Datasets:

prl90777

/

experimental_deposit_score

like 0

Topic: Large unauthorized credit card transactions | Relevance: 8

Topic: Large unauthorized credit card transactions

11/19/24

Credit card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/year> at XXXX, I received a mobile alert on my phone from Citibank regarding my credit card account. The message on my phone states : Free Msg Citi card Did you attempt {$260.00} at XXXX # XXXX on XXXX? XXXX, XXXX. I immediately responded XXXX. I log online to my account and discovered another transaction that I did not make was made on the same day at XXXX XXXX for {$46.00}. I spoke with XXXX XXXX ( not sure of the name ) and I informed her that neither of those transactions were mine. I also informed her that I never lost my card or loan my card to anyone. She stated the reason we contacted you was because these transactions were suspicious. She further states we can close this account and send you another credit card. She also said due to the suspicious activity, this charge will not be on your account. I received a letter yesterday on XX/XX/year> from Citibank security operation service team. The letter states my dispute is closed and because I stated that the card was in my possession, the remaining balance of {$310.00} will remain on my account. I am requesting a more thorough investigation how this happen and my account return to zero balance.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

CITIBANK, N.A.

NY

10940

Consent provided

Web

11/19/24

Closed with monetary relief

Yes

Topic: Debt collection threats | Relevance: 2

Topic: Debt collection threats

11/18/24

Debt collection

Auto debt

Took or threatened to take negative or legal action

Threatened or suggested your credit would be damaged

According to 15 USC 1692 C ( c ) when a debtor refuses to pay an alleged or valid debt. The creditor must cease and desist all attempts to collect a debt.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

CREDIT ACCEPTANCE CORPORATION

MI

48227

Consent provided

Web

11/18/24

Closed with explanation

Yes

Topic: Dispute over unauthorized credit card charge | Relevance: 5

Topic: Dispute over unauthorized credit card charge

11/22/24

Credit card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

Credit card company isn't resolving a dispute about a purchase on your statement

I was charged XXXX on XX/XX/XXXX from Diners Club for an XXXX XXXX visit on XX/XX/XXXX. They should not have charged me as I have full insurance that paid this claim. I have tried to deal with them several times and sent them the proof that insurance paid, the explanation of benefits, and my insurance company tried to follow up with them as well. They refuse to suspend this amount as they say they dont do that. I dont understand as that is illegal when I have submitted proof that I should not have been charged.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

BMO Bank, N.A.

CA

94117

Older American

Consent provided

Web

11/22/24

Closed with explanation

Yes

Topic: Consumer credit report retrieval issues | Relevance: 1

Topic: Consumer credit report retrieval issues

11/19/24

Credit reporting or other personal consumer reports

Credit reporting

Unable to get your credit report or credit score

Other problem getting your report or credit score

I am sending my request through this being I have sent in a request for my report but Microbilt act as if they never receive my request. " Please see attached ''

Company has responded to the consumer and the CFPB and chooses not to provide a public response

MicroBilt / PRBC (formerly CL Verify)

MO

631XX

Consent provided

Web

11/19/24

Closed with explanation

Yes

Topic: Complaint about inaccurate credit reporting | Relevance: 2

Topic: Complaint about inaccurate credit reporting

10/17/24

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

Dear CFPB, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, against TransUnion for inaccurately reporting late payments and maintaining erroneous information regarding my XXXX XXXX XXXX account # XXXX. Below, I detail the violations and applicable laws : 1. Violation of Payment Timeliness ( FCBA, 15 U.S.C. 1666 ) Under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, creditors are required to correct billing errors, including misreporting of payments made on time. In this case, the credit reporting agencies continue to report late payments without sufficient evidence to substantiate the accuracy of such claims. This failure to provide correct information violates my rights under the FCBA. The agencies have not provided any accurate information to support their reports, which constitutes a violation of the mandatory timelines for correcting billing errors. Legal Consequences : Non-compliance with the FCBA may result in penalties, including statutory damages and legal action by consumers. If proven, this could lead to further penalties and financial liability for failure to correct inaccurate billing records. 2. Billing Error Violation ( FCBA, 15 U.S.C. 1666b ) According to the FCBA, once a billing error is disputed, the creditor must correct it within a set time frame. I have attempted to resolve this issue with TransUnion, but neither the bank nor the credit reporting agencies have adequately addressed the billing errors related to the reported late payments. This represents another violation of the FCBA for failing to investigate and correct billing errors. Legal Consequences : Under the FCBA, failure to investigate and correct billing disputes could result in legal action by the affected consumer, as well as penalties including statutory damages. 3. COVID-19 Reporting Adjustments ( CARES Act ) During the COVID-19 pandemic, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) provided additional protections for consumers who sought financial relief, such as deferred payments or credit modifications. If payments were deferred or modified due to COVID-19, creditors and credit reporting agencies are required to report the account as current, not delinquent. Under the CARES Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), the credit reporting agencies have failed to comply with this provision by continuing to report inaccurate late payment information related to my account, disregarding pandemic-related protections. Legal Consequences : Violations of the CARES Act provisions may expose the reporting agencies and creditors to penalties and enforcement actions by federal agencies, as well as private lawsuits by consumers. 4. False Representation ( FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) Under the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ), information furnishers like XXXX XXXX XXXXXXXX must provide accurate information to credit reporting agencies. By reporting late payments that can not be substantiated or backed with proper evidence, XXXX XXXX XXXXXXXX has made false representations of the facts. Additionally, the credit reporting agencies are responsible under the FCRA for investigating disputes and preventing inaccurate information from remaining on my credit report. Legal Consequences : Violation of these provisions under the FCRA can lead to civil penalties, statutory damages of up to {$1000.00} per violation, and liability for actual damages caused to consumers. Further, if willful non-compliance is proven, punitive damages may also be awarded. 5. Exclusion of Inaccurate Transactions ( FCRA, 15 U.S.C. 1681c ) The FCRA mandates that certain types of unverifiable or inaccurately reported information must be excluded from a consumer 's credit report. In this case, the late payments reported are unverifiable, and under 15 U.S.C. 1681c, should have been excluded from my credit report by the credit reporting agencies, which they have failed to do. Legal Consequences : Non-compliance with this section of the FCRA may result in civil liability, fines, and the potential for private lawsuits, where the affected consumer can seek actual damages, attorney 's fees, and statutory damages. I have attached the relevant documentation and expect that appropriate measures will be taken to correct my credit history without further delay. Next : CC : CFPB ( Consumer Financial Protection Bureau ) Mail CC : XXXX XXXX XXXX CC : Attorney Generals Office CC : State Senate CC : Federal Trade Commission ( FTC ) CC : State Regulatory Agency

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MA

02124

Consent provided

Web

10/17/24

Closed with non-monetary relief

Yes

Topic: Credit report inaccuracies | Relevance: 2

Topic: Credit report inaccuracies

10/18/24

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from 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.

MS

38654

Consent provided

Web

10/18/24

Closed with non-monetary relief

Yes

Topic: Incorrect personal information in credit reports | Relevance: 1

Topic: Incorrect personal information in credit reports

10/17/24

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Personal information incorrect

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

VA

23602

Consent provided

Web

10/17/24

Closed with explanation

Yes

Topic: Dispute of inaccuracies in credit report | Relevance: 2

Topic: Dispute of inaccuracies in credit report

10/18/24

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

78641

Consent provided

Web

10/18/24

Closed with non-monetary relief

Yes

Topic: Incorrect mortgage payments and reversals | Relevance: 3

Topic: Incorrect mortgage payments and reversals

11/01/24

Mortgage

Home equity loan or line of credit (HELOC)

Trouble during payment process

Trying to communicate with the company to fix an issue while managing or servicing your loan

On XX/XX/year>. Shellpoint mortgage credit payments to my mortgage in error {$330.00}, {$120.00} and {$50.00}. I confirmed with servicing that I did not make payments on XX/XX/year>. Shellpoint reversed payments of {$330.00}, {$150.00}, {$50.00} and additionally reversed {$330.00} and {$100.00}. I contacted Shellpoint on several occasions to inform them that they took additional amounts of {$330.00} and {$100.00} on XX/XX/year>. I requested to have the payments reallocate back to my principal balance. Shellpoint has not provided me any written response and automatic system states that investigation has been completed. This has been going on for 2 months now. I am unable to receive results.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Shellpoint Partners, LLC

IL

60914

Consent provided

Web

11/01/24

Closed with explanation

Yes

Topic: Incorrect account status on credit report | Relevance: 1

Topic: Incorrect account status on credit report

10/18/24

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.

MD

21209

Consent provided

Web

10/18/24

Closed with non-monetary relief

Yes

Topic: Dispute over inaccuracies in credit report | Relevance: 2

Topic: Dispute over inaccuracies in credit report

10/17/24

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 sent several letters and none of these companies are providing me with correct verified information. I am attempting to get this resolved one more time before I pursue legal action. My SSN has been used without my authorization!! In addition, all bureaus are in violation! Please see XXXX XXXX of the account listed on my credit report from XXXX. Multiple inaccuracies are highlighted! 1681b ( e ) ( 6 ) - All CRAs must work together and be joined. Notice, it is a fact, this information on my consumer report does not match other consumer reporting agencies shown in XXXX XXXX which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). This account must be removed. Notice, it is a fact, XXXX is aware a consumer reporting agency may furnish a consumer report in accordance with the written instructions from the consumer to whom it relates. Please provide the written instructions that I, the consumer gave to your credit agency, which has authorized this furnished account. If you can not provide me with these instructions written by me prior to this notice this has been a fraudulently made consumer report using my identifying information. XXXX XXXX shows proof of 15 U.S.Code 1681b ( a ) ( 2 ) being violated by XXXX, XXXX and TransUnion, which constitutes aggravated identity theft in accordance with 18 U.S.Code 1028A. The account must be removed. 15 U.S.Code 1681b ( a ) ( 2 ) I am writing to you in regard to the information listed on my credit report associated with my Social Security number. It has come to my attention that there are aliases and other information reported by your agency that are not directly from a VERIFIED RECORD. I am deeply concerned about the privacy and accuracy of this information, as my Social Security number is a private identifier and should only be used by entities with whom I AURHORIZED AND have direct business dealings. Public Record : XXXX XXXX Bankruptcy Under the Fair Debt Collections Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), information reported by credit reporting agencies must be accurate, verified, and validated. It is my understanding that information associated with my Social Security number should only be reported if it is directly from a creditor and meets these standards. Any reporting of aliases or other information obtained from public data gathering aggregators violates my right to privacy and fails to meet the legal requirements outlined by the FDCPA and FCRA, AS SUCH INFORMATION IS NEITHER ACCURATE, VERIFIED, OR VALID AS REQUIRED BY LAW. MY SOCIAL SECURITY NUMBER HAS NEVER BEEN ASSOCIATED WITH PUBLIC RECORDS, AND SUCH RECORD GATHERING MUST BE DEEMED AS INACCURATE IF THERE IS A CLAIM THAT IT IS. Fair Credit Reporting Act ( FCRA ) Accuracy of Information ( 15 U.S.C. 1681e ( b ) ) : This section requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Dispute Resolution ( 15 U.S.C. 1681i ) : This section outlines the procedures that must be followed when a consumer disputes the accuracy of information in their credit report. It mandates that consumer reporting agencies must investigate disputes, usually within 30 days, and either verify, correct, or delete the disputed information. Furnisher Responsibilities ( 15 U.S.C. 1681s-2 ) : This section details the responsibilities of entities that furnish information to consumer reporting agencies. It requires furnishers to provide accurate information, investigate disputes received from consumer reporting agencies, and correct or delete inaccurate or unverified information. You list aliases, who provided this information to you? You list previous addresses, who provided this information to you? Fair Debt Collection Practices Act ( FDCPA ) Acquisition of Location Information ( 15 U.S.C. 1692b ) : While not directly about information accuracy, this section requires any debt collector communicating with any person other than the consumer to acquire location information about the consumer without stating that the consumer owes any debt. Communication in Connection with Debt Collection ( 15 U.S.C. 1692c ) : This section prohibits deceptive collection practices, indirectly requiring that any information communicated not be misleading or inaccurate. Validation of Debts ( 15 U.S.C. 1692g ) : This pivotal section requires debt collectors to provide consumers with a written notice containing the amount of the debt, the name of the creditor, and a statement that unless the consumer disputes the validity of the debt within 30 days, the debt will be assumed to be valid by the debt collector. Consumer Credit Protection Act ( CCPA ) The CCPA is a broader act that encompasses several statutes, including the Truth in Lending Act ( TILA ), the FCRA, the Equal Credit Opportunity Act ( ECOA ), and the FDCPA, among others. Specific requirements for verified, validated, and accurate information reporting are more directly addressed in the acts mentioned above. However, the CCPA 's establishment of these acts under its umbrella signifies the legislative framework for consumer credit protection, including accurate and fair credit reporting and debt collection practices. Consequences for Non-Compliance Failure to comply with these requirements can result in several consequences for creditors, debt collectors, and consumer reporting agencies, including : Civil Liability ( e.g., 15 U.S.C. 1681n, 1681o for FCRA ) : As a consumer I can bring civil action against violators for actual damages, statutory damages, and in cases of willful non-compliance, punitive damages, I prefer to bring the claim against their insurance bonds. Enforcement Actions : Agencies such as the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), along with the XXXX XXXX XXXX having jurisdiction, can enforce these laws, potentially resulting in fines, penalties, and injunction/directives to correct practices. Reputational Damage : Non-compliance can also lead to reputational damage, i.e. : libel and slander elements of defamation of character, and civil action affecting the business relationships and consumer trust of the violating entity. Therefore, I formally challenge the accuracy and validity of any information on my credit report that does not meet these standards. I request that you promptly investigate and remove any such information from my credit report. Failure to do so will result in further action, including pursuing legal remedies available to me under the law. This presentment contains specific reference to the disputed information in question format and otherwise! Please provide me with written confirmation once the investigation is complete and any inaccuracies have been corrected. You may contact me at the address provided above if you require any additional information or clarification regarding this matter. Thank you for your prompt attention to this issue.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

60660

Consent provided

Web

10/17/24

Closed with non-monetary relief

Yes

Topic: Dispute over charged-off account and verification issues | Relevance: 2

Topic: Dispute over charged-off account and verification issues

11/22/24

Credit card

General-purpose credit card or charge card

Other features, terms, or problems

Other problem

XXXX XXXX. Escalations Representative XXXX XXXX XXXX Office Wells Fargo XXXX XXXX XXXX XXXX XXXX, SD XXXX Subject : Pre-Arbitration Dispute and Demand for Remedy Wells Fargo Case Number : XXXX CFPB Case Number : XXXX Dear XXXX XXXX XXXX I am writing to respond to your letter dated XX/XX/XXXX, concerning my dispute over the charged-off account ending in XXXX. Your response fails to properly validate the account in accordance with 15 U.S.C. 1681s-2, and your continued reporting of inaccuracies violates my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). This letter serves as a final demand for proper resolution before I escalate the matter to arbitration under the XXXX XXXX XXXX ( XXXX ), as provided for in your Consumer Credit Card Customer Agreement. I am also demanding a remedy of {$9000.00} for the damages caused by your violations, including mental distress and inconvenience. Failure to Properly Validate the Debt Your response indicates prior validation of this debt ; however, you have not provided an adequate method of verification as required under the FCRA and FDCPA. The information provided does not resolve the following discrepancies : 1. Inaccurate Reporting : The payment history and account details on my consumer report reflect inconsistencies, making the account misleading and incomplete. In XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ), the court held that failing to note a disputed debt is misleading and violates 1681s-2 ( b ). Your refusal to update my credit report to reflect this dispute constitutes non-compliance. 2. Reasonable Investigation : In XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that furnishers must conduct a reasonable investigation upon notice of a dispute. Your response merely restates prior findings without demonstrating a thorough investigation into the discrepancies I raised. 3. Reporting Without Verification : Under 1681s-2 ( a ) ( 1 ) ( B ), furnishers are prohibited from reporting information to consumer reporting agencies if they knowor have reasonable cause to believethe information is inaccurate. In XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ), the court emphasized the duty of furnishers to ensure accuracy. Request for Verification Methods I am requesting that you provide the method of verification used to validate this account, as required under 1681i of the FCRA. This must include : The exact steps taken to verify the account. Documentation from the original creditor substantiating the accuracy of the reported information. If you can not provide proper verification, you are in violation of the FCRA and must cease reporting this account immediately. Demand for Arbitration Fees and Itemized Fee Disclosure Should you fail to resolve this dispute, I will file for arbitration with the XXXX under your customer agreement. To prepare, I request a full itemized list of all arbitration fees and costs, as outlined on the adr.org website. Demand for Remedy Due to your violations of the FCRA and FDCPA, as well as the mental and financial distress caused by your practices, I demand : 1. The immediate correction of my consumer report to reflect the dispute. 2. Compensation of {$9000.00} for damages and inconvenience. Next Steps You have 14 days to respond to this letter with : 1. Proper verification of the account. 2. Confirmation of the corrections to my consumer report. 3. The {$9000.00} remedy payment or a formal settlement offer. Failure to comply will result in immediate arbitration, and I will seek additional damages and reimbursement of all arbitration fees. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

WELLS FARGO & COMPANY

AZ

85048

Consent provided

Web

11/22/24

Closed with explanation

Yes

Topic: Incorrect account status in credit reports | Relevance: 1

Topic: Incorrect account status in credit reports

10/17/24

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet 30-day deadline stated in your previous memo.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

94114

Consent provided

Web

10/17/24

Closed with non-monetary relief

Yes

Topic: Issues with releasing vehicle title after loan payment | Relevance: 2

Topic: Issues with releasing vehicle title after loan payment

11/22/24

Vehicle loan or lease

Loan

Problems at the end of the loan or lease

Unable to receive car title or other problem after the loan is paid off

I contacted this company trying to get them to release the electronic title so Idaho could send me my title after paying my truck off in XXXX, XXXX ( it is now XXXX, XXXX ). XXXX XXXX refused to contact XXXX to release the title via ELT program after financing my truck through them and paying over {$XXXX}. I still have no resolution and no title proving ownership to my vehicle.

Company believes the complaint provided an opportunity to answer consumer's questions

Reliable Credit Association, Inc.

WY

830XX

Consent provided

Web

11/22/24

Closed with explanation

Yes

Topic: Fraudulent credit inquiries | Relevance: 3

Topic: Fraudulent credit inquiries

10/18/24

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit : 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.

AZ

85323

Consent provided

Web

10/18/24

Closed with non-monetary relief

Yes

Topic: Large electronic payment on credit card | Relevance: 8

Topic: Large electronic payment on credit card

11/22/24

Credit card

Store credit card

Advertising and marketing, including promotional offers

Didn't receive advertised or promotional terms

On XX/XX/XXXX Citibank Charged For Deferred Interest Of {$490.00} For XXXX XXXX with XXXX interest Expiring In XXXX XXXX. Debtor paid this promotional balance in-full in lump sum payment On XXXX XXXX, XXXX ( {$1400.00} Electronic Applied To This Selected Full Balance, Which Was Checked Online For Payment Application On XX/XX/XXXX as an electronic payment option provided within the Citibank Best Buy account services/promotional balances payment portal ). This lump sum payment of {$1400.00} for expiring XXXX XXXX promotional purchase was made in addition to minimum monthly revolving balance payments applied to general balance according to XXXX XXXX XXXX in XXXX XXXX and XXXX XXXX. See attached documentation. Documentation of promotional balance amount and terms in question has been removed from website by lender. Information has been requested from XXXX XXXX to further substantiate this claim.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

CITIBANK, N.A.

OH

43551

Consent provided

Web

11/22/24

Closed with monetary relief

Yes

Topic: Identity theft and fraudulent account reporting | Relevance: 3

Topic: Identity theft and fraudulent account reporting

10/16/24

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, Pa XXXX Trans Union LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX To Whom It May Concern, I am writing to formally notify you of the unlawful reporting of fraudulent accounts on my consumer report, arising from identity theft, which you failed to verify as mandated by law. 15 USC 1681b ( c ) - Furnishing reports in connection with credit or insurance transactions not initiated by the consumer : ( 3 ) Information regarding inquiries : Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries, which are a result of identity theft and were not initiated by me, must be deleted immediately : Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My identity has been stolen, and I am placing you on formal notice. Aggravated Identity Theft pursuant to 18 U.S.C. 1028A : ( 1 ) In general : Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. XXXX5 USC 1681b - Permissible purposes of consumer reports : ( a ) IN GENERAL : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report only under the following circumstances : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 USC 1681- Fair Credit Reporting Act : ( a ) Accuracy and fairness of credit reports : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. List of Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S. Code 1681c2 - Block of information resulting from identity theft : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft, not later than 4 business days after the date of receipt by such agency of : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not related to any transaction by the consumer. Enclosed are all relevant documents pursuant to the above section of the law. I demand that all the aforementioned fraudulent accounts be deleted immediately. Additionally, I demand an updated copy of my consumer file reflecting these changes, as stated by 15 USC 1681c-1 ( 2 ) - Access to free reports. 15 USC 1681c-1 ( 2 ) - Access to free reports : In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall : ( A ) Disclose to the consumer that they may request a free copy of their file pursuant to section 1681j ( d ) of this title. Be advised that I will CC : The Bureau of Consumer Financial Protection ( CFPB ) The Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Attorney General XXXX XXXX in your state and mine Thank you, XXXX XXXX Enclosures : Copy of ID Utility bill showing proof of address Copy of Social Security Card FTC Identity Theft Report

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PA

19138

Consent provided

Web

10/16/24

Closed with non-monetary relief

Yes

Topic: Complaint about unresolved credit card issues | Relevance: 2

Topic: Complaint about unresolved credit card issues

11/20/24

Credit card

General-purpose credit card or charge card

Trouble using your card

Can't use card to make purchases

re : COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> Barclay did XXXX to resolve the issue ( Fact ) that they are lying. Barclay did NOTHING to resolve the BULLY tactics they are using. Barclay did NOTHING to resolve the issue ( Fact ) that the XXXX company had an issue of Possible Fraud with ( Barclay ) NOT with me. Yet again, another lie. Barclay did NOTHING to offer in compensation for the trouble THEY caused. How can this complaint be closed when NOTHING has been done?

Company has responded to the consumer and the CFPB and chooses not to provide a public response

BARCLAYS BANK DELAWARE

TX

775XX

Consent provided

Web

11/26/24

Closed with explanation

Yes

Topic: Access to credit report issues | Relevance: 1

Topic: Access to credit report issues

10/16/24

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

No access to my credit report I have sent multiple requests to access my credit report, and your company stated did not provide correct information, in which I have provided accurate and updated information from Identity Theft. gov. I have attached Police report, XXXX police report is not signed it has to be approved city of XXXX, and then it gets email to you. I have provided my Driver License and proof of a bill statement, which is more than sufficient enough, and you continue to illegally not allow me access to my credit report as I provided you with accurate information, filling a police report is illegal. I need access to 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.

AZ

85018

Consent provided

Web

10/16/24

Closed with explanation

Yes

Topic: Dispute over unauthorized large charge on credit card | Relevance: 8

Topic: Dispute over unauthorized large charge on credit card

11/18/24

Credit card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I was trying to hook up my new XXXX printer and was unsuccessful. I scanned a QR code provided by XXXX and called a number for XXXX Support. A man by the name of XXXX XXXX came on and took control of my laptop, showing me I had viruses. They charged me {$190.00} to clean up the viruses and told me I needed to their software to protect my laptop, other devices and their software would stop all viruses at the point of entry at the modem. I felt pressured to make this purchase but made a lifetime purchase. They temporarily got my printer working but it never stayed working. About a month later they called me and said I needed to upgrade my purchase because my modem was getting hacked by foreigners. They wanted over {$3000.00} more, when the original purchase was supposed to cover the modem. This is when I knew they were scamming me. Their company name is XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX is the only address I can find when searching for this company. I reported this to my credit card company, Elan Financial Services through XXXX Bank. Initially they reimbursed the charge of {$1200.00} on XX/XX/XXXX. After their investigation, they reversed that reimbursement saying that I willingly put in my credit card number for the purchase and received the services represented by the transaction. This is not true. I did not receive the services XXXX told me I had purchased. There would not have been a need to purchase further protection, if they had in fact provided the services they promised. I have twice requested the investigation information from Elan Financial Services that was used in their investigation and both times they said they would send it. I still have not received the information.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

U.S. BANCORP

WI

53216

Older American

Consent provided

Web

11/18/24

Closed with monetary relief

Yes

Topic: Large Escrow Fund Release Issue | Relevance: 8

Topic: Large Escrow Fund Release Issue

11/20/24

Mortgage

Conventional home mortgage

Trouble during payment process

Escrow, taxes, or insurance

My house flooded in XXXX due to hurricane XXXX. My insurance company made payment for the damage to my mortgage company. I was initially serviced thru another company but Roundpoint Mortgage Service took over my mortgage. Since XXXX of this year ( over 10 months ), I've been requesting release of {$74000.00} in funds held by Roundpoint in escrow. To-date, no funds have been released. Every time I contact Roundpoint their story changes about what is holding up the release of funds. They also refuse to put any request in writing on what is holding up the release. 7 weeks ago, Roundpoint conducted an on-site inspection of the entire house and determined 95 % of renovation was complete, yet they still refuse to release any funds and have ordered an additional inspection. I had to borrow money to complete the renovation and have incurred over {$6000.00} in interest charges because of Roundpoint 's neglance or woeful incompetence. RoundPoint Mortgage Servicing LLC ( d/b/a RoundPoint in all States except Arizona & New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX ( XXXX ) XXXX.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

RoundPoint Mortgage Servicing LLC

FL

33914

Consent provided

Web

11/20/24

Closed with explanation

Yes

Topic: Identity theft and incorrect reporting on credit reports | Relevance: 1

Topic: Identity theft and incorrect reporting on credit reports

10/16/24

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am a victim of identity theft, and XXXX XXXX has been reporting a fraudulent account opened in my name, despite receiving three direct requests from me to investigate and stop reporting it to the credit reporting agencies ( CRAs ). Both XXXX and XXXX XXXX were asked to certify that the information is inaccurate, but XXXX XXXX continues to furnish the false account. Violations : 1. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : XXXX XXXX continued to report the fraudulent account as accurate after receiving notice from me, on three occasions, that the information was incorrect. 2. 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( B ) : Despite receiving an affidavit and FTC report proving identity theft, Capital One continues to furnish inaccurate information. 3. 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) & 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : XXXX XXXX failed to respond to my dispute and did not investigate the fraudulent account within 30 days. 4. 15 U.S.C. 1681s-2 ( a ) ( 7 ) : XXXX XXXX failed to provide required notice that it would report negative information to my credit report within 30 days of reporting it. 5. 15 U.S.C. 1681g ( e ) : XXXX XXXX failed to provide business transaction records, including the application used to open the fraudulent account, after receiving my identity theft proof within 30 days. 6. 12 CFR 1022.42 : XXXX XXXX failed to maintain reasonable procedures to ensure the accuracy of information reported to the CRAs. They received multiple notices from me certifying identity theft but still reported inaccurate information. 7. 15 U.S.C. 1692e ( 2 ) ( A ) : XXXX XXXX misrepresented the nature of the debt by continuing to report it after receiving five notifications of identity theft, including proof of my address and affidavits. Timeline and Details : I sent my first dispute notice to XXXX and XXXX XXXX, requesting the removal of the fraudulent account and providing proof of identity theft as per 15 U.S.C. 1681g ( e ) ( 2 ) ( B ) and 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( B ). Despite this, XXXX XXXX failed to conduct a reasonable investigation within 30 days as required by 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ), and the fraudulent account remains on my credit report. XXXX XXXX has further violated : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : They continued to report information they knew or should have known was inaccurate. 12 CFR 1016.7 : I exercised my right to opt out of reporting, but XXXX XXXX failed to honor it. 15 U.S.C. 1692 : XXXX XXXX failed to validate the debt and contacted me outside of permitted hours. Additionally, XXXX XXXX falsely reported repossessing a vehicle, which was never communicated to me. They also failed to adjust the balance on my credit report after supposedly receiving payments or repossessing the vehicle. XXXX XXXX has violated the Fair Credit Reporting Act ( FCRA ) by failing to conduct proper investigations, report accurate account statuses, and follow the guidelines for responding to disputes under the CARES Act. Their actions also violate the Consumer Financial Protection Acts ( CFPA ) prohibitions on abusive practices by taking advantage of my inability to protect my interests.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

93036

Servicemember

Consent provided

Web

10/16/24

Closed with non-monetary relief

Yes

Topic: Consumer dispute over inaccurate credit report entries | Relevance: 2

Topic: Consumer dispute over inaccurate credit report entries

10/17/24

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PR

00676

Consent provided

Web

10/17/24

Closed with non-monetary relief

Yes

Topic: Unauthorized credit inquiries | Relevance: 2

Topic: Unauthorized credit inquiries

10/18/24

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX To : XXXX Disputes XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject XXXX Immediate Removal of Unauthorized Inquiries from My Credit Report To Whom It May Concern, I am writing to demand the immediate removal of several unauthorized hard inquiries from my credit files with XXXX and TransUnion. These inquiries were made without my knowledge or authorization, and as such, they are a violation of my rights under the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). Furthermore, these inquiries are adversely affecting my credit score, and their removal is required. Attached is an FTC Identity Theft Report, Along with my which substantiates that these inquiries were unauthorized. You are legally required to remove any inaccurate or unauthorized information from my credit report in accordance with the FCRA. The following inquiries must be removed immediately from my credit report : TransUnion and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Relevant Laws : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681b : This section of the FCRA specifies that a consumer report can only be accessed with the consumers consent or for specific permissible purposes, such as a credit application initiated by the consumer. The hard inquiries in question do not meet these conditions, and as such, they must be removed. 2. 15 U.S. Code 1681i - Dispute Process : This section obligates credit reporting agencies to investigate disputes regarding inaccurate or incomplete information. Upon receipt of this letter and the supporting FTC Identity Theft Report, you are required to investigate and correct or delete these unauthorized inquiries. 3. 15 U.S. Code 1681c-2 - Block of Information Resulting from Identity Theft : This section permits consumers to request the blocking of information, including unauthorized inquiries, resulting from identity theft. The enclosed FTC report constitutes proof that the inquiries were unauthorized, and you are obligated to block and remove them from my file. Case Law Supporting Removal of Inquiries : 1. Dalton v. Capital Associated Industries Inc., 257 F.3d 409 ( 4th Cir. 2001 ) : This case established that credit reporting agencies are required to reinvestigate and correct inaccurate information when presented with evidence. Failure to do so opens them to liability under the FCRA. 2. Cousin v. TransUnion Corp., 246 F.3d 359 ( 5th Cir. 2001 ) : This case reinforced the responsibility of credit reporting agencies to ensure that the information in consumer reports is accurate. It further demonstrated that non-compliance could result in legal consequences. Immediate Action Required : 1. Remove all Unauthorized Inquiries : I expect all the listed unauthorized inquiries to be permanently removed from my credit reports within 30 days of receiving this letter. 2. Provide Written Confirmation : Please provide a written confirmation that the inquiries have been removed as soon as possible. 3. Prevent Further Reporting : Ensure that these entities do not continue reporting these unauthorized inquiries, and take action to prevent any further unauthorized access to my credit report. Failure to comply with this request within the required time frame will leave me no choice but to escalate this matter, including filing additional complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and considering all available legal remedies, including a lawsuit for damages under the FCRA. I trust that you will act promptly to resolve this issue. I look forward to receiving confirmation of the removal of these unauthorized inquiries. Sincerely, XXXX XXXX XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

32308

Consent provided

Web

10/18/24

Closed with non-monetary relief

Yes

Topic: Complaint about inaccurate late payment entries on credit report | Relevance: 1

Topic: Complaint about inaccurate late payment entries on credit report

10/25/24

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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, which is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused undue harm to my creditworthiness and credit score, thereby violating my consumer rights under TILA. Protection Against Non-Payment of Obligations Act ( PAANL ) This act further reinforces the responsibility of creditors to provide timely statements, ensuring that consumers are not unfairly penalized. The discrepancies in the reporting of my payment history suggest that this obligation was not met by the creditor, leading to significant harm to my credit standing. Evidence of Errors in Payment Reporting For the account with XXXX XXXX, the following discrepancies have been observed across the credit bureaus : TransUnion : The account incorrectly reports XXXX XXXX late payments in XX/XX/XXXX and XX/XX/XXXX, even though payments were made on time. Pattern of Inaccuracies The continued incorrect reporting of late payments across TransUnion, XXXX, and XXXX reflects a pattern of inaccuracies. These late payments have been falsely reported despite my payments being made on time and my account being in good standing. Request for Immediate Correction I am formally requesting that these inaccuracies be corrected and that the incorrect late payment notations be removed from my credit report. The information should be updated to accurately reflect my payment history, which has been on-time. If this issue is not resolved within 30 days, I will escalate my complaint further, including legal action and filing additional complaints with relevant regulatory agencies to protect my consumer rights. Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of the removal of these inaccurate entries. 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

77504

Consent provided

Web

10/25/24

Closed with non-monetary relief

Yes

Topic: Identity theft and unauthorized transactions | Relevance: 7

Topic: Identity theft and unauthorized transactions

10/25/24

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

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

LA

XXXXX

Consent provided

Web

10/25/24

Closed with non-monetary relief

Yes

Topic: Large additional fees added to loan contract | Relevance: 5

Topic: Large additional fees added to loan contract

11/16/24

Vehicle loan or lease

Loan

Managing the loan or lease

Problem with fees charged

I had additional fees added to my contract. A service contract which I never used was added in order to get the loan. I was told that the down payment was XXXX price then when I went to pick up the suv i was told that I had to pay more toward the down payment in order to drive off.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

CREDIT ACCEPTANCE CORPORATION

NY

110XX

Servicemember

Consent provided

Web

11/16/24

Closed with explanation

Yes

Topic: Unauthorized credit card and loan applications | Relevance: 3

Topic: Unauthorized credit card and loan applications

11/16/24

Credit card

General-purpose credit card or charge card

Getting a credit card

Card opened without my consent or knowledge

We have received notices from Wells Fargo and XXXX that Credit Cards were applied ( and opened at Wells ). A personal loan was applied for and denied at XXXX. I have contacted each of the banks to have the account closed and verify there are no open accounts

Company has responded to the consumer and the CFPB and chooses not to provide a public response

WELLS FARGO & COMPANY

NY

144XX

Older American

Consent provided

Web

11/16/24

Closed with non-monetary relief

Yes

Topic: Large withdrawal for annual fee | Relevance: 7

Topic: Large withdrawal for annual fee

11/14/24

Credit card

General-purpose credit card or charge card

Closing your account

Can't close your account

I applied for a Barclays XXXX XXXX credit card in XX/XX/year> and I was approved. After receiving the card I was unable to activate and received a message to contact Barclays who requested additional information to confirm my identity. One of the items they requested was either A ) A utility bill with my name or B ) A savings or checking bank account with my name I am unable to supply either of these as I live outside the XXXX most of the time and do not have utility bill in my name and I use a brokerage account for my checking and savings and Barclays made it clear that I could not use a brokerage account. My credit card account had been set up for autopay and while this was going on, Barclays charged me {$99.00} for the yearly fee. This was deducted from my wife 's checking account. I have called Barclays multiple times requesting the card account be closed and the yearly fee refunded as I can not use the card and have not way of activating it based on their policies. They have told me repeatedly that they can not close the account unless I provide the additional documentation requested which I have already told them I can not do. It is a Catch-22 situation and makes no sense.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

BARCLAYS BANK DELAWARE

FL

32043

Older American

Consent provided

Web

11/14/24

Closed with monetary relief

Yes

Topic: Credit report inaccuracies | Relevance: 1

Topic: Credit report inaccuracies

11/26/24

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

XXXX. SUNRISE CREDIT SERVICES Account number : XXXX - account reported inaccurately, please remove from credit report. XXXX. XXXX XXXX Account number : XXXX -account reported inaccurately please update or remove from credit report XXXX. XXXX XXXX XXXX XXXX Account number : XXXX -account reported inaccurately please update or remove from credit report XXXX. XXXX XXXX XXXX ( XXXX ) Account number : XXXX : Balance : {$950.00} -account reported inaccurately please update or remove from credit report XXXX. XXXX XXXX XXXX ( XXXX ) Account number : XXXX : Balance : {$800.00} -account reported inaccurately please update or remove from credit report XXXX. XXXX XXXX XXXX XXXX, XXXX Account number : XXXX XXXX reported inaccurately please update or remove from credit report XXXX XXXX XXXX XXXXXXXX Account number : XXXX -account reported inaccurately please update or remove from credit report

Company has responded to the consumer and the CFPB and chooses not to provide a public response

SUNRISE CREDIT SERVICES, INC

MI

48073

Consent provided

Web

11/26/24

Closed with explanation

Yes

Topic: Large unauthorized withdrawals from a checking account | Relevance: 10

Topic: Large unauthorized withdrawals from a checking account

11/26/24

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

On XX/XX/year>, I received a text message on my phone asking me if I had authorized a charge to my debit card. I immediately responded with No, and received another text message that an agent would be contacting me. I received a phone call from a Wells Fargo number on my caller ID and so I answered, and they said they needed to help me so that no more charges would occur on my debit card that was now compromised. I asked for them to confirm what info they had about me and they confirmed my full name, address, last 4 of social security number. So, I followed the prompts and before I knew it, they had unauthorized electronic transfers out of my account. The amounts of the transfers were : {$17000.00}, {$45000.00}, and {$27000.00}. I had no idea what they were doing to my account. I immediately knew something was wrong in my gut, so I hung up the phone and ran to my local branch and within minutes the account was closed, and a new account was opened with all of my money in the new account. I spoke to a representative at Wells Fargo on the phone there and explained what happened. I was assured by the local branch and agent on the phone that everything would be fine and that the money was safe in the new account. My husband gets one amount once a year and this is what we live off of for the entire year. The very next day I logged onto online banking, which the bank had me reset my login info when I was there, and the next day when I logged on, the money was showing pending as leaving my account. I called Wells Fargo right then and they told me not to worry that the claim that was opened was still being worked on. I let 2 days go by and when I checked again the money was out of my new account. I called Wells Fargo again and they assured me that I would get the money back that it was just in the claims process. On XXXX XXXX XXXX, I called and got told that my claim was denied, and I would not be getting the money back. This is our living and what we live on. We do not get any more money. Why does Wells Fargo not honor the FDIC insured policy and help us get our money back? Shouldn't the bank protect their clients? Especially where it was a scam and fraud? I have banked with Wells Fargo for 35+ years, and this should be FDIC insured. This was clearly a scam and people posing as a Wells Fargo worker. They knew all of the lingo and everything they said was said to me when I went to the local branch and was talking to the agent on the phone in the lobby. This is infuriating. The bank will literally do nothing to help us resolve this issue. They said they would be sending a denial letter, but we have not received it yet. This is our living, and we work very hard at our business which hasn't been doing well at all, because of the economy. We have no idea how we are going to pay our bills now and try and have XXXX for our kids. We are devastated beyond words and don't even know what to do short of getting a lawyer that we can't afford now and trying to get our money back. Any help would be appreciated. This has made me not trust anyone at all and not believe anything or anyone. We are hardworking people that believe that working hard is how you make a living not scamming other people out of their hard-earned money. Wells Fargo knows there are scams and fraud and should have better practices in place to protect their clients. We are devastated and it is making both my husband and me physically and emotionally sick.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

WELLS FARGO & COMPANY

UT

84032

Consent provided

Web

11/26/24

Closed with explanation

Yes

Topic: Mortgage payment deferral issues causing financial strain | Relevance: 3

Topic: Mortgage payment deferral issues causing financial strain

11/16/24

Mortgage

Conventional home mortgage

Trouble during payment process

Trying to communicate with the company to fix an issue while managing or servicing your loan

I needed a little help with my mortgage payment and called to ask them if I could defer XXXX of the payments to the back of the loan. I have done this before, where I only pay the interest and they were able to put that toward the back of my loan. I advised the rep at select portfolio mortgage company, that I didn't want to do this. If it was going to take a while or XXXX things up. He assured me that it wouldn't. They asked me to send in all my financial information which I did. They asked me to send in my pay stubs which I did. I let them know that my pay was going to be a little bit lower so it was going to be hard for me to make that payment for just that month. After getting the paperwork, select portfolio, drug their feed for so long, I kept having to call in and ask them by what the progress was. Every time I called they would ask for something completely different. At XXXX point, they had asked me to verify my savings account which had very little in it. After sending that response in, they asked for something else which was totally unrelated. After sending all this information in and waiting, I finally called them back because I hadn't heard anything. That it was not approved. This is after waiting almost a month and a half on their decision. This made my loan late and I had to play catch up to get it all caught up today. What makes this even more aggravating, is that by select portfolios, actions, all of my credit cards started dropping. XXXX, all of my credit cards said they were closing their accounts with me. I then had to scramble to get some of this debt paid and I had now lost access to any of those cards that I could have used to financially help my situation and pay basic bills. My credit score shot way down and I had lost XXXX cards in total due to select portfolios actions. It would be XXXX thing if I was just affected with my mortgage company, but their actions affect all of my other credit cards XXXX. Had select portfolio had gotten in touch with me by any means, and told me what the progress was, and not delayed or dragged it out like they did, I wouldn't have been behind and I could have made other choices. My select portfolio account has always been paid on time and this whole interaction with select portfolio was devastating, as it took so much of my time to keep calling back and keep faxing other information piece by piece to them. This kind of practice should never be allowed. I just couldn't understand why select portfolio couldn't have helped me for that XXXX month that I asked for. This XXXX action with select portfolio has devastated me financially as I had lost most of the cards I rely on.

Company believes it acted appropriately as authorized by contract or law

SELECT PORTFOLIO SERVICING, INC.

FL

34698

Consent provided

Web

11/16/24

Closed with explanation

Yes

Topic: Large funds not received from closed account | Relevance: 7

Topic: Large funds not received from closed account

11/20/24

Checking or savings account

Checking account

Closing an account

Funds not received from closed account

Dear Sir or Madam, After months of back and forth with Citi Bank, I was able to verify my identity with the fraud department on XXXX XX/XX/2024. I was told by XXXX XXXX that my account was set for closure and within XXXX days I would receive a check in the mail of the balance in my closed account. I waited patiently and called today, XXXX XX/XX/2024, and spoke to XXXX XXXX. She refused to verify me with my phone number, a number that was issued by XXXX and not a temporary phone number. She asked me some questions and managed to get around the text confirmation. XXXX XXXX told me she has no clue why I was not issued a check and, at first, offered to call me back, but then refused to use my phone number. So, she told me to call back in XXXX hours. If I had not called, I would never had heard anything from Citi Bank. They had told me a month ago they would contact me by letter, but never did.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

CITIBANK, N.A.

NC

281XX

Consent provided

Web

11/20/24

Closed with explanation

Yes

Topic: Dispute over inaccurate credit report entries | Relevance: 3

Topic: Dispute over inaccurate credit report entries

11/15/24

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 reviewing my XXXX XXXX XXXX I notice negative reporting from several different banks, I'm not familiar with. I sent a dispute to ews asking for validation of the negative accounts being reported. In response, they sent a letter indicating the accounts were accurate, complete and was verified. However, I did not receive any of the documents I requested to verify and validate the debt and or negative accounts belong to me. CITIBANK account # XXXX According to the FCRA : XXXX. Right to Dispute Inaccuracies Section XXXX : Consumers have the right to dispute any inaccurate or incomplete information on their consumer report. Reporting agencies must investigate disputes, usually within XXXX days. XXXX. Notification of Dispute Results Section XXXX ( a ) ( XXXX ) : Once a dispute is resolved, the consumer reporting agency must provide the consumer with a written response detailing the results of the investigation and any changes made to the report. XXXX. Notice of Disputed Information to Furnishers Section XXXX ( b ) : When a consumer disputes an item, the reporting agency must notify the entity that provided the disputed information. The furnisher is required to investigate the matter and report back to the consumer reporting agency. EWS violated my consumer laws according to the laws listed above by not providing written results detailing the results of the investigation and providing documents used to validate the debt. Please find attached all disputes sent to EWS and their response.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

CITIBANK, N.A.

