Total complaints
1
Filed since XXXX
2026 data Public-data reference. official source
611 ( a ) Issue : Late payments reported without verified delinquency Story : I have no memory of this delinquency and no proof has been provided
1 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
1 consumer complaints filed with the CFPB
This profile shows 611 ( a ) Issue : Late payments reported without verified delinquency Story : I have no memory of this delinquency and no proof has been provided's complaint history from CFPB public records. 1 consumers have filed complaints since XXXX. The company has a 0% timely response rate and has provided relief in 0% of cases.
1
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
1
States Active
XXXX
Since
Timely response
0%
CFPB-tracked response window
Relief rate
0%
Closed with monetary or non-monetary relief
Timely response rate 0.0%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 0.0%
Industry median
Share closed with monetary or non-monetary relief.
611 ( a ) Issue : Late payments reported without verified delinquency Story : I have no memory of this delinquency and no proof has been provided complaint mix by product
- MI XXXX 1 100.0% – 0% relief
How 611 ( a ) Issue : Late payments reported without verified delinquency Story : I have no memory of this delinquency and no proof has been provided's 1 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| MI XXXX Law : FCRA Section 609 ( c ) ( 2 ) Issue : Address misreported or duplicated from another entry Story : This location is inaccurately listed and contributes to a mixed file or file contamination scenario affecting my credit profile XXXX VERNIER XXXX | 1 |
Top States
| State | Complaints |
|---|---|
| and thus the derogatory status must be removed STATE OF MI XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} * * Law : FCRA Section 605 ( a ) ( 5 ) Issue : Account is outdated and still showing as active charge-off Story : This account is over XXXX XXXX XXXX and should have been automatically purged from my report in compliance with credit reporting time limits XXXX XXXX XXXX XX/XX/XXXX Law : FCRA Section 604 ( a ) ( 2 ) Issue : Hard inquiry was made without legitimate purpose or consent Story : I never applied for financing or credit with this company and request immediate removal of this unauthorized pull I am requesting that the Consumer Financial Protection Bureau take immediate action to investigate these serious violations of the Fair Credit Reporting Act and ensure that the credit bureaus and furnishers involved correct or delete all inaccurate | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| MI XXXX Law : FCRA XXXX XXXX ( a ) | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About 611 ( a ) Issue : Late payments reported without verified delinquency Story : I have no memory of this delinquency and no proof has been provided
611 ( a ) Issue : Late payments reported without verified delinquency Story : I have no memory of this delinquency and no proof has been provided has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 1 includes a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to XXXX, and the most recent logged activity is XXXX XXXX , giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, 611 ( a ) Issue : Late payments reported without verified delinquency Story : I have no memory of this delinquency and no proof has been provided reports a 0% timely-response rate and has closed 100% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "MI XXXX Law : FCRA Section 609 ( c ) ( 2 ) Issue : Address misreported or duplicated from another entry Story : This location is inaccurately listed and contributes to a mixed file or file contamination scenario affecting my credit profile XXXX VERNIER XXXX", and the single most common underlying issue is "MI XXXX Law : FCRA XXXX XXXX ( a )".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating 611 ( a ) Issue : Late payments reported without verified delinquency Story : I have no memory of this delinquency and no proof has been provided: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does 611 ( a ) Issue : Late payments reported without verified delinquency Story : I have no memory of this delinquency and no proof has been provided have?
611 ( a ) Issue : Late payments reported without verified delinquency Story : I have no memory of this delinquency and no proof has been provided has received 1 consumer complaints filed with the Consumer Financial Protection Bureau.
Does 611 ( a ) Issue : Late payments reported without verified delinquency Story : I have no memory of this delinquency and no proof has been provided respond to complaints on time?
611 ( a ) Issue : Late payments reported without verified delinquency Story : I have no memory of this delinquency and no proof has been provided has a 0% timely response rate to CFPB complaints.
What is the most common complaint about 611 ( a ) Issue : Late payments reported without verified delinquency Story : I have no memory of this delinquency and no proof has been provided?
The most common issue reported against 611 ( a ) Issue : Late payments reported without verified delinquency Story : I have no memory of this delinquency and no proof has been provided is "MI XXXX Law : FCRA XXXX XXXX ( a )" in the "MI XXXX Law : FCRA Section 609 ( c ) ( 2 ) Issue : Address misreported or duplicated from another entry Story : This location is inaccurately listed and contributes to a mixed file or file contamination scenario affecting my credit profile XXXX VERNIER XXXX" product category.
Read our methodology — how this data is sourced, computed, and verified.
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