in violation of : FCRA 623 ( a ) ( 2 ) ( A ) Furnishing inaccurate information to consumer reporting agencies FCRA 623 ( a ) ( 5 ) Duty to report the original date of delinquency FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) Failure to notify me of reinsertion or re-reporting FDCPA 807 ( 2 ) ( A ) Misrepresentation of the legal status and timeline of a debt By refreshing the status date of a collection account that is over XXXX XXXX XXXX without a new payment

What the CFPB Record Shows About in violation of : FCRA 623 ( a ) ( 2 ) ( A ) Furnishing inaccurate information to consumer reporting agencies FCRA 623 ( a ) ( 5 ) Duty to report the original date of delinquency FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) Failure to notify me of reinsertion or re-reporting FDCPA 807 ( 2 ) ( A ) Misrepresentation of the legal status and timeline of a debt By refreshing the status date of a collection account that is over XXXX XXXX XXXX without a new payment

in violation of : FCRA 623 ( a ) ( 2 ) ( A ) Furnishing inaccurate information to consumer reporting agencies FCRA 623 ( a ) ( 5 ) Duty to report the original date of delinquency FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) Failure to notify me of reinsertion or re-reporting FDCPA 807 ( 2 ) ( A ) Misrepresentation of the legal status and timeline of a debt By refreshing the status date of a collection account that is over XXXX XXXX XXXX without a new payment 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 spec, and the most recent logged activity is specifical, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, in violation of : FCRA 623 ( a ) ( 2 ) ( A ) Furnishing inaccurate information to consumer reporting agencies FCRA 623 ( a ) ( 5 ) Duty to report the original date of delinquency FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) Failure to notify me of reinsertion or re-reporting FDCPA 807 ( 2 ) ( A ) Misrepresentation of the legal status and timeline of a debt By refreshing the status date of a collection account that is over XXXX XXