that I already paid and I can not even log in to view it. Supposedly they state I have to wait 15 days for a report for something that is an emergency. This is a violation of my rights under the FCRA. They are reporting false and inaccurate information all due to a representative that failed to do their due diligence.
I just need this fix so that Wells Fargo will allow me to open the XXXX 's XXXX for XXXX so that my ex-husband can retain his benefits. Please I need this done yesterday. They will discontinue his benefits soon if not resolved quickly and I can not care for him during the hours I work. He can not be left alone. HELP!! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | FL | XXXXX | Older American | Consent provided | Web | 12/04/24 | Closed with explanation | Yes | null | 11,024,611 |
11/29/24 | Credit card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | I prepay all of my bills in full whenever possible, without consideration for but always weeks before, and usually almost immediately- but never late. I don't send payments without having the funds, as I don't make purchases without knowing when I will pay for them in full. I made two payments on this credit card through the app as I do with this and all of my other cards. I checked and make sure on the card and saw that there had been returns. I checked my bank account to see if I had been hacked, and all of the money was still there. My bank returned the two payments because the credit card app submitted a wrong account number. I have been paying these bills for months and always on the app, and I have never changed the account number as I have had this account for 46 years. There was clearly a glitch in the app. I called XXXXXXXX XXXX where my account was and I merge them with Prosper the card company, and it was confirmed that I had the money in the account. The Prosper person understood that it was ridiculous that I was going to the app and change my account number. They put the transaction through again while we're on the phone, it went through without issue, without me doing anything to the account number in the app. Prosper has now reduced my dramatically reduced my credit limit, and is saying I need to pay a higher fee for this card effective next month. They're taking these actions as though my account was in arrears or that this was caused by me. I can't dump the card because I don't want to impact my credit, although they have already impacted it by reducing the limit. This is grossly unfair! The rep for prosper acknowledge they can see how I pay the bill early all the time. It says though I'm being punished for trying to keep my bill at XXXX dollars. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Prosper Marketplace, Inc. | NY | 11207 | null | Consent provided | Web | 11/29/24 | Closed with explanation | Yes | null | 10,977,161 |
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 creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable.
DEPT OF EDUCATIONXXXX XXXX XXXX.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 91401 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,851,542 |
11/26/24 | 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 called fortiva XX/XX/year> to start my credit protection that I've paid on.in a previous recorded call they told me i could start a active claim in XXXX. They said i couldnt because my account is closed which is a lie my account is open, and i have a attachment from XX/XX/year> email that shows my account is past due no way a closed account could be past due... .they need to start my claim asap to this month. per the fair credit protection act accurate Info should be reported and its not therefore ant fees accrued need to be retracted | Company believes it acted appropriately as authorized by contract or law | Atlanticus Services Corporation | CA | XXXXX | null | Consent provided | Web | 11/26/24 | Closed with monetary relief | Yes | null | 10,941,621 |
11/27/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | CA | 92376 | null | Consent provided | Web | 11/27/24 | Closed with explanation | Yes | null | 10,950,895 |
11/01/24 | Credit card | General-purpose credit card or charge card | Getting a credit card | Card opened without my consent or knowledge | On XX/XX/year>, a Capital One Credit Card was opened fraudulently with my Social Security Number. I was notified by XXXX and I confirmed on XX/XX/year> that the account was opened with my Social Security Number. I have attempted to work with Capital One regarding this issue but they have advised me that they cant and wont remove my Social Security Number from the account. I sent Capital One documents as well that prove my Social Security Number is mine and I sent them a copy of my ID as well. I sent this information to Capital One to help aid an investigation on their end. I also sent the credit bureaus 3 letters advising that my Social Security Number is being used in a fraudulent and unauthorized manner. I am requesting a thorough investigation into this matter as Capital One is allowing an account to stay opened with my Social Security Number and have confirmed that they will not investigate or open a fraud complaint regarding this event. | null | CAPITAL ONE FINANCIAL CORPORATION | TX | 79407 | null | Consent provided | Web | 11/01/24 | Closed with explanation | Yes | null | 10,660,494 |
11/30/24 | Credit card | General-purpose credit card or charge card | Getting a credit card | Card opened without my consent or knowledge | Just received unsolicited card. See attached I've been reading about scams increasing this time of year.
I don't want the card and am very concerned about my personal data the sender already has.
Please see attached | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | MN | 55112 | Older American, Servicemember | Consent provided | Web | 12/02/24 | Closed with non-monetary relief | Yes | null | 10,980,621 |
11/06/24 | 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 | 90002 | null | Consent provided | Web | 11/06/24 | Closed with non-monetary relief | Yes | null | 10,718,528 |
11/21/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXX XXXX XXXX XXXX It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX XXXXXXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than XXXX days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NJ | 08865 | null | Consent provided | Web | 11/21/24 | Closed with non-monetary relief | Yes | null | 10,852,054 |
12/06/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with fraud alerts or security freezes | null | I havent checked my credit report in a while and realized that I had a lot of hard inquiries that I did not do, XXXX XXXX XXXX on XXXX XXXX XXXX was the hard inquiry I dont even know what it is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of this hard inquiries were not made by me, Im thinking is when I lost my if and social was around the time this were made, and was just noticing these, | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | TX | 77545 | null | Consent provided | Web | 12/06/24 | Closed with explanation | Yes | null | 11,051,552 |
12/02/24 | Credit card | General-purpose credit card or charge card | Trouble using your card | Can't use card to make purchases | Card was compromised by fraud on XX/XX/year>.
I do not accept text notifications ; thus a fraud notification was not sent.
Card was locked shortly after the fraud.
I called the toll-free number listed on the back of the card.
I was unable to access the IVR because the card was locked ; I was auto-transferred to the fraud dept. IVR.
The fraud dept. IVR would not verify me and would not allow me to request a representative for help.
The fraud dept. IVR eventually timed out with the message to dial ( the same number ).
I was only able to speak with a Credit Card rep by begging my Credit Union to use their direct line and conference me into the call.