CA

91202

Consent provided

Web

11/15/24

Closed with explanation

Yes

Topic: Debt collection for incorrect amount | Relevance: 2

Topic: Debt collection for incorrect amount

11/25/24

Debt collection

Telecommunications debt

False statements or representation

Attempted to collect wrong amount

Credit Control LLC is trying to collect and incorrect amount of {$150.00} which they justified by saying it has non-interest fees charged.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Credit Control, LLC

TX

XXXXX

Consent provided

Web

11/25/24

Closed with explanation

Yes

Topic: Unauthorized credit inquiries | Relevance: 3

Topic: Unauthorized credit inquiries

11/15/24

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I noticed XXXX hard inquiries for a vehicle loan or credit loan on my credit in XXXX of XXXX. The issue is, I already own a vehicle that has been keeping my expenses much lower than getting a car payment. Its a bit unfortunate that information is easily accessible in the internet age. Hopefully, more secure measures will arise to avoid this kind of situation in the near future

Company has responded to the consumer and the CFPB and chooses not to provide a public response

CREDIT ACCEPTANCE CORPORATION

GA

30344

Consent provided

Web

11/15/24

Closed with explanation

Yes

Topic: Payment processing issues with mortgage payments | Relevance: 3

Topic: Payment processing issues with mortgage payments

11/14/24

Mortgage

Conventional home mortgage

Trouble during payment process

Payment process

New Rez account # XXXX XXXX XXXX- they took over my account last summer. XXXX XXXX I made a payment but apparently the payment address for the ACH was changed. I have XXXX XXXX XXXX ( XXXX ) cancel that payment and reissue to the new address on XX/XX/year>. New Rez said they didn't receive it. XXXX faxed them proof of them cashing the chk on XX/XX/year>. I called yesterday, they confirmed receipt of payment AND DID NOT APPLY IT TO MY ACCOUNT and said their was a ticket opened to find out where my funds had gone. They charged me a late fee!! On XXXX XXXX I made my payment- it went to the wrong address - a XXXX mistake. XXXX cancelled that check and reissued an ACH to them on XX/XX/year>. New Rez has still not processed that payment either. I have spoken with 10 different supervisors - I can list all the names if needed. Nothing has happened. They never call me, never follow up and I am spending two hours a week trying to get to the bottom of this. Are they trying to steal my home from me? I am a senior!! Please assist, XXXX XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Shellpoint Partners, LLC

ID

83815

Consent provided

Web

11/14/24

Closed with explanation

Yes

Topic: Issues with large payments and reversals in a HELOC account | Relevance: 8

Topic: Issues with large payments and reversals in a HELOC account

11/14/24

Mortgage

Home equity loan or line of credit (HELOC)

Trouble during payment process

Payment process

My HELOC was sold to Shellpoint during my XXXX XXXX bankruptcy. I have been making payments every month still. But the payments were hold in an " unapplied fund '' account while my bankruptcy was active. And on XX/XX/XXXX, the payments for XXXX, XXXX, XXXX were finally applied to my account balance. And the ending balance was {$31000.00}. And for the XXXX payment, I made an payment online from my shellpoint account portal. And this payment was withdrew from my XXXX XXXX checking account on XX/XX/XXXX with the following description : XX/XX/XXXX - Withdrawl from NEWREZ-SHELLPOINT WEBPMTS ( - {$1000.00} ). But then around XX/XX/XXXX I tried to make the payment for the XXXX due date ( XX/XX/XXXX ), I noticed my XX/XX/XXXX payment ( fund already taken out of my XXXX account ) were never applied to my HELOC account balance. Shellpoint 's agent told me they never saw this payment in my payment history. So, I called XXXX XXXX to reverse the XX/XX/XXXX payment on XX/XX/XXXX. This is how it's displayed in the bank statement XX/XX/XXXX - Withdrawal from NEWREZ-SHELLPOINT WEB PMTS Reversal Effective XX/XX/XXXX. I then call the bank and made the payment with the help of their agent and it's posted on my bank on XX/XX/XXXX. It's display as the following on my bank statement : XX/XX/XXXX - withdrawal from NEWREZ-SHELLPOINT ACH PMT ( - {$1000.00} ). So, I thought this will cover my XXXX payment and for sure my HELOC balance should be now lower. So, around XX/XX/XXXX, I logged on to my account and found that the XX/XX/XXXX payment were never received and my balance has grown because they said since I had reversed the XX/XX/XXXX payment. So, I filed a complaint to correct the accounting error. And made the XXXX payment on the phone with the help of an agent. This was posted on my checking account on XX/XX/XXXX. It was displayed as this on my bank statement : XX/XX/XXXX - Withdrawal from NEWREZ-SHELLPOINT ACH PMT ( - {$1000.00} ). Then around XX/XX/XXXX, I called the agent to see if the accounting error with the wrong balance has been resolved. They said still pending. And They did not see my XX/XX/XXXX payment, nor the XX/XX/XXXX payment. So, that's when I said that's it. this is getting too crazy. I am going to have my bank reverse those two payments since you said you never received them, yet the funds were already withdrawn from my checking account. So, I called XXXX XXXX to reverse the payments for XX/XX/XXXX and the XX/XX/XXXX. They appeared on the statement as follows : XX/XX/XXXX - Withdraw from NEWREZ-SHELLPOINT ACH PMT REVERSAL Effective : XX/XX/XXXX. XX/XX/XXXX - Withdraw from NEWREZ-SHELLPOINT ACH PMT REVERSAL Effective : XX/XX/XXXX. And then now they said although they can't see the payment that has been withdrawn from my account ( taken out of my checking account ), but they can see payments that have been reversed. So, now they are saying I still owe them for the XXXX payment as well. ( because I reversed the payment that they never received ). I provided them with my bank statement showing them that I have made three payments to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. And I have reversed these three payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX So, that should prove that my balance should stay the same {$31000.00} as of XX/XX/XXXX when the XXXX, XXXX, XXXX payments were applied. And I only owe XXXX, XXXX and XXXX payments. I have filed support tickets and have provided the my bank statement to prove that. But I never gotten any confirmation or follow up. And when I called again today and the agent said no they don't go by my bank statement. They go by their accounting system. And that I still owe them {$32000.00}. And I still owe them XXXX, XXXX, XXXX And XXXX payments. This is insane. Please investigate this shady company please. I am at wits end. We need help proving that they did received my payments. And that the reversals were merely reversing the payments that have been withdrawn from my checking account that they claim they have never received. XXXX XXXX claim department said they have successfully reversed the three payments and there is nothing else they can do. Please help! XX/XX/XXXX - Debit Card Purchase - XXXX SHELLPOINT XXXX XXXX ( {$1000.00} ) XX/XX/XXXX - Debit Card Purchase - XXXX SHELLPOINT XXXX XXXX XXXX XXXX - ( {$1000.00} ) XX/XX/XXXX - Withdrawal from NEWREZ-SHELLPOINT ACH PMT ( - {$1000.00} ) XX/XX/XXXX - Withdrawl from NEWREZ-SHELLPOINT WEBPMTS ( - {$1000.00} ) XX/XX/XXXX - Withdrawal from NEWREZ-SHELLPOINT WEB PMTS Reversal Effective XX/XX/XXXX XX/XX/XXXX - withdrawal from NEWREZ-SHELLPOINT ACH PMT ( - {$1000.00} ) XX/XX/XXXX - Withdrawal from NEWREZ-SHELLPOINT ACH PMT ( - {$1000.00} ) XX/XX/XXXX - Withdraw from NEWREZ-SHELLPOINT ACH PMT REVERSAL Effective : XX/XX/XXXX XX/XX/XXXX - Withdraw from NEWREZ-SHELLPOINT ACH PMT REVERSAL Effective : XX/XX/XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Shellpoint Partners, LLC

CA

94520

Consent provided

Web

11/14/24

Closed with explanation

Yes

Topic: Incorrect information on credit report | Relevance: 1

Topic: Incorrect information on credit report

10/16/24

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

761XX

Consent provided

Web

10/16/24

Closed with non-monetary relief

Yes

Topic: Inaccurate credit reports affecting credit access | Relevance: 2

Topic: Inaccurate credit reports affecting credit access

10/16/24

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.

IN

XXXXX

Consent provided

Web

10/16/24

Closed with non-monetary relief

Yes

Topic: Incorrect fraudulent accounts on credit report | Relevance: 2

Topic: Incorrect fraudulent accounts on credit report

10/16/24

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I recently reviewed a copy of my credit report and notice i had faudelent accounts on my reports, Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33172

Consent provided

Web

10/16/24

Closed with explanation

Yes

Topic: Unauthorized credit inquiries | Relevance: 3

Topic: Unauthorized credit inquiries

10/16/24

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

11412

Consent provided

Web

10/16/24

Closed with explanation

Yes

Topic: Complaint about inaccurate late payment entries on credit report | Relevance: 1

Topic: Complaint about inaccurate late payment entries on credit report

10/25/24

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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, which is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused undue harm to my creditworthiness and credit score, thereby violating my consumer rights under TILA. Protection Against Non-Payment of Obligations Act ( PAANL ) This act further reinforces the responsibility of creditors to provide timely statements, ensuring that consumers are not unfairly penalized. The discrepancies in the reporting of my payment history suggest that this obligation was not met by the creditor, leading to significant harm to my credit standing. Evidence of Errors in Payment Reporting For the account with XXXX XXXX, the following discrepancies have been observed across the credit bureaus : TransUnion : The account incorrectly reports XXXX XXXX late payments in XX/XX/XXXX and XX/XX/XXXX, even though payments were made on time. Pattern of Inaccuracies The continued incorrect reporting of late payments across TransUnion, XXXX, and XXXX reflects a pattern of inaccuracies. These late payments have been falsely reported despite my payments being made on time and my account being in good standing. Request for Immediate Correction I am formally requesting that these inaccuracies be corrected and that the incorrect late payment notations be removed from my credit report. The information should be updated to accurately reflect my payment history, which has been on-time. If this issue is not resolved within 30 days, I will escalate my complaint further, including legal action and filing additional complaints with relevant regulatory agencies to protect my consumer rights. Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of the removal of these inaccurate entries. 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

77504

Consent provided

Web

10/25/24

Closed with non-monetary relief

Yes

Topic: Data breach resulting in fraudulent credit inquiries | Relevance: 2

Topic: Data breach resulting in fraudulent credit inquiries

10/25/24

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent credit inquiries appearing on my credit report. I request that the following inquiries be blocked and deleted from my credit file under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

LA

70737

Consent provided

Web

10/25/24

Closed with non-monetary relief

Yes

Topic: Unauthorized accounts on credit report | Relevance: 2

Topic: Unauthorized accounts on credit report

10/25/24

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

I discovered accounts reporting that I don't recognize when I recently looked at my credit report.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30032

Consent provided

Web

10/25/24

Closed with non-monetary relief

Yes

Topic: Complaint about inaccurate late payment entry on credit report | Relevance: 1

Topic: Complaint about inaccurate late payment entry on credit report

10/18/24

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. Account Information : Creditor 's Name : XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : First Payment Was Never Missed : Contrary to the report, my first payment was made on time. I have attached bank statements and payment confirmations showing that the payment was processed before the deadline. This should not have been recorded as late. Clerical Error by XXXX : After contacting XXXX, it became evident that a clerical error was made when processing the payment. They mistakenly recorded my account as delinquent despite receiving the funds on time. I have attached correspondence with XXXX acknowledging this error and confirming the payment was made. Inconsistent Reporting : While TransUnion and XXXX both show a XXXX late payment, XXXX has no record of any delinquencies on this account. This inconsistency between the credit bureaus is further evidence that there is a reporting error. I have attached copies of my credit report from XXXX showing that the account is reported as current and up to date. Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, [ Credit Reporting Agency Name ] has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. Sincerely, XXXX XXXX XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33971

Consent provided

Web

10/18/24

Closed with non-monetary relief

Yes

Topic: Incorrect account status on credit report | Relevance: 1

Topic: Incorrect account status on credit report

10/16/24

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

Hello, I recently received a copy of my XXXX credit report. I explained to the credit bureau that reporting late on my credit report is illegal per the fair credit reporting act. I clearly explained that they were in violation of the law under 15 USC 1681B permissible purpose of consumer report this is a {$1000.00} CFPB ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( A ) in accordance with the written instructions of the consumer ( individual ) ( me ) to whom it relates. ( Did I give you written instructions to furnish this account on my credit report? ) Furthermore, the Fair Credit reporting is USC1681 ( 2 ) Exclusions-Except as provided in paragraph ( 3 ) the term ( consumer report ) means any written, oral or other communication of any information by consumer reporting agency bearing on a consumer credit report. ( i ) report containing information solely as to transaction or experience between the consumer ( XXXX ) and the spoken person ( XXXX ) making the report. As you can see per your law that it is illegal to report late. I did not give written instructions to furnish any information on my credit report. Furthermore FCRA As stated on a consumer credit report containing information solely as a transition or experience BETWEEN THE CONSUMER ( INDIVIDUAL ) AND THE PERSON MAKING THE REPORT. Please have them to remove all lates from XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) from XXXX, XXXX, and Trans union. I appreciate your assistance and upholding the law and the credit beura responsible for an accurate information being reported on a consumers credit report. Sincerely, 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.

