FDCPA 807 ( 8 ) Issue : Charged-off status is misleading and unresolved Story : This account has a {$0.00} balance and should not be reported as a charge-off. Its continued presence harms my credit unfairly and is unverifiable XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Law : FCRA 611

What the CFPB Record Shows About FDCPA 807 ( 8 ) Issue : Charged-off status is misleading and unresolved Story : This account has a {$0.00} balance and should not be reported as a charge-off. Its continued presence harms my credit unfairly and is unverifiable XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Law : FCRA 611

FDCPA 807 ( 8 ) Issue : Charged-off status is misleading and unresolved Story : This account has a {$0.00} balance and should not be reported as a charge-off. Its continued presence harms my credit unfairly and is unverifiable XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Law : FCRA 611 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 LATE, and the most recent logged activity is LATE PAYME, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, FDCPA 807 ( 8 ) Issue : Charged-off status is misleading and unresolved Story : This account has a {$0.00} balance and should not be reported as a charge-off. Its continued presence harms my credit unfairly and is unverifiable XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Law : FCRA 611 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 "607 ( b ) Issue : Inaccurate late payment reported Story : I previously disputed this account but received no meaningful verification. The late payment was never properly validated and remains unverified. Please reinvestigate and remove if it can not be proven XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} XXXX XXXX Law : FCRA 611", and the single most common underlying issue is "607 ( b ) Issue : Alleged late payment remains unvalidated Story : No sufficient documentation has been provided to confirm the accuracy of this negative mark. I request a proper reinvestigation and deletion if unverifiable XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX XXXX Law : FCRA 611".

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 FDCPA 807 ( 8 ) Issue : Charged-off status is misleading and unresolved Story : This account has a {$0.00} balance and should not be reported as a charge-off. Its continued presence harms my credit unfairly and is unverifiable XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Law : FCRA 611: 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.