The fraud was resolved, but there is no acknowledgement that the system has a flaw. And they are not taking any action to resolve and ensure I can speak directly to them when/if there is fraud on my card. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | TX | 77546 | null | Consent provided | Web | 12/02/24 | Closed with explanation | Yes | null | 10,994,108 |
11/11/24 | 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 these accounts that are not mine and are inaccurate. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting.
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 XXXXXX/XX/XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
I have attached the following : Driver 's License Current Utility Bill Social Security Card Theft Report | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | WI | 53206 | null | Consent provided | Web | 11/11/24 | Closed with non-monetary relief | Yes | null | 10,755,508 |
11/12/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | On XX/XX/2024, I submitted a goodwill request to XXXX, XXXX, and TransUnion, seeking the removal of several late payment entries on my credit report as a gesture of goodwill and for verification of accuracy under the Fair Credit Reporting Act ( FCRA ). My request was based on my right to fair and accurate reporting, as mandated by FCRA and related U.S. Code provisions, including : 15 U.S.C. 602 : Declares the purpose of FCRA to ensure accuracy, fairness, and privacy of information in consumer reporting.
15 U.S.C. 1681 ( Section 604 ) : Grants consumers the right to request information used in credit reports and mandates credit reporting agencies to ensure accuracy and fair reporting.
15 U.S.C. 1666B : Establishes rules on how credit information must be reported, allowing consumers to dispute inaccuracies and requiring the removal of unverifiable information.
Despite sending certified letters, I have not received confirmation of receipt or a response from XXXX and XXXX. Additionally, XXXX has continued to request duplicate documents that I have already provided, which feels like an intentional delay and obstruction of my right to timely dispute resolution under 15 U.S.C. 1681i. This section requires credit bureaus to investigate disputes within 30 to 45 days and inform the consumer of the results.
In my original request, I specifically asked each bureau to provide documentation proving the accuracy of each reported late payment, including : Payment records from the creditor showing the due date and receipt date for each payment.
Account statements and billing history for the dates in question.
Communication records regarding any notifications of missed or late payments.
Date-specific verification for each late payment reported.
I am requesting CFPB assistance to ensure that XXXX, XXXX, and TransUnion fulfill their legal obligation to provide this verification or, if they can not, to remove these items from my credit report. These unverified entries are negatively impacting my credit standing, despite my commitment to improving my financial history.
Thank you for your attention to this matter. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MD | 20902 | null | Consent provided | Web | 11/12/24 | Closed with non-monetary relief | Yes | null | 10,769,556 |
11/11/24 | 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 | XXXX XXXX XXXX XXXX Account # XXXX - All Late payments Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between the company and myself | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 122XX | null | Consent provided | Web | 11/11/24 | Closed with non-monetary relief | Yes | null | 10,746,721 |
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 | 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.
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 34953 | null | Consent provided | Web | 11/22/24 | Closed with non-monetary relief | Yes | null | 10,882,069 |
11/06/24 | 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 | 60612 | null | Consent provided | Web | 11/06/24 | Closed with non-monetary relief | Yes | null | 10,700,765 |
11/09/24 | 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 | After inspecting my credit report, I noticed a mistake. The three credit bureaus are required to validate this account per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).
Reporting unverified information without proof within the legal period is not allowed.
Please investigate and correct the account listed on my credit report : XXXX XXXX XXXX : {$230000.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NJ | 080XX | null | Consent provided | Web | 11/09/24 | Closed with non-monetary relief | Yes | null | 10,729,435 |
11/22/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am writing to formally report that I am a victim of a data breach, which has resulted in fraudulent accounts appearing on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following accounts : Fraudulent Accounts : 1. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$83000.00} XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | VA | 230XX | null | Consent provided | Web | 11/22/24 | Closed with non-monetary relief | Yes | null | 10,881,781 |
11/08/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.
I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.
I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .
DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | SC | 29730 | null | Consent provided | Web | 11/08/24 | Closed with non-monetary relief | Yes | null | 10,729,993 |
12/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX
XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX, XXXX XXXX XX/XX/XXXX -- {$3300.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | LA | 70791 | null | Consent provided | Web | 12/20/24 | Closed with explanation | Yes | null | 11,236,571 |
11/14/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts 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 this item from my consumer report | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | SC | 29485 | null | Consent provided | Web | 11/14/24 | Closed with non-monetary relief | Yes | null | 10,805,429 |
11/08/24 | 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 | I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | MD | 21234 | null | Consent provided | Web | 11/08/24 | Closed with non-monetary relief | Yes | null | 10,734,651 |
11/08/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.
Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.
Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.
Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 917XX | null | Consent provided | Web | 11/08/24 | Closed with non-monetary relief | Yes | null | 10,734,642 |
11/08/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX RE : Dispute Authorization and Multiple Violations of Fair Credit Reporting Act I, XXXX XXXX, hereby authorize this dispute. It is important to note that this dispute was not sent by an unauthorized third party or \ '' XXXX XXXX.\ '' I am writing to address several violations of the Fair Credit Reporting Act ( FCRA ) that have occurred, which require your immediate attention and resolution. The violations are as follows : FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : You are reporting fraudulent accounts on my credit report that do not belong to me, thus infringing upon my privacy rights. I have the sole authority to determine what information should be considered private. I insist that my hard inquiries and account information not be shared on my credit report.
FCRA Section 623 ( a ) ( 2 ) - Misleading False Reporting : The information you are reporting falsely suggests that I applied for multiple inquiries and accounts, when in reality, these were the result of a scammer\ 's actions. Such false reporting misleads future creditors. By reporting these unverified items, you violate the Fair Credit Reporting Act ( FCRA ) and fail to comply with its fairness requirements.
FCRA Section 616 - Civil Liability for Willful Noncompliance : You accepted credit information about me without verifying its accuracy firsthand. This willful noncompliance is punishable by civil liability of up to {$1000.00} per violation.
FCRA Section 605B - Aggravated Identity Theft : You shared my personal information with numerous creditors without obtaining my consent, making you criminally liable for aggravated identity theft, which carries a penalty of up to 2 years of imprisonment.
FCRA Section 603 ( d ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information : You failed to disclose my right to opt out of sharing my personal information. This omission was deceptive and a violation of my consumer rights.
FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms : You furnished inaccurate inquiries and accounts without proper validation, potentially violating Generally Accepted Accounting Principles ( GAAP ). Reporting such inaccurate information is deceptive.
Violation of Debt Collection Practices Act : You engaged in unfair practices and harassment by reporting inaccurate debts and accounts without my consent, causing me distress and unnecessary contact from creditors.
1 of 3 Violation of Identity Theft Laws : Creditors obtained my information without my true consent and used it to obtain credit from other financial institutions, constituting identity theft.
Violation of Acquiring Location Information Regulations : Debt collectors contacted third-party credit reporting agencies with my information, stating that I owed a \ '' debt.\ '' This is a clear violation of regulations that prohibit disclosing debt information to third parties.
Violation of Timely Payments Regulations : You reported \ '' late payments\ '' on my credit report without defining what constitutes a late payment, which is deceptive and inaccurate.
Violation of Finance Charge Determination : You failed to accurately determine finance charges, which is your responsibility as a credit reporting agency.
Violation of Credit Report Permissible Purposes : You reported information on my credit report without obtaining my written consent, which is a violation of the permissible purposes outlined in the Fair Credit Reporting Act ( FCRA ).
I, XXXX XXXX, demand that you take immediate action to address these violations. I request the following actions : XXXX - XXXX - Under 15 USC 1666b , this late payment entry is a violation. I have been incorrectly billed. - Please update the status of this account to " paid on time. '' XXXX XXXX XXXX XXXX - XXXX - Under 15 USC 1666b , this late payment entry is a violation. I have been incorrectly billed. - Please update the status of this account to " paid on time. '' XXXX - XXXX - This account needs to be validated. - Remove on my report immediately!
XXXX XXXX XXXX - XXXX - This account needs to be validated. - Remove on my report immediately!
XXXX - XXXX - This account needs to be validated. - Remove on my report immediately!
XXXX XXXX - XXXX - This account needs to be validated. - Remove on my report immediately!
XXXX XXXX XXXX - XXXX - This account needs to be validated. - Remove on my report immediately!
XXXX - XXXX - This account needs to be validated. - Remove on my report immediately!
XXXX XXXX XXXX - XXXX - This account needs to be validated. - Remove on my report immediately!
XXXX - XXXX - This account needs to be validated. - Remove on my report immediately!
XXXX - XXXX - This account needs to be validated. - Remove on my report immediately!
XXXX - XXXX - This account needs to be validated. - Remove on my report immediately!
XXXX XXXX - XXXX - This account needs to be validated. - Remove on my report immediately!
XXXX - XXXX - This account needs to be validated. - Remove on my report immediately!
Remove all fraudulent and inaccurate accounts from my credit report.
Block any information resulting from identity theft, as required by FCRA.
I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to pursue legal remedies available under the Fair Credit Reporting Act.
Sincerely, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11213 | null | Consent provided | Web | 11/08/24 | Closed with non-monetary relief | Yes | null | 10,732,522 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Consumer Name : XXXX XXXX, Consumer SSN : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in a couple of fraudulent accounts appearing on my consumer FICO credit report. I've attached documents with the accounts in question maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts on my credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MS | 388XX | null | Consent provided | Web | 11/21/24 | Closed with non-monetary relief | Yes | null | 10,865,200 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$18000.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | WV | 26505 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,861,203 |
11/14/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by transunion. I believe these late payments are erroneous and do not accurately reflect my payment history.
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666b ), as they misrepresent my creditworthiness.
Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.
Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.
I will escalate this matter to the CFPB, citing articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), which provide liability for willful and negligent noncompliance, respectively. These statutes allow for damages, including actual damages, attorneys fees, and possible civil penalties for failure to comply with the Act 's requirements.
The account is XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 34771 | null | Consent provided | Web | 11/14/24 | Closed with non-monetary relief | Yes | null | 10,795,179 |
11/21/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXXXXXX XXXX XXXX account Number : XXXX Has reported that my account has been charged-off while continuing to report a balance. According to the IRS Code ( Internal Revenue Code - IRC, 6050P ), when a debt is canceled and claimed as a loss, a 1099-C form should be issued to declare that cancellation as taxable income. I have not received such a form.
and still continue to report an outstanding balance to the credit bureaus, which constitutes a violation of the FCRA.
And also, I believe that the information currently reported is inaccurate and potentially incomplete, violating the requirements established under the FCRA, 15 U.S.C. 1681e ( b ), which mandates that all entries in credit reports must be complete, accurate, and verifiable.
The balance of {$5100.00} exceeds the original credit limit of {$4500.00}. This needs to be clarified, as it could represent unauthorized interest or fees beyond the original terms of the agreement.
In previous disputes, no evidence was provided to substantiate the accuracy of the reported data. I request that you initiate a detailed investigation with XXXX XXXX to confirm the validity of this information. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 180XX | null | Consent provided | Web | 11/21/24 | Closed with non-monetary relief | Yes | null | 10,852,075 |
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 | XXXXX | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,849,754 |
12/08/24 | Student loan | Private student loan | Issue with income share agreement | Dealing with provider of income share agreement | I applied to the program XXXX XXXX and quickly withdrew from the program after 3 weeks because it felt like a scam. I do not remember signing a contract that said anything about an XXXX and I also have no access to the contract or any other documentation that would state what I owe. All I got was a threatening email from their lawyer XXXX XXXX from XXXXXXXX XXXX XXXX saying that I should re enroll into the program or pay the amount I owe in full which was XXXX and I have no idea if any interest has been accrued and I am afraid of this. I now got an email to create an account for UNISA to pay the XXXX but again I withdrew from the program ( XXXX XXXX XXXX ) after 3 weeks. I don't know what to do. The company is clearly a scam and has been threatening me legally and I am worried. I am worried about creating an account with UNISA and they have more access to my information and also that I may owe even more. I need help and have nowhere else to turn to. | Company believes the complaint provided an opportunity to answer consumer's questions | Unisa, Inc | FL | 33837 | null | Consent provided | Web | 12/08/24 | Closed with explanation | Yes | null | 11,065,949 |
11/14/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Was not notified of investigation status or results | XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXX XXXX Account Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my XXXX mortgage account, reported by TransUnion. I previously filed a dispute regarding these discrepancies, yet no corrections have been made to reflect the accurate payment history. This letter serves as a second dispute request, and I am asking for a full investigation in compliance with the Fair Credit Reporting Act ( FCRA ), as per 15 USC 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must conduct a thorough investigation upon receiving a consumer dispute.
Summary of Discrepancies Upon reviewing my payment records, I found no late payments on this account, yet each bureau reports different late payment dates : TransUnion and XXXX report late payments in XXXX and XX/XX/XXXX, as well as XXXX, XXXX, and XX/XX/XXXX.
XXXX shows XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
These discrepancies violate the FCRAs accuracy requirement and negatively impact my credit score. Therefore, I request a full investigation of these entries and a correction to accurately reflect a Paid As Agreed Never Late status.
Request for Documentation and Investigation Process Pursuant to 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I request a detailed description of the investigation process your agency conducted for this dispute, as required by the FCRA. Additionally, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), I request that all transactional information regarding this account be reviewed for accuracy.
Furthermore, please provide in writing the procedures in place, as per 15 USC 1666 ( b ), ensuring timely issuance of periodic statements. Should your agency be unable to provide valid evidence of these late payments, I demand that the account be updated to Paid As Agreed Never Late. In the absence of verifiable proof, I expect immediate rectification to maintain the accuracy of my credit report.
Reference to PAANL ( Paid As Agreed Never Late ) Given my record of consistent on-time payments, this account should reflect a Paid As Agreed Never Late status. This correction is essential to accurately represent my commitment to financial responsibility.
Thank you for your prompt attention to this matter. I expect a resolution aligned with the legal obligations outlined by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. Please respond within the FCRAs specified 30-day timeframe.
Sincerely, XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77327 | null | Consent provided | Web | 11/14/24 | Closed with non-monetary relief | Yes | null | 10,796,537 |
11/14/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim.
Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.
The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information.
Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine.
I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation.
Thank you. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 34771 | null | Consent provided | Web | 11/14/24 | Closed with non-monetary relief | Yes | null | 10,796,569 |
11/14/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Was not notified of investigation status or results | XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXX XXXX Account Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my XXXXXXXX XXXX account, reported by TransUnion. I previously filed a dispute regarding these discrepancies, yet no corrections have been made to reflect the accurate payment history. This letter serves as a second dispute request, and I am asking for a full investigation in compliance with the Fair Credit Reporting Act ( FCRA ), as per 15 USC 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must conduct a thorough investigation upon receiving a consumer dispute.
Summary of Discrepancies Upon reviewing my payment records, I found no late payments on this account, yet each bureau reports different late payment dates : TransUnion and XXXX report late payments in XXXX and XX/XX/XXXX, as well as XXXX, XXXX, and XX/XX/XXXX.
XXXX shows XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
These discrepancies violate the FCRAs accuracy requirement and negatively impact my XXXXredit score. Therefore, I request a full investigation of these entries and a correction to accurately reflect a Paid As Agreed Never Late status.
Request for Documentation and Investigation Process Pursuant to 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I request a detailed description of the investigation process your agency conducted for this dispute, as required by the FCRA. Additionally, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), I request that all transactional information regarding this account be reviewed for accuracy.
Furthermore, please provide in writing the procedures in place, as per 15 USC 1666 ( b ), ensuring timely issuance of periodic statements. Should your agency be unable to provide valid evidence of these late payments, I demand that the account be updated to Paid As Agreed Never Late. In the absence of verifiable proof, I expect immediate rectification to maintain the accuracy of my credit report.
Reference to PAANL ( Paid As Agreed Never Late ) Given my record of consistent on-time payments, this account should reflect a Paid As Agreed Never Late status. This correction is essential to accurately represent my commitment to financial responsibility.
Thank you for your prompt attention to this matter. I expect a resolution aligned with the legal obligations outlined by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. Please respond within the FCRAs specified 30-day timeframe.
Sincerely, XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77327 | null | Consent provided | Web | 11/14/24 | Closed with non-monetary relief | Yes | null | 10,796,539 |
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 | My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77520 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,857,739 |
11/14/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A.States I have the rights 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 1681 ( a ) ( 5 ) Section States : no consumer Reporting agency may make any consumer report containing any of the following items of Information Any other adverse item of information other than records of convictions of crimes Which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting Knows or has reasonable causes 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. | NY | 14621 | null | Consent provided | Web | 11/14/24 | Closed with explanation | Yes | null | 10,798,083 |
11/07/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Investigation took more than 30 days | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 196XX | null | Consent provided | Web | 11/07/24 | Closed with non-monetary relief | Yes | null | 10,706,329 |
11/22/24 | 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 Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!
I demand the late payment to be updated.
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.
This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Update the late payments from my consumer reports | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 90703 | null | Consent provided | Web | 11/22/24 | Closed with non-monetary relief | Yes | null | 10,893,029 |
12/16/24 | 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 | Experian Information Solutions Inc. | MI | 480XX | null | Consent provided | Web | 12/16/24 | Closed with non-monetary relief | Yes | null | 11,169,297 |
12/16/24 | Credit card | General-purpose credit card or charge card | Improper use of your report | Credit inquiries on your report that you don't recognize | I received a notification that I had a hard inquiry on my credit from XXXX. I contacted all credit bureaus and let them know. I also placed a freeze on my credit. I tried contacting Citi Banks to let them know I didnt apply for anything and that I believed someone stole my identity. I couldnt reach a live person on the phone due to to the automatic system not being about to verify my current home address with the last XXXX numbers of my social and date of birth. The next day I received an email from XXXX that I would receive a credit card with a line of credit of {$11000.00}. I tried to cancel the card but again I couldnt speak to someone due to the automatic system being able to identify me. I couldnt create an account online to try to stop the credit card before someone had received it but couldnt due to all my information not matching. I was finally able to reach a person on the phone from Citi Banks and explained that at this point someone was going to receive a credit card that I didnt apply for/ want. They were able to supposedly cancel the card and close the account and send me an email with that information. I never received an email in regards to this matter. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | TX | 76036 | Servicemember | Consent provided | Web | 12/16/24 | Closed with non-monetary relief | Yes | null | 11,169,902 |
12/07/24 | Credit card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | To Whom It May Concern, I am writing to file a complaint with Citibank. I have been with Citibank for several years now and have nothing if not outstanding accounts with this bank. I have two credit cards, both with very high limits as earned through loyalty, personal credit, and history with the bank. I always pay my credit cards in-full and on time each month. The checking accounts I had are closed now as you will see below, but they were open and with good standing as well until the past few months due to ongoing disputes with the bank.