MS

393XX

Consent provided

Web

10/16/24

Closed with non-monetary relief

Yes

Topic: Complaint about unauthorized accounts on credit report | Relevance: 2

Topic: Complaint about unauthorized accounts on credit report

10/17/24

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

27804

Consent provided

Web

10/17/24

Closed with non-monetary relief

Yes

Topic: Incorrect account information on credit report | Relevance: 1

Topic: Incorrect account information on credit report

10/25/24

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

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.

CA

90278

Consent provided

Web

10/25/24

Closed with non-monetary relief

Yes

Topic: Incorrect information on credit report due to identity theft | Relevance: 2

Topic: Incorrect information on credit report due to identity theft

10/17/24

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

SC

XXXXX

Consent provided

Web

10/17/24

Closed with non-monetary relief

Yes

Topic: Credit report dispute resolution delay | Relevance: 2

Topic: Credit report dispute resolution delay

10/25/24

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 previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MS

39157

Consent provided

Web

10/25/24

Closed with non-monetary relief

Yes

Topic: Request to remove inaccurate information from credit report | Relevance: 1

Topic: Request to remove inaccurate information from credit report

11/24/24

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, Texas XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : REQUEST LETTER TO REMOVE INACCURATE INFORMATION To Whom It May Concern, Please accept this formal letter as my first request to investigate and remove derogatory accounts/items from my consumer report. After, a careful review of my report I noticed my report had errors and also suspected fraud. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15 U.S.C. $ 1681a ( f ), you are governed by the Fair Credit Reporting Act ( 'FCRA '' ). 15 U.S.C. 1681, et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file. The FCRA states that it's the consumer reporting agency 's responsibility to ensure that all information contained within consumer files is accurate and free from errors. Your company is regularly engaged in the business of assembling, evaluating, and disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S.C. {$1600.00} ( d ), to third parties. According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to:1 ) follow reasonable procedures to assure the maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ). This section imposes a high and often disregarded standard on consumer reporting agencies. See, e.g.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ) ( breaking down the requirements of XXXX ( b ), and explaining that " assure ' means XXXX make sure or certain : put beyond all doubt, ' [ maximum ' means the 'greatest in quantity or highest degree attainable [, ] ' and 'possible ' means something falling within the bounds of what may be done, occur or be conceived. '' ( quoting XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX ( XXXX ) ) ; XXXX ) comply with the investigation requirements, as required by 15 U.S.C. 1681i ; 3 ) should not provide consumer files to companies without determining that these companies had a permissible purpose to obtain consumer files pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer file pursuant to 15 U.S.C. 1681g ; 5 ) et seq. Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my consumer report. See. Exhibit A. In completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the accounts/items I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. I have attached my SSN, utility bill, and drivers licesense Sincerely, XXXX XXXX XXXX EXHIBIT A I hereby dispute these derogatory accounts and request the following items be thoroughly investigated and deleted from my consumer report, please see below : Name of Account, Name of Source, Type of Item Account Number or Identifier Creditor Name, Debt Collector Name, or Dispute Matter Account #, Reference #, etc... Creditor Name, Debt Collector Name, or Dispute Matter Account #, Reference #, etc... Remove this address XXXX XXXX XXXX, XXXX, TX XXXX FRAUD Remove this address XXXX XXXX XXXX XXXX XXXX Remove this address XXXX XXXX XXXX XXXX Remove this address XXXX XXXX XXXX XXXX XXXX XXXX Remove this address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Remove this address XXXX XXXX XXXX XXXX Remove this address XXXX Winding XXXX XXXX XXXX XXXX XXXX Remove this address XXXX XXXX XXXX XXXX XXXX Remove this address XXXX XXXX XXXX XXXX XXXX Remove this address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Remove this address XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Remove this address XXXX XXXX XXXX XXXX, TX XXXX XXXX this XXXX XXXX XXXX XXXX. XXXX Remove this address XXXX XXXX XXXX XXXX XXXX XXXX Remove this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX this address XXXX XXXX XXXX. XXXX Remove this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX this address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX this address XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX Remove this address XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Remove this address XXXX XXXX XXXX XXXX, TX XXXX Remove this address XXXX XXXX XXXX. XXXX, TX XXXX Remove this address XXXX XXXX XXXX XXXX. XXXX XXXX, TX XXXX Remove this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Remove this address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX this address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX this address XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX this address XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX this XXXX XXXX Cedar Ridge XXXX XXXX, IL XXXX XXXX Remove this address XXXX XXXX XXXX XXXX. XXXX XXXX, TX XXXX Remove this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Remove this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Remove this address XXXX XXXX XXXX. XXXX, TX XXXX Remove this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Remove this address XXXX XXXX XXXX XXXX XXXX XXXX Remove this address XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX this address XXXX XXXX XXXX XXXX. XXXX, TX XXXX Remove this address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX this phone number XXXX Remove this phone number XXXX Remove this phone number XXXX Remove this phone number Invalid Remove this email XXXX Remove this email XXXX Remove this email XXXX Remove this email XXXX Remove this email XXXX Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and email Online Marketing Record XXXX - name, address, and email Online Marketing Record XXXX - name, address, and email Online Marketing Record XXXX - name, address, and email Online Marketing Record XXXX - name, address, and email Online Marketing Record XXXX - name, address, and email Online Marketing Record XXXX - name, address, and email Online Marketing Record XXXX -name, address, and email Online Marketing Record XXXX - name, address, and email Online Marketing Record XXXX - name, address, and email Online Marketing Record XXXX - name, address, and email Online Marketing Record XXXX name, address, and email Remove this name XXXX XXXX Remove this name XXXX XXXX XXXX XXXX this name XXXX XXXX XXXX XXXX this name XXXX XXXX XXXX XXXX this name XXXX XXXX XXXX XXXX this name XXXX Remove this XXXX XXXX XXXX ADDITIONALLY * Please add a promotional suppression to my consumer file.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Velocity Portfolio Group

TX

77082

Consent provided

Web

11/24/24

Closed with explanation

Yes

Topic: Incorrect information on credit report | Relevance: 1

Topic: Incorrect information on credit report

10/25/24

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am writing to formally request the blocking and deletion of specific accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. The following accounts are involved : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

NJ

08902

Consent provided

Web

10/25/24

Closed with non-monetary relief

Yes

Topic: Identity theft and missing information on credit report | Relevance: 2

Topic: Identity theft and missing information on credit report

10/25/24

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 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

60620

Consent provided

Web

10/25/24

Closed with non-monetary relief

Yes

Topic: Incorrect credit reporting | Relevance: 2

Topic: Incorrect credit reporting

11/18/24

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

Automotive Credit Corp. is falsely reporting I owe them. the truck that was on the loan was totaled XXXXXXXX XXXX Paid their portion And Gap paid theirs. A.C.C falsely reported on my credit and owed amount and I disputed it and was found correct. Not days after they added another owed amount like I missed a payment in XXXX It seems their deliberately messing up my credit. They charged off a dollar amount then added a new amount as if I owed and missed a payment. They have the power to destroy Peoples credit and their doing it to me. I co signed for that loan for a friend because they had bad credit.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

AUTOMOTIVE CREDIT CORPORATION

MN

55414

Older American

Consent provided

Web

11/21/24

Closed with explanation

Yes

Topic: Court order regarding credit report misuse | Relevance: 2

Topic: Court order regarding credit report misuse

10/25/24

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

On XX/XX/XXXX of XXXX We went to court over this .One the order the order is blank. A copy of this order was sent to all credit reporting agencies. And the child support on that amount is not social security number. All credit reporting agencies will receive this and so will the child support registry in XXXX. If is found harsment. There will be a law suit filed. If one on can understand that court order. Where it starts blank in the order. By law I have the right to see that court order the child support registry has. To make sure everything matches what I have

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CO

801XX

Consent provided

Web

10/25/24

Closed with non-monetary relief

Yes

Topic: Credit report error correction | Relevance: 2

Topic: Credit report error correction

10/18/24

Credit reporting or other personal consumer reports

Credit reporting

Problem with a company's investigation into an existing problem

Their investigation did not fix an error on your report

TransUnion send me update on XX/XX/year> that account was deleted, looked at my consumer report as of XX/XX/year> and still showing on consumer report needs to be fixed asap! TransUnion is causing me hardship

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

28540

Consent provided

Web

10/18/24

Closed with explanation

Yes

Topic: Incorrect information on credit report | Relevance: 1

Topic: Incorrect information on credit report

10/17/24

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information is missing that should be on the report

I 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.

WI

53224

Consent provided

Web

10/17/24

Closed with non-monetary relief

Yes

Topic: Unrecognized credit inquiries | Relevance: 2

Topic: Unrecognized credit inquiries

10/17/24

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 require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

XXXXX

Consent provided

Web

10/17/24

Closed with explanation

Yes

Topic: Credit report dispute verification issues | Relevance: 2

Topic: Credit report dispute verification issues

10/16/24

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

Subject : Request for Reinvestigation and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by credit agency. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. Background : On [ XX/XX/2024 ], I submitted a dispute to regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

313XX

Consent provided

Web

10/16/24

Closed with explanation

Yes

Topic: Large direct deposit and cash bonus dispute | Relevance: 7

Topic: Large direct deposit and cash bonus dispute

11/19/24

Checking or savings account

Checking account

Opening an account

Didn't receive terms that were advertised

BMO online banking advertised a bonus promotion of {$500.00} code XXXX to new Relationship Checking customer will be deposited to the account should a direct deposit of at least {$7500.00} occurred within 90 days of the account opening. On about XX/XX/XXXX I opened a checking and savings with BMO. XXXX XXXX was the banker who verified my personal credentials in opening checking and savings account ending with XXXX and XXXX respectively. However, there were some mishaps occurred on the part of BMO bank, i.e. the checks order shipment was lost, direct deposit was rejected. After about 3 months handling these mishaps Takesha 'gave up, and closed the checking account ending with XXXX ' on XX/XX/XXXX. A new cash bonus promotion was in effect, that {$600.00} cash bonus was given for new account should direct deposit of at least {$7500.00} occurred. I was assured by XXXX XXXX when he opened my replacement checking ending with XXXX that {$600.00} cash bonus will be deposited into my checking by XX/XX/XXXX should I made arrangement for the direct deposit asap. I met all requirement to earn the {$600.00} cash bonus. However, BMO FAILED TO HONOR THEIR MARKETING PROMISE WITHOUT A JUSTIFIED REASON. After a few attempts to request BMO to make remedy I decided to close the accounts with BMO to avoid monthly fees. I also told XXXX XXXX that I WILL FILE a complaint with CFPB against the bank for their deception, dishonor toward the consumer. Thus, this complaint is now filed.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

BMO Bank, N.A.

TX

77379

Consent provided

Web

11/19/24

Closed with explanation

Yes

Topic: Incorrect information on credit report | Relevance: 1

Topic: Incorrect information on credit report

10/16/24

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am submitting a request as a consumer and would like to ensure that my personal information on file is up to dateandaccurate.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

10472

Consent provided

Web

10/16/24

Closed with non-monetary relief

Yes

Topic: Consumer dispute resolution for inaccuracies in credit reports | Relevance: 1

Topic: Consumer dispute resolution for inaccuracies in credit reports

10/16/24

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33062

Consent provided

Web

10/16/24

Closed with non-monetary relief

Yes

Topic: Credit report dispute and request for account deletion | Relevance: 1

Topic: Credit report dispute and request for account deletion

10/16/24

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

Subject : Final Follow-Up Regarding XXXX XXXX Disputes and Request for Immediate Deletion and Block under Section 605C of the Fair Credit Reporting Act ( FCRA ) I am writing to follow up on my previous disputes and requests regarding the removal of accounts from my credit report under Section 605C of the Fair Credit Reporting Act ( FCRA ). I filed a dispute as a victim, provided all necessary documentation, and requested the immediate deletion and blocking of accounts related to this unfortunate situation. However, despite the legal requirements, these accounts have yet to be removed from my credit report and additional information being requested to purposely delay compliance. I. XXXX XXXX Block Request As previously documented, I am a victim, and the accounts reported on my credit report were the result of actions taken by my abuser, not my own voluntary financial activities. These accounts should have been blocked and deleted within four business days of your receipt of my original dispute, as mandated by FCRA Section 605C. Yet, I see that these harmful entries are still being reported. II. Legal Obligations Under FCRA Section 605C Under FCRA Section 605C ( 15 U.S.C. 1681c-2 ), you are required to : 1. Block the information appearing on my credit report 2. Permanently remove any accounts or inquiries resulting from this situation from my credit file and refrain from disclosing this information to third parties. Failure to comply with these legal obligations not only violates my rights but also exposes your agencies to potential legal consequences, including civil damages for failing to meet your statutory duties. III. Immediate Action Demanded This letter serves as a final demand for the immediate removal of all accounts associated with my request. Specifically, I request : 1. Immediate and permanent deletion/blocking of all adverse accounts and inquiries stated prior 2. Written confirmation that the accounts have been deleted and that no further adverse information related to these incidents will appear on my credit report. 3. Cease and desist from further reporting, sharing, or disclosing these accounts to any third party. IV. Failure to Comply Should you fail to resolve this matter within 10 business days from the date of this letter, I will have no choice but to take legal action, including but not limited to : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Pursuing civil litigation to seek all available remedies under federal law, including actual damages, statutory damages, punitive damages, and attorneys fees as allowed under the FCRA. V. Conclusion I have provided the required documentation and exercised patience while waiting for your compliance. Your failure to act within the legal timeframe is unacceptable and constitutes a clear violation of the FCRA. I expect this matter to be resolved immediately to avoid further legal escalation. Thank you for your prompt attention to this final request. Please send written confirmation of the deletion and actions taken to my address or email within 10 business days.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

787XX

Consent provided

Web

10/16/24

Closed with explanation

Yes

Topic: Debt collection dispute | Relevance: 2

Topic: Debt collection dispute

11/24/24

Debt collection

I do not know

False statements or representation

Attempted to collect wrong amount

CKS Prime Investments is reporting a collection account on my consumer report that has not been verified or properly validated. This is a violation of the FCRA AND FDCPA. THIS ACCOUNT IS STILL REPORTING ON MY CONSUMER REPORT AND MUST BE DELETED IMMEDIATELY. IF THIS ACCOUNT IS NOT DLETED WITHIN THE TIME GIVEN IN THE DISPUTE THAT IS IN THE RESOLUTION BOX, I WILL SEEK FOR DAMAGES AND STATITORY DAMAGES. UP TO {$1000.00} PER VIOLATION PLUS EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Velocity Portfolio Group

OH

44511

Consent provided

Web

11/24/24

Closed with explanation

Yes

Topic: Credit report error correction | Relevance: 2

Topic: Credit report error correction

10/26/24

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

Im certain I make my payments on time, but I dont know why this company is reporting late payments for some months. As per USC 1666b, any billing error should be corrected, showing my payments were made as agreed.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

60409

Consent provided

Web

10/26/24

Closed with non-monetary relief

Yes

Topic: Incorrect account information on credit report | Relevance: 1

Topic: Incorrect account information on credit report

11/29/24

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

CITIBANK, N.A.

MD

20904

Consent provided

Web

11/29/24

Closed with non-monetary relief

Yes

Topic: Identity theft and fraudulent accounts on credit report | Relevance: 2

Topic: Identity theft and fraudulent accounts on credit report

10/25/24

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 reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MA

02021

Consent provided

Web

10/25/24

Closed with non-monetary relief

Yes

Topic: Credit report dispute resolution | Relevance: 2

Topic: Credit report dispute resolution

10/25/24

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 previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

77070

Consent provided

Web

10/25/24

Closed with non-monetary relief

Yes

Topic: Debt collection dispute over inflated amount | Relevance: 3

Topic: Debt collection dispute over inflated amount

11/22/24

Debt collection

Rental debt

False statements or representation

Attempted to collect wrong amount

XXXX XXXX XXXX XXXX at XXXX XXXX XXXX located in XXXX XXXX CO is currently under investigation by XXXX XXXX XXXX XXXX for XXXX civil/disability discrimination complaint. Prior to HUD taking action on my behalf, I was a long-time tenant at XXXX XXXX XXXX which my tenancy ended XX/XX/XXXX after providing a 30 day notice pursuant to my month to month lease agreement. At that time, XXXX was aware of a medical condition adversely impacting my ability to pay rent on time. XXXX, XXXX XXXX - XXXX XXXX- indicated to me she did not want to send my account to collections as she knew it would hurt my credit. However, that is what she did. After paying my outstanding balance for many months, XXXX verified my current balance owed was {$2700.00}. I filed a complaint as advised by legal counsel I may want to do to preserve my right to address a discrimination complaint. After I filed this complaint, XXXX XXXX submitted an over-inflated balance to collections for almost double this amount. The collection company placed this on my credit report which adversely impacted my ability to secure new housing. I contacted the collections company, Carter Young within a few days after receiving a collections letter from them that stated if the amount is disputed by XX/XX/XXXX, which it was, they would cease reporting collections activity. They did not follow this promise. Instead, they continued to report the wrong amount. I contacted them again recently and was told to update my portal with this information that the debt amount was not correct. Carter Young has yet to address this and the wrong amount remains in collections and is continuing to hurt my credit score.

Company believes it acted appropriately as authorized by contract or law

Carter-Young, Inc.

CO

80524

Consent provided

Web

11/26/24

Closed with explanation

Yes

Topic: Incorrect late payment reporting | Relevance: 2

Topic: Incorrect late payment reporting

10/25/24

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

Hello Sir/Madam, I recently viewed my credit report and noticed an incorrect or inaccurate report from a consumer reporting agency that I had a 30-day late payment with XXXX XXXX XXXX in XX/XX/XXXX . I have contacted XXXX XXXX XXXX by phone, and they told me to dispute this with all 3 credit bureau reporting agencies. This account has always been paid on time and has never been late since XX/XX/XXXX ; and have attached a copy of my payment records. The consumer reporting agency needs to report all information with complete accuracy. " 15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''. Below, I have attached an accurate credit report from XXXX XXXX XXXX of all three bureaus reporting inaccurately. Therefore, I am now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding, and respectfully I look forward to your immediate action.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

287XX

Consent provided

Web

10/25/24

Closed with non-monetary relief

Yes

Topic: Large withdrawal attempt and unresolved account closure issues | Relevance: 7

Topic: Large withdrawal attempt and unresolved account closure issues

11/16/24

Checking or savings account

Checking account

Closing an account

Funds not received from closed account

On XX/XX/year> I had {$6700.00} in my Citibank Checking account. I attempted to pay a bill via wire transfer to XXXX XXXX XXXX XXXX for {$6600.00}. I successfully answered questions from the fraud department about the wire transfer. ( I initially missed the call, but I called them back and answered their questions. ) Even still, Citibank canceled the transaction. Before this I had {$75.00} in my account. My mom and grandmother gave me another {$6700.00} to pay this bill. Citibank sent me a letter on XX/XX/year> stating that they were closing the account and that they would refund me the remaining funds in my account within 60 days. That was 6 months ago and I still have not received the funds from that account. In XX/XX/year>, I went into the branch where I opened the account and asked to get the funds back, and they refused. They assured me that since the account was closed, they will refund the remaining funds in the account at the time of closure within XXXX weeks. But they did not. I have since called Citibank several times and they said they they would return the money to the sources of the transfer to me -- my mom and my grandmother, however they have not returned the money to them either, nor did they return the money I had in there before. I wrote Citibank a letter on XX/XX/year> about the matter and they have not responded. It has been 6 months and they refuse to talk to me, they refuse to give me access to bank statements, they refuse to refund my money, and they refuse to give my mom and my grandmother their money back.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

CITIBANK, N.A.

MD

21212

Consent provided

Web

11/16/24

Closed with monetary relief

Yes

Topic: Incorrect credit inquiries | Relevance: 2

Topic: Incorrect credit inquiries

10/25/24

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

11412

Consent provided

Web

10/25/24

Closed with explanation

Yes

Topic: Loan dispute and unauthorized information sharing | Relevance: 3

Topic: Loan dispute and unauthorized information sharing

11/18/24

Vehicle loan or lease

Loan

Managing the loan or lease

Problem with fees charged

I opened a loan with Hyundai Motor Finance in XXXX. I attempted to trade in the vehicle with a different company on a different vehicle. The new dealership called Hyundai Motor Finance for a payoff amount and the employee of Hyundai Motor Finance gave information from my account to the new company without permission and told the new company not to do business with me because they claimed my loan was in default. My loan was not in default, there was an issue with a deferment agreement and they put my account in default without resolving the deferment agreement issue. The new company refused to do business with me, and Hyundai Motor Finance is to blame for that. In addition, Hyundai Motor Finance has told me that the actions of their employee violated the law and their company policy. I have made multiple attempts to resolve these issues, but Hyundai Motor Finance keeps adding excessive interest to my account and claiming I own them more than double the amount of the note. I attempted several times to make payments on the note, only to be refused by their website. I called them and they told me I am had to pay a charge to make payments over the phone even though the web page payments are free.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

HYUNDAI CAPITAL AMERICA

LA

706XX

Consent provided

Web

11/18/24

Closed with explanation

Yes

Topic: Debt collection dispute over incorrect amount | Relevance: 2

Topic: Debt collection dispute over incorrect amount

11/21/24

Debt collection

I do not know

False statements or representation

Attempted to collect wrong amount

This was paid after being charged off.They are reporting inaccurate information, the account is reporting years of late payments after being in collections

Company believes it acted appropriately as authorized by contract or law

January Technologies, Inc

FL

336XX

Consent provided

Web

11/21/24

Closed with explanation

Yes

Topic: Identity theft and fraudulent credit accounts | Relevance: 3

Topic: Identity theft and fraudulent credit accounts

10/25/24

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am filing this FTC Identity Theft Affidavit to report a fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX XXXX around XX/XX/year>. This accounts have resulted in several fraudulent hard inquiries and fraudulent late payments on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30319

