and damaging entry Reporting multiple versions of the same alleged debt is illegal and misleading Delete immediately under FCRA 607 and 623 XXXX XXXX XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX Balance : {$1400.00} * * I dispute this account because the information being reported is inaccurate

What the CFPB Record Shows About and damaging entry Reporting multiple versions of the same alleged debt is illegal and misleading Delete immediately under FCRA 607 and 623 XXXX XXXX XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX Balance : {$1400.00} * * I dispute this account because the information being reported is inaccurate

and damaging entry Reporting multiple versions of the same alleged debt is illegal and misleading Delete immediately under FCRA 607 and 623 XXXX XXXX XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX Balance : {$1400.00} * * I dispute this account because the information being reported is inaccurate 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 XXXXXXXX X, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, and damaging entry Reporting multiple versions of the same alleged debt is illegal and misleading Delete immediately under FCRA 607 and 623 XXXX XXXX XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX Balance : {$1400.00} * * I dispute this account because the information being reported is inaccurate reports a 0% timely-response rate and has closed 0% 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 "TX XXXX WRONG ADDRESS This address has never belonged to me and has no connection to my identity This is a clear mixed-file error and violates FCRA 607 ( b ) because you are reporting inaccurate identifying information Remove immediately XXXX XXXX XXXX * * Charge Off Date Opened : XX/XX/XXXX Balance : {$5200.00} * * I have no knowledge of this account and have never authorized it This appears to be identity confusion", and the single most common underlying issue is "or inaccurate reporting FCRA 623 prohibits furnishing information that is false or unverifiable Delete this account immediately XXXX XXXX XXXX * * * Charge Off Date Opened : XX/XX/XXXX Balance : {$5200.00} * * Duplicate".

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 and damaging entry Reporting multiple versions of the same alleged debt is illegal and misleading Delete immediately under FCRA 607 and 623 XXXX XXXX XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX Balance : {$1400.00} * * I dispute this account because the information being reported is inaccurate: 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.