Last XXXX, XXXX, I sought a large personal loan of $ XXXX. As you can imagine, it is not easy to find a lender willing to give this amount of money. Through searching over months, I was able to locate a lender in XXXX. This lender is the XXXX XXXX XXXX, which is the largest, and basically only bank in XXXX. This lender agreed to lend me the $ XXXX once all due diligences were paid. I first worked with the attorney of this transaction who secured from me roughly {$20000.00}. I then moved to the next step of due diligence on the loan which was roughly {$140000.00}. Ultimately, this turned out to be a scam. XXXX XXXX XXXX XXXXXXXX is very real, but the impersonators offering the loan, unfortunately, are not.
Before I paid any funds to the scam, I confirmed two things. One, I contacted a due diligence partner in XXXX who confirmed that everything looked legitimate from their offerings. I do not know this company other than they were recommended to me by a partner of mine in the XXXX. The second, and most important thing I did, was contact Citibank. I explained my concerns to them that in the case this is a scam, I need recourse. I suggested making payment through XXXX and let the funds hit my credit card or through my checking account, letting the funds hit my debit card. I was told on the phone, multiple times, that YES, if this funds hit a CARD, regardless which one, this would be traceable and I would be able to dispute the funds should an issue arise and receive full credit with documentation.
Of course, making roughly {>= $1,000,000} in payments with credit card and debit card limits took several months. I paid the lenders diligently as you will see in the emails attached. Each day they asked me where to send the funds and for what amount as well as confirming the funds were received. Overall, this was over XXXX transactions to get these funds to the lender, but only a few XXXX accounts received the funds, as you will see in the emails attached.
The moment I realized finally that this was a scam, I contacted Citibank. I filed all disputes on my credit cards online and called in for my checking account and spoke with a representative for almost two hours.
Once the disputes were filed, I sent all required information in. Citibank asked me to send as much documentation showing this was scam. There are roughly XXXX pages attached to this complaint, and all of these were sent to Citibank for all of the associated disputes. To date, I have received some of the funds back, several XXXX. But Citibank refuses to send the remaining amounts. Once I started getting letters on these disputes saying they could not get the funds back, I called Citibank. I was told that what I was missing is a slip saying the XXXX lender owed the funds back. I explained that I have sent the form showing that this lender in XXXX stated if I did not receive my funds, they would refund all of the {$160000.00}. This person was very patient and took time to review the file ( possibly the only person who reviewed the file ) and we found that the refund forms did not come through as they are yellow. So, I copied them on to white, resent, and the representative confirmed they came through.
At this point, I thought nothing else could stand in the way of getting back the funds I was rightly owed. I received a few more refunds in my favor, was denied others, and others are still open. I called in again, and I was told that the person on the phone can only tell me that the case was denied, and some were approved. Each case has its own reviewer. I dont understand why this is done this way. Why would over XXXX cases have a different reviewer of XXXX pages? This seems like a large and inefficient process when ONE person could review and make a decision. The person on the phone told me that yes, the information I sent worked and I was awarded the funds back. So my question is, how is the information I sent enough for one or several of the disputes to be won in my favor, but not enough on the others? The charges are all the same, each person I was asked to pay is outlined in the emails. So, again, how could it work for one and not all if there is enough information? I do not think the denied cases took time to review my XXXX pages of detailed documentation showing this was a scam. For those who did review, I am appreciative, and again, that should apply to ALL cases.
I have called Citibank several times to follow up and they tell me a different excuse each time. Either they say I will have an answer in 5 days and nothing comes. Or they say the case was denied and I received a letter which never came. The disputes are still open. I think Citibank is purposefully withholding these funds because of the amount although I confirmed with them that they would be able to get my funds back and you also can see they have allowed some of them back. Again, if they have enough documentation for some, they have enough for all disputes.
An additional note - These charges were all given back as temporary charges and then removed as I understand how a dispute works. Except in the cases where these disputes were approved, all funds were charged back to me. In one instance, one of the charges caused my checking account to be withdrawn by {$2200.00}. I received a call from Citibank asking for the funds and I explained the full scenario. They were very pleasant on the phone and apologized and noted the file that I was working with the dispute department. About a month later, I started receiving calls again so I called them back. They noted the file again and stated all was well. A couple of days later the accounts were closed. Citibank closed my accounts and charged the accounts off after agreeing that they would not.
In addition to my funds fully returned. I would like my accounts reinstated.
Below is the latest email sent to Citi - Amount in Dispute - Total {$160000.00}, each transaction is {$4100.00} or {$3000.00} or {$2900.00} Name of Merchant - There are multiple merchants, including ( and most likely ) but not limited to XXXX XXXX, XXXX XXXX, XXXX, or XXXX.
Please give a detailed explanation of the reason you are disputing this transaction - This information has all been emailed, over XXXX pages. However, I understand there are XXXX pages that can not be read and these are the confirmation pages stating they will refund my full {$160.00}. The first XXXX pages are the first time I asked for a guarantee and that amount was {$120000.00}. Therefore, I continued to send as requested. I once again asked for guarantee which is also attached here of ALL FUNDS paid of {$160000.00}. I have here the confirmation pages only as you should have the extensive XXXX pages of information and proof showing this is a scam. This interaction began on XX/XX/XXXX. I was contacted by XXXX XXXX through XXXX. XXXX introduced me to XXXX XXXX XXXX who was supposedly approving and securing a loan for me through the XXXX XXXX XXXX XXXX XXXX XXXX ) and the XXXX which is XXXX of the largest lenders in XXXX. You will see in the email threads that I was asked to pay over {$160000.00}. I contacted Citi and asked the process for filing disputes against this vendor if needed which is why I chose to pay these through XXXX- to protect myself. In the previously sent documents, you will also see every single XXXX account I was asked to send money to, on which dates, and their confirmation of receiving the funds which correlates with the disputes you have received on these accounts.
I have attached, again, the confirmation letter stating they would refund the full {$160000.00} to me. And they did not do so.
Furthermore, please note that XXXX other disputes belonging to this same transaction of {$160000.00} have already been refunded in my favor. This a very large amount of money to be without, so I appreciate your haste and attention!
******** ******** ******** ******** ******** ******** ******** ******** ******** ******** ******** ******** ******** ******** ******** ******** ******** ******** ******** ******** ******** ******** Below are the disputes the have been PERMANENTLY CREDITED - *** Disputes returned on checking account XXXX - Case ID XXXX - XXXX through XXXX- Same transaction as all outlined here, different payee.
Case ID XXXX XXXX XXXX XXXX XXXX XXXX- Same transaction as all outlined here, different payee.
XXXX ID XXXX XXXX through XXXX - Same transaction as all outlined here, different payee.
*** Disputes returned on credit cared XXXX - XXXX - XXXX through XXXX - XXXX transaction as all outlined here, different payee.
XXXX - XXXX through XXXX - XXXX transaction as all outlined here, different payee.
XXXX - XXXX through XXXX - XXXX transaction as all outlined here, different payee.
XXXX - XXXX through XXXX - XXXX transaction as all outlined here, different payee.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX transaction as all outlined here, different payee.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX transaction as all outlined here, different payee.
XXXX - XXXX through XXXX - XXXX transaction as all outlined here, different payee.
You can see the above recorded names on the returned amounts are the same as those below that are not returned. Again, if all information was received to justify the ones above, the information has been received to justify the ones below.
******** ******** ******** ******** ******** ******** ******** ******** ******** ******** ******** ******** ******** ******** ******** ******** ******** ******** ******** ******** ******** ******** Below are the deputies that have NOT been returned *** Disputes NOT returned on checking account XXXX - XXXX - Appealed on XX/XX/XXXX, Emailed full documentation on XX/XX/XXXX, Emailed Payment Slips on XX/XX/XXXX XXXX - Emailed full documentation on XX/XX/XXXX, XX/XX/XXXX, Emailed Payment Slips on XX/XX/XXXX XXXX - Appealed on XX/XX/XXXX, Emailed Payment Slips on XX/XX/XXXX XXXX - Emailed Payment Slips on XX/XX/XXXX XXXX - Appealed on XX/XX/XXXX, Emailed Payment Slips on XX/XX/XXXX XXXX - Appealed on XX/XX/XXXX, Emailed Payment Slips on XX/XX/XXXX XXXX - Emailed full documentation on XX/XX/XXXX, XX/XX/XXXX, Emailed Payment Slips on XX/XX/XXXX XXXX - Appealed on XX/XX/XXXX, Emailed Payment Slips on XX/XX/XXXX XXXX - Appealed on XX/XX/XXXX, Emailed Payment Slips on XX/XX/XXXX XXXX - Appealed on XX/XX/XXXX, Emailed Payment Slips on XX/XX/XXXX XXXX - Emailed full documentation on XX/XX/XXXX, XX/XX/XXXX, Emailed Payment Slips on XX/XX/XXXX XXXX - Emailed full documentation on XX/XX/XXXX, XX/XX/XXXX, Emailed Payment Slips on XX/XX/XXXX XXXX - Emailed full documentation on XX/XX/XXXX, XX/XX/XXXX, Emailed Payment Slips on XX/XX/XXXX XXXX - Emailed full documentation on XX/XX/XXXX, XX/XX/XXXX, Emailed Payment Slips on XX/XX/XXXX XXXX - Emailed full documentation on XX/XX/XXXX, XX/XX/XXXX, Emailed Payment Slips on XX/XX/XXXX XXXX - Emailed full documentation on XX/XX/XXXX, XX/XX/XXXX, Emailed Payment Slips on XX/XX/XXXX XXXX - Emailed full documentation on XX/XX/XXXX, XX/XX/XXXX, Emailed Payment Slips on XX/XX/XXXX XXXX - Emailed full documentation on XX/XX/XXXX, XX/XX/XXXX, Emailed Payment Slips on XX/XX/XXXX XXXX - Emailed full documentation on XX/XX/XXXX, XX/XX/XXXX, Emailed Payment Slips on XX/XX/XXXX XXXX - Emailed full documentation on XX/XX/XXXX, Emailed on XX/XX/XXXX, Emailed Payment Slips on XX/XX/XXXX XXXX - Emailed full documentation on XX/XX/XXXX, XX/XX/XXXX, Emailed Payment Slips on XX/XX/XXXX XXXX - Emailed full documentation on XX/XX/XXXX, XX/XX/XXXX, Emailed Payment Slips on XX/XX/XXXX XXXX - Emailed full documentation on XX/XX/XXXX, XX/XX/XXXX, Emailed Payment Slips on XX/XX/XXXX XXXX - Emailed full documentation on XX/XX/XXXX, Emailed Payment Slips on XX/XX/XXXX XXXX - Emailed full documentation on XX/XX/XXXX, XX/XX/XXXX, Emailed Payment Slips on XX/XX/XXXX XXXX - Emailed full documentation on XX/XX/XXXX, XX/XX/XXXX, Emailed Payment Slips on XX/XX/XXXX XXXX - Emailed full documentation on XX/XX/XXXX, XX/XX/XXXX, mailed Payment Slips on XX/XX/XXXX XXXX - XXXX XXXX Emailed full documentation on XX/XX/XXXX, XX/XX/XXXX, Emailed Payment Slips on XX/XX/XXXX XXXX - XXXX Emailed full documentation on XX/XX/XXXX, XX/XX/XXXX, Emailed Payment Slips on XX/XX/XXXX XXXX - XXXX Emailed full documentation on XX/XX/XXXX, XXXX, Emailed Payment Slips on XX/XX/XXXX XXXX - XXXX Emailed full documentation on XX/XX/XXXX, XX/XX/XXXX, Emailed Payment Slips on XX/XX/XXXX XXXX - XXXX Emailed full documentation on XX/XX/XXXX, XX/XX/XXXX, Emailed Payment Slips on XX/XX/XXXX XXXX - XXXX XXXX C - XXXX Emailed full documentation on XX/XX/XXXX, XX/XX/XXXX, Emailed Payment Slips on XX/XX/XXXX XXXX - Emailed Payment Slips on XX/XX/XXXX XXXX XXXX Appealed on XX/XX/XXXX, mailed Payment Slips on XX/XX/XXXX XXXX - Emailed Payment Slips on XX/XX/XXXX XXXX - Emailed full documentation on XX/XX/XXXX, Emailed on XX/XX/XXXX, XX/XX/XXXX, Emailed Payment Slips on XX/XX/XXXX *** Disputes NOT returned on credit card XXXX - XXXX - Still says We received your documents in the Dispute Center. When I call, Citibank says I will have an answer with in 5 days.
XXXX - Still says We received your documents in the Dispute Center. When I call, Citibank says I will have an answer with in 5 days.
I am seeking every transaction be returned to me in my checking accounts and credit cares as there is ample documentation supporting my request.
There is one charge I have not been able to dispute. This charge was on XX/XX/XXXX on credit card XXXX in the amount of {$1100.00}, which I would also like returned to me.
I feel Citibank is deliberately not reviewing the open cases and is pushing me around until a magical date. This is not only unethical, but seems highly illegal. Please review this case and remedy the results of my funds back into my accounts. Additionally, I would like interest on this amount. My XXXX XXXX accounts, similar to the offering of Citibank is paying an APY of 3.90 %. Being that Citibank is deliberately withholding these funds, I would like interest of {$6500.00} paid as well.
Thank you for your time and review. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | NC | 27410 | null | Consent provided | Web | 12/07/24 | Closed with non-monetary relief | Yes | null | 11,069,757 |
12/10/24 | Credit card | General-purpose credit card or charge card | Fees or interest | Problem with fees | THIS COMPANY IS SYSTEMATICALLY REFUSING TO AND MAKING IT DIFFICULT / NEARLY IMPOSSIBLE FOR CUSTOMERS TO EXERCISE THEIR RIGHT TO REJECT CHANGE IN TERMS ON THE ACCOUNT. SEVERAL AGENTS ARE ALSO REFUSING TO PROVIDE ID NUMBERS FOR EACH OF THEIR PHONE REPRESENTATIVES.
1. I have had a credit card with " Prosper '' for approximately two years.
2. They claim that there was a XXXX dollar fee as part of my initial terms. ( I asked representative, XXXX, for a copy of these terms, which she said she could not provide. Also the terms are not available on the App or mobile website, which are both malfunctioning. ) XXXX. On XX/XX/XXXX, I received an email stating there would be a new annual fee of XXXX dollars, but that I could call to reject the change in terms.
# # # # Important Changes to Your Account Terms The following is a summary of the changes being made to your account terms. These changes will take effect on XX/XX/XXXX. For more detailed information, please refer to the Prosper Cardholder Agreement available in your document library.
You have the right to reject these changes. However, if you choose to reject them, you will no longer be able to use your account for new transactions. To reject these changes, please contact us at XXXX.
Annual Fee Revised Terms, as of XX/XX/XXXX Annual Fee {$59.00} Purchase APR and Cash Advance APR Your numerical Purchase APR and Cash Advance APR are not changing and will continue to vary with the Prime Rate, but a limit is being added such that these APRs will not exceed 36 %.
Revisions to the Arbitration Agreement Provision We have updated the Arbitration Agreement.
Your Prosper Cardholder Agreement will be amended and restated as indicated in the revised agreement available in your document library as of XX/XX/XXXX. Thank you for your continued business. Should you have any questions, please reach out to our customer service team.
# # # # 4. On today, XXXX XXXX, XXXX, I called ( XXXX ) XXXX to reject the change in terms.
5. Spoke with a representative, XXXX, who said they could not process the rejection and needed to transfer me to customer service.
6. Spoke with a representative in Customer Service, XXXXXXXX XXXX XXXXXXXX. He asked me what change in terms I was talking about. I explained and he confirmed the proposed change. I said I reject, I reject, I reject. He refused to process my rejection of the change and said " There's nothing I can do. '' He therefore violated my rights. I asked for a supervisor.
7. Spoke with XXXX, XXXX, Customer Service, ID XXXX. She agreed that I was right and that the agent was wrong. I again rejected change in terms, which she confirmed and said they were closing the acct. and sending me a letter.
8. I asked XXXX for the agent name and ID for the first person with whom I spoke. She said it was Collections Dept. She put me on hold and asked Collections Dept. for the information, then came back and said they refused to provide the information because I was not asking about a collections issue ( how is the identity of their collections agents not a collections issue? ) 9. I asked for a supervisor in Collections.
XXXX. XXXX transferred me to XXXX, a representative in Collections, who refused to provide ID number ; XXXX said XXXX would transfer me to supervisor. I asked if I could have a ticket number in lieu of an ID number so I could identify him in my record of this call. He said ticket # was XXXX, that the ticket had been created by XXXX, and said he could be identified from the ticket number ( which I do not believe ). I asked XXXX for Supervisor.
11. He refused to transfer to supervisor, stating that none was available. He did provide me with the name of the agent in Collections ( XXXX ) with whom I originally spoke, but not her ID. I said I would stay on line until a supervisor came on the line. He disconnected the call.
12. Called back and spoke with XXXX ( department unclear ), who refused to provide ID. Asked for supervisor.
13. Supervisor, XXXX, said she was the same person with whom I previously spoke. I said I was still trying to get the ID numbers for the agents in Collections with whom I previously spoke. She said she would have to transfer me back to Collections to start over again..
14. Spoke with XXXX, ID XXXX / XXXX ( has XXXX different ID numbers ) in Collections, who said no supervisors were available because they were in " transition '' - that they were being trained/ were in training. He said that one would call me back. He said he could not provide ID numbers for the other previous agents who had refused to provide them. Ticket # XXXX. He said would receive call back in 48 hours. I asked what if I'm not available, would they try again? He said he did not know. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Prosper Marketplace, Inc. | GA | 30314 | null | Consent provided | Web | 12/10/24 | Closed with explanation | Yes | null | 11,096,862 |
12/13/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I have experienced numerous unauthorized hard inquiries from lenders on my credit report. I suspect these inquiries are linked to a series of data breaches that I was involved in, including breaches from XXXX and other businesses. Additionally, my credit monitoring services frequently notify me that my personal information, such as my accounts, may have been compromised and is appearing on the dark web. I believe this exposure has resulted in the unauthorized use of my information. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | ACRANET INC | MS | 39212 | null | Consent provided | Web | 12/13/24 | Closed with explanation | Yes | null | 11,149,416 |
11/14/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Investigation took more than 30 days | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AL | 35215 | null | Consent provided | Web | 11/14/24 | Closed with non-monetary relief | Yes | null | 10,805,325 |
11/22/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I've recently pulled my credit report and have noticed a few inquiries that were not authorized. I've been a victim of identity theft and have filed a report with FTC that I will attach. The following inquiries were not authorized ; 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. | GA | 30339 | null | Consent provided | Web | 11/22/24 | Closed with non-monetary relief | Yes | null | 10,894,021 |
11/22/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | There are unauthorized inquiries on my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | DE | 19977 | null | Consent provided | Web | 11/22/24 | Closed with explanation | Yes | null | 10,898,489 |
11/07/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status 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. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 32765 | null | Consent provided | Web | 11/07/24 | Closed with explanation | Yes | null | 10,710,542 |
12/13/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I was contacted through email by TRUEACCORD an affiliate of XXXX XXXX XXXX about a debt that doesn't belong to me. I have previously filed complaints against XXXX XXXX XXXX for Improper use of credit reports and reporting and it was removed from my credit report they are still attempting to collect through an affiliate I have no written or oral contract with this company. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TrueAccord Corp. | IL | 61401 | null | Consent provided | Web | 12/15/24 | Closed with explanation | Yes | null | 11,147,812 |
11/08/24 | 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 am listing accounts 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 has hurt 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. | TX | 770XX | null | Consent provided | Web | 11/08/24 | Closed with non-monetary relief | Yes | null | 10,738,419 |
11/08/24 | 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 am listing accounts 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 has hurt 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. | TX | 75078 | null | Consent provided | Web | 11/08/24 | Closed with explanation | Yes | null | 10,738,449 |
11/08/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77074 | null | Consent provided | Web | 11/08/24 | Closed with explanation | Yes | null | 10,738,609 |
11/22/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | 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. | SC | XXXXX | null | Consent provided | Web | 11/22/24 | Closed with non-monetary relief | Yes | null | 10,902,715 |
11/22/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | 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. | SC | 29403 | null | Consent provided | Web | 11/22/24 | Closed with non-monetary relief | Yes | null | 10,902,526 |
12/11/24 | Credit card | Store credit card | Closing your account | Can't close your account | I applied for a Wayfair credit card some time in XX/XX/year> but never received a physical credit card in the mail. I called Wayfair customer Service to cancel my account to which they told me to call Citi Bank instead. I called Citi Bank but they were unable to help cancel my account as well. Wayfair told me that they need me to verify my account but can only do it by sending me a verification document via mail/phone call. However, I never received any mail or phone call from them. I call customer service back and they tell me the same thing, " to wait for a verification from mail/phone call ''. I have called back 4 times and they have me on a loop. I tried to ask them which address they are mailing the verification to and the phone number but they are telling me they can not disclose this information to me. I can not verify since I never receive anything, and they can not cancel my account until I am able to verify my account. Customer service does not offer any more help than " wait for a verification '' that never comes. I no longer want Wayfair/Citi Bank credit card under my credit but have no way of cancelling the card. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | GA | 30030 | null | Consent provided | Web | 12/11/24 | Closed with explanation | Yes | null | 11,115,315 |
11/14/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I found errors in my credit report, with late payments that contradict my payment history. Kindly fix these and update my account. Much appreciated! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33071 | null | Consent provided | Web | 11/14/24 | Closed with non-monetary relief | Yes | null | 10,805,926 |
11/22/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again.
Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.
Late Payment XXXX XXXX XXXX XX/XX/year> | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AK | 99508 | null | Consent provided | Web | 11/22/24 | Closed with non-monetary relief | Yes | null | 10,903,059 |
11/06/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | I have been trying to get the collection off of my credit report for months. I have sent in disputes and nothing has changed. I have sent in proof that i myself am the one submitting the request to have this removed. I have filled for a full file disclosure and never received it. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | I.C. System, Inc. | TN | 37013 | null | Consent provided | Web | 11/06/24 | Closed with non-monetary relief | Yes | null | 10,718,033 |
12/11/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Unauthorized injuries made on my credit report : transunion The following accounts reviewed my credit without my knowledge.
XXXX XX/XX/year>, Regional acceptance XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | GA | 30281 | null | Consent provided | Web | 12/11/24 | Closed with explanation | Yes | null | 11,111,572 |
11/14/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | 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. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect.
The accounts below have violated my rights.
15 U.S.C 1681 section 602A. 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 ) ( a ) 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.
I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.
Please delete this items as soon as possible. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 76051 | null | Consent provided | Web | 11/14/24 | Closed with non-monetary relief | Yes | null | 10,805,062 |
11/14/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | XXXX XXXX I paid down my credit card but it has a high balance which which has since been reported i disputed it will all the agencies multiple time but has been unsuccessful getting the information changed balance is showing XXXX paid XXXX and now its XXXX and still reporting XXXX i called the company to get a updated statement but they said the account was sent to someone else but they still accept my payments. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30157 | null | Consent provided | Web | 11/14/24 | Closed with non-monetary relief | Yes | null | 10,805,220 |
11/15/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 75115 | null | Consent provided | Web | 11/15/24 | Closed with explanation | Yes | null | 10,804,555 |