Consent provided

Web

10/25/24

Closed with non-monetary relief

Yes

Topic: Large unexpected deposit from a flex loan | Relevance: 8

Topic: Large unexpected deposit from a flex loan

11/18/24

Credit card

General-purpose credit card or charge card

Other features, terms, or problems

Other problem

XX/XX/XXXX I woke up to a large deposit of {$11000.00} in my XXXX checking account. Having no idea where the money came from, I eventually tracked it down. It was from a " Flex Loan '' from Citibank that was issued to me through my credit card. I never opened this loan. I never requested it. I don't even know what a flex loan is. I also happen to have about {$19000.00} in credit card debt from Citibank already, so getting a loan is the last thing I wanted or needed. So I called customer service and explained the situation and say that I'd like to give back the money and close this loan that I didn't open or request. Even XXXX. A wash. But I was consistently denied. They did issue my a new card, opened a fraud case ( nothing ever happened ). Also, this happened with my old card, not my current one. I don't have that card number any longer. Thus begins my journey. Since the beginning of XXXX I have spoken to Supervisers, Executive Response Team, Customer Service; anyone I can. I was consistently told that I can't close the account, even if I pay back the money. Since I'm in debt already, the money would go to towards the debt I already have. I did pay it back, because I just didn't want it. NOW, I pay interest on this loan. My monthly payments have increased. I personally feel as if I am being robbed. Citibank is just taking my money every month on a loan I didn't ask for, and no longer have. When I tell you I have spoken to every department I possibly can, I am not kidding. I am attaching the response from the " Executive Response Team '', which doesn't quite relate to my issue. I'm also sending partial copies of a few of my bank statements. You can see in XXXX, when I didn't have the loan that my payment was around {$250.00}. My interest payments weren't that bad. However, in the other two, you can see the Citi Flex Loan XXXX, with {$130.00} interest in XXXX, {$120.00} in XXXX and {$83.00} in XXXX. Plus the flex loan payment of {$270.00}. I am at my wits end. I can't afford this. I have debt elsewhere as well. I can't keep giving Citibank money. I feel as if I am talking and no one is listening. I was told time and time again that the Executive Response Team are the people to call. I have done that. No help. I filed another complaint. Still waiting to hear what they say, but the agent I spoke to wasn't very helpful. Please help I don't know where else to turn, or who to call. All I want is my money back, and to get rid of the loan. Until then then I will continue to pay a lot more interest that I need to. Look forward to hearing from you. XXXX XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

CITIBANK, N.A.

CA

90068

Consent provided

Web

11/18/24

Closed with explanation

Yes

Topic: Dispute over inaccuracies in credit report due to incorrect late payment information. | Relevance: 2

Topic: Dispute over inaccuracies in credit report due to incorrect late payment information.

11/18/24

Credit reporting or other personal consumer reports

Credit reporting

Problem with a company's investigation into an existing problem

Their investigation did not fix an error on your report

This is a follow to the closed complaint from Shellpoint on XX/XX/XXXX. They responded as a stall but did not acknowledge that the dates were different in my subsequent complaint. On XX/XX/XXXX I submitted a new complaint to Shellpoint mortgage services and mentioned in that complaint that it was not a similar complaint and provided additional documentation as to the errors on my credit report. The correspondence attached is Shellpoint in writing stating they made a mistake but also stating they found no errors. This is contradictory. They responded on XX/XX/XXXX which further confirms they didnt do properly due diligence. This is error XXXX, Shellpoint please confirm this is correct. In XXXX I submitted a complaint provide a time stamped screenshot of my attempt to extend my forbearance that was ending in XXXX. The time stamp indicated XX/XX/XXXX. Shellpoint stated they sent me correspondence via mail I acknowledged as not received. They also stated they didnt receive my application online but I have proof of my attempt. When I finally was able to contact someone it was XX/XX/XXXX and I requested an extension of my forbearance. XXXX days later I was told that it was approved for the next month. XXXX not sure how that is possible if I requested an extension. Shellpoint mentioned in response to my dispute that I was supposed to submit the request within XXXX business days of my forbearance ending. That information was not translated in the hard correspondence they submitted in response to my complaint. I combed the correspondence letter and didnt see anything about a 5 day buffer period. I also did not receive a call providing this information. Your instructions state on your website to submit a request for extension. My attachment proves I did in fact do that. I requested that Shellpoint provide the outbound call log of attempts made by their loss mitigation team. They didnt provide and further confirms they did follow their written protocol as it relates to loss mitigation process. I also raised in my XX/XX/XXXX complaint they updated my credit report on XX/XX/XXXX as delinquent instead of the true status of in forbearance. If my account was in forbearance effective XX/XX/XXXX was as of today my credit report dated XX/XX/XXXX indicates I am not in forbearance but delinquent as of XX/XX/XXXX. This is is indeed an error. Your correspondence confirmed my forbearance but it it isnt reflective on my credit report in XXXX? I also requested the audio transcript be pulled that indicated the contradictory information provided but after XXXX complaints that information was not confirmed as accessed. I am writing to dispute the accuracy of the late payment information on my credit report. I have reviewed my credit report from [ Credit Bureau XXXX ], and I have identified discrepancies in the reporting of late payments. Below, I have outlined the incorrect information as it appears on my credit report : I am bringing to your attention that under the provisions of the Truth in Lending Act, XXXX XXXX XXXX, it is required that creditors provide accurate information regarding account status and payment history. I believe that the reported late payments do not accurately reflect my history and payment status. I have attached relevant documents, such as bank statements or payment records, to support my claim. I kindly request that you investigate this matter and rectify the inaccuracies on my credit report promptly. It is within my rights, as granted by XXXX XXXX XXXX, to have accurate information on my credit report. Please provide me with a written response regarding the results of your investigation within 30 days, as mandated by law. Thank you for your prompt attention to this matter. I look forward to your timely response I am also sending a copy of this complaint to the CEO of Shellpoint as it is my last attempt to rectify the errors on my credit report. This is now considered a demand letter. I will be seeking monetary damages. Responding youve found no errors but also admitting you made mistakes is a violation under the FCRA.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Shellpoint Partners, LLC

MD

207XX

Consent provided

Web

11/18/24

Closed with explanation

Yes

Topic: Large deposit issues and account verification | Relevance: 8

Topic: Large deposit issues and account verification

11/23/24

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

Thursday I went to branch on XXXX XXXX XXXX to deposit a check from my family 's trust fund. The check was distributed by XXXX XXXX however I had just opened my account days prior with Wells Fargo. I knew it could possibly be a complex issue with my out of state drivers license, it being a new account and the amount I understood what the process would be. When I went to teller I explained to her the situation and the amount of the check. I explained to her that I wanted to DEPOSIT it in my account. I told her I knew the process of holding the check to verify it and I am okay with that, whatever the time limit would be is fine. She ran my check thru the machine and stated they needed to call to verify it. I told her that was totally fine. The manager comes out to look at the check. Im explaining to her the same thing and she barely engaged with me, she wasnt welcoming at all. I had the feeling of discrimination. However I went against my gut. I waited for over 15 mins just to be told no one is picking up and they can not deposit my check. Im thinking the time of day maybe the verification team is on lunch. I came the next day right when they opened thinking its early and someone will answer when they call to verify it. Again the same teller that helped me the day prior said they would have to call to verify it Im like thats fine. She goes in the back 10 mins later she tells me no one is picking up. Im like really. I tried two other branches the XXXX XXXX XXXX by the XXXX XXXX and the one off XXXX XXXX in XXXX. I was treated the same I feel the manager at the XXXX XXXX branch flagged my account about the check I was trying to deposit. Yes I understand its a new account with no activity as well as the DL and the amount. However my account is open I have a legit DL and the check is legit. So why did yall make it so impossible to DEPOSIT a check that was written out to ME with my account in my name and hold the check until its verified?? Its fine though I got it handled. XXXX XXXX on XXXX XXXX help me open an account and had absolutely no problem depositing my check. Ive closed my account this is the worst service ever. There are other reviews about discrimination from this particular branch. Legal action

Company has responded to the consumer and the CFPB and chooses not to provide a public response

WELLS FARGO & COMPANY

TX

77049

Consent provided

Web

11/23/24

Closed with explanation

Yes

Topic: Large interest and fee charges on a paid-off credit card | Relevance: 5

Topic: Large interest and fee charges on a paid-off credit card

11/19/24

Credit card

General-purpose credit card or charge card

Fees or interest

Problem with fees

I paid off my Citi Credit Card in XX/XX/year>. The account was in collections before I paid the card off and citi chose to end their relationship with me which I am completely in agreement with. They removed the account from my online banking the day after the account was settled. So I had no way of accessing the account any more. I considered this matter resolved since the full balance owed was paid. I found out by having my credit report pulled that there was back dated interest in the amount of {$42.00} due which I was happy to pay. Citi did not inform me of the interest due instead they charged me several months of late fees and interest on the late fees. When I called to resolve this matter and inform them of their error I was informed that they would not be waiving the late fees because I had already had fee waivers. I explained to them that this was not me asking them to waive a fee but me informing them that they have a process error. There is no communication that comes from them once the account is removed off online banking and that I was not informed of the interest owed but im happy to pay it minus the late charges. I informed them that this is unethical. They told me they couldn't help me which is a direct violation of Regulation Z.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

CITIBANK, N.A.

NC

28012

Consent provided

Web

11/19/24

Closed with monetary relief

Yes

Topic: Removal of security freeze on credit report | Relevance: 2

Topic: Removal of security freeze on credit report

10/25/24

Credit reporting or other personal consumer reports

Credit reporting

Problem with fraud alerts or security freezes

I am writing to request the removal of the security freeze currently placed on my credit report. Below are my details for your reference :

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

310XX

Consent provided

Web

10/25/24

Closed with non-monetary relief

Yes

Topic: Incorrect account status reporting | Relevance: 2

Topic: Incorrect account status reporting

10/16/24

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

Regarding my XXXX credit card account, XXXX : On XX/XX/XXXX ( XXXX XXXX EST ), I called TransUnion ( File Number # XXXX ) and spoke with XXXX in customer service and explained the entire payment history surrounding this account and its current incorrect reporting status of 120 days late. He reviewed the account details and said he was able to see that XXXX had submitted documentation to TransUnion, regarding this account on XX/XX/XXXX and on XX/XX/XXXX, but that he was unable to review the specific documents due to his restricted computer access and employee status. However, he said that he would contact a supervisor for me to discuss the document contents and the supervisor will be able to update the accounts late status based on the files current information. I was transferred to XXXX, a supervisor, and I explained the current incorrect reporting status for this account. He reviewed the information on the account which was currently being reported by TransUnion and he also reviewed the documentation which had been submitted to TransUnion by XXXX. He then informed me that according to the information received by XXXX the account was being correctly reported as 120 days late and that the account status was also being reported as closed. I informed him that this was impossible and again informed him of all the actions which had been taken by XXXX on my behalf for this account and that XXXX had also submitted Adverse/Corrective Action letters to the three reporting bureaus to correct the late payment status for this account. He said that there was no such documentation to that effect for this account in TransUnions computer system and that if I had any documentation, I needed to mail this information to TransUnion for consideration and review. I then informed XXXX, that I had received a letter from XXXX XXXX XXXX XXXX XX/XX/XXXX, which confirmed that the account had been closed on XXXX and that the letter noted the accounts balance at the time of closure was {$0.00}. I then asked XXXX, according to this letter from XXXX XXXX XXXX how can this account be showing as 120 days late in your computer system, if it was closed on XX/XX/XXXX with a {$0.00} balance. Once again, XXXX stated that he was not showing any information to this effect and that I needed to mail any documentation to TransUnion, to support my dispute. He also stated that email and fax services were not available as a type of documentation submittal source, mail only. XXXX said that he would notate the account regarding my inquiry and that he would indicate that I was disputing the current late status of this account, pending the receipt of this documentation.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33914

Consent provided

Web

10/16/24

Closed with non-monetary relief

Yes

Topic: Dispute over negative accounts on credit report | Relevance: 2

Topic: Dispute over negative accounts on credit report

10/19/24

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting. Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received. ******IMPORTANT****** PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MS

39056

Consent provided

Web

10/19/24

Closed with non-monetary relief

Yes