TransUnion

I am filing this complaint regarding inaccurate and unverifiable late payment information being reported on my credit reports by Equifax , Experian, and TransUnion. The account listed below contains inconsistent reporting between the credit bureaus, including conflicting account history details such as Last Activity Date, Date of Last Payment, Last Reported Date, account classification, and account rating. Although the account is reported as closed with a XXXX balance, the bureaus continue to report a XXXX late payment that has not been accurately verified. I am requesting that all inaccurate late payment information be fully investigated under the Fair Credit Reporting Act ( FCRA ) and that any information that can not be verified as accurate and complete be corrected or deleted.…

I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair Credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information.…

There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

I am submitting this complaint because TransUnion continues to report a collection account that should have been removed from my credit report. I paid the T-Mobile balance of {$360.00} in full. XXXX XXXX XXXX sent me a letter dated XX/XX/year>, confirming that the account has a {$0.00} balance. I also contacted XXXX XXXX XXXX by telephone, and their representative informed me that XXXX XXXX XXXX submitted a deletion request to TransUnion on XX/XX/year>, requesting that this collection account be removed from my TransUnion credit report. Despite receiving this deletion request, TransUnion has failed to update my credit file and continues to report the collection account, which is inaccurate and is causing ongoing harm to my credit profile. I have attached the letter from XXXX XXXX XXXX confirming the account has been paid in full and has a XXXX balance.…

There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

XXXX XXXX XXXX lost payments on my account in XX/XX/XXXX when ive got a call from XXXX XXXX XXXX XXXX telling me payments were missing after showing bank statements it was corrected I, I never had missed payments. But that correction left me with a late payment in feb. Not paying attention I carried it XX/XX/XXXX. I was hit with a miss payment XXXX corrected that. XX/XX/XXXX XXXX was hit with a miss payment that was corrected XX/XX/XXXX. XXXX day before XX/XX/XXXX I refinance XXXX $ loan XXXX of XXXX paid of a XXXX dollar, XX/XX/XXXX loan but was hit with another missed pay XXXX of XXXX it was corrected. XX/XX/XXXX the small loan from XXXX of XXXX showing o balance and a late payment it was paid in full with on time payments.since XXXX .rhe account was closed in good standards .but never received for all those months a letter for XXXX st. XXXX XXXX XXXX XXXX Just keep requesting and not received.

There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

XXXXI am filing this complaint against Equifax, XXXX and TransUnion for continued reporting of inaccurate, unverifiable, and potentially fraudulent information on my consumer reports despite prior disputes and notice of possible identity theft. The bureaus have failed to maintain maximum possible accuracy, conduct a reasonable reinvestigation, remove inaccurate information, and properly address disputed data as required under the Fair Credit Reporting Act (FCRA).XXXXThe disputed negative accounts requiring correction and investigation areXXXXXXXX XXXX XXXX XXXX XXXX Reporting contains inaccurate balance information, incorrect credit limit information, and incorrect payment status.XXXX XXXX XXXX XXXX XXXX XXXX: Reporting contains inaccurate derogatory delinquency marks and misleading payment history information.\n\nThe following inaccurate personal information must be removed or corrected due to risk of mixed files and inaccurate reporting:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX…

There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

I am a victim of identity theft and have formally notified TransUnion that my consumer report contains fraudulent and unauthorized information. I provided identity verification documents and supporting documentation, yet TransUnion continues reporting an inquiry that I did not authorize, request, or benefit from. The disputed item is : XXXX. XXXX XXXX XX/XX/year>. This inquiry was made without my knowledge or consent and resulted from the misuse of my personal information. TransUnion has failed to properly block and remove this fraudulent information after receiving notice under FCRA XXXX. Continued reporting violates FCRA XXXX, XXXX, and XXXX ( b ) and demonstrates a failure to maintain maximum possible accuracy and conduct a reasonable reinvestigation. I demand immediate corrective action and permanent removal of this unauthorized inquiry.

They're just a loser and backstabbey as your XXXX XXXX. XXXX absorbed. Self serving sellout traitor house XXXX that think they can't catch karma. But an XXXX whipping is waiting for you. You XXXX are taking a beat down every day and come back for the check like XXXX. You track me and wreck passwords cause you stay your loser XXXX in erbody elses biz and don't handle your own XXXX jobs. All you loser gov XXXX need fired for getting paid when I can't and it's my XXXX money. All you XXXX are is XXXX big scam and you're the sellout XXXX helping them XXXX us. For barely above min wage. Your loser XXXX just came back and already not doin XXXX. Go XXXX yourselves

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Several accounts on my credit report contain information that does not accurately reflect my credit history. I have disputed these errors, yet they continue to be reported without adequate correction. Pursuant to FCRA Sections XXXX, XXXX, and XXXX, please investigate these accounts and remove any information that can not be fully substantiated.

