FDCPA 809 Issue : Account reported as charge-off with no proof Story : I was not notified or given a chance to dispute the debt Instruction : Provide validation or delete this item XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$580.00} Chargeoff * * Law : FCRA 611

What the CFPB Record Shows About FDCPA 809 Issue : Account reported as charge-off with no proof Story : I was not notified or given a chance to dispute the debt Instruction : Provide validation or delete this item XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$580.00} Chargeoff * * Law : FCRA 611

FDCPA 809 Issue : Account reported as charge-off with no proof Story : I was not notified or given a chance to dispute the debt Instruction : Provide validation or delete this item XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$580.00} Chargeoff * * 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 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, FDCPA 809 Issue : Account reported as charge-off with no proof Story : I was not notified or given a chance to dispute the debt Instruction : Provide validation or delete this item XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$580.00} Chargeoff * * 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 "611 ( a ) Issue : Inaccurate address reported Story : I have never lived at this address and it does not belong to my credit file Instruction : Remove this address immediately and update your records XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address Law : FCRA 607 ( b )", and the single most common underlying issue is "623 ( a ) ( 1 ) Issue : Unverified and inaccurately charged-off Story : I was never given proper notice or validation of this debt Instruction : Investigate and remove or provide complete verification from original creditor BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} Chargeoff * * 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 809 Issue : Account reported as charge-off with no proof Story : I was not notified or given a chance to dispute the debt Instruction : Provide validation or delete this item XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$580.00} Chargeoff * * 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.