I am submitting this complaint regarding information associated with a XXXX XXXX XXXX XXXX XXXX account and requesting that the CFPB obtain a substantive response from the company concerning the accuracy, documentation, and reporting of this account. The account is currently reporting as follows : * Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Responsibility : Individual * Account Type : Secured Loan * Original Balance : {$520.00} * Current Balance : {$0.00} * Monthly Payment : {$0.00} * Status : OK * Condition : Closed * Loan Term : 24 months * Date Opened : XX/XX/scrub>XXXX XXXX Last Payment Reported : XX/XX/year>XXXX XXXX Date Reported : XX/XX/year>XXXX XXXX Remarks : Closed I am requesting that XXXX XXXXXXXX XXXX XXXX XXXX provide documentation sufficient to substantiate the accuracy and completeness of the information associated with this account.

I recently reviewed my credit report and noticed accounts that I believe are the result of identity theft. These accounts do not relate to any transaction made by me and I did not authorize them. I previously contacted the credit bureau regarding this issue, but the accounts are still being reported on my credit report. I am submitting my Identity Theft Report along with proof of my identity and address. FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XX/XX/XXXX {$1500.00} Account Name : XXXX XXXX XX/XX/XXXX {$4600.00} UNAUTHORIZED INQUIRIES : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX AUTO Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX AUTO Inquired on XX/XX/XXXX…

I am submitting this complaint regarding multiple issues with my account ( XXXX ) with this company. Over a period of time, I have identified several discrepancies, including unauthorized or incorrect charges, billing errors, and/or inaccurate account information. I have made multiple attempts to resolve these issues directly with the company, but the responses have been insufficient, delayed, or have failed to address the problems. In some cases, the issues remain unresolved despite repeated follow-ups. These ongoing problems have caused financial impact and significant inconvenience. I am concerned about the accuracy of my account and the companys handling of my disputes.

XXXX XXXX XXXX XXXX, they need to remove this asap

Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXX v. Equifax Information Services LLC ( D. Ariz. 2018 ).

Attention TransUnion Compliance : This complaint is filed against your subsidiary, XXXX XXXX XXXX XXXX On XX/XX/XXXX, XXXX received a written request for a security freeze containing my personal identifying information, sent via USPS Certified Mail with return receipt. This request was mailed in the same envelope as my daughter 's own tracking package - Tracking Number : XXXX. On XX/XX/XXXX, an agent named XXXX explicitly confirmed to my daughter over the phone that XXXX has located and is in physical possession of my letter and identity documents. However, the agent stated that because I am not currently in their automated database, they can not process the freeze and demanded I mail a second set of physical documents. XXXX is currently holding my sensitive data and refusing to implement the legal security freeze required by federal law following a consumer request.

To Whom It May Concern, I am submitting this formal complaint regarding inaccurate, incomplete, and/or unverified information that TransUnion & Experian are currently reporting on my consumer credit file. This letter serves to document violations of federal consumer protection laws and to demand immediate corrective action. Statement of Facts : On or about XX/XX/year>, I reviewed my TransUnion credit report and identified several items that are inaccurate, improperly reported, and/or unsupported by proper verification. These items include, but are not limited to : * * * Accounts : * * XXXX XXXX BANK, XXXX XXXX XXXX BANK, XXXX/XXXX, XXXX XXXX BANK. As a consumer reporting agency, TransUnion & Experian are required to maintain accurate credit reporting practices and to delete or correct information that can not be properly verified. The continued reporting of these items has caused harm to my creditworthiness and constitutes violations of federal law.…

There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

I submitted a formal request to TransUnion to correct my personal identifying information, but inaccurate information continues to appear in my credit file. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ), TransUnion is required to maintain maximum possible accuracy and conduct a reasonable reinvestigation of disputed personal information. The continued reporting of incorrect names, aliases, addresses, or other personal identifiers increases my risk of identity theft and compromises the accuracy of my credit file. I respectfully request that the CFPB require TransUnion to remove all inaccurate personal information, update my file so that it reflects only my verified identifying information, provide me with an updated copy of my credit report, and ensure full compliance with the Fair Credit Reporting Act.

The Fair Credit Reporting Act ( " FCRA '' ) was enacted to ensure fairness, accuracy, and privacy in consumer reporting. Under FCRA 607 ( b ), 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of information reported. Additionally, under FCRA 611, 15 U.S.C. 1681i, the credit bureaus are required to conduct a reasonable reinvestigation of disputed accounts and delete or correct any information that can not be properly verified. Pursuant to information I am also prohibited under FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), from reporting information they know or should know is inaccurate.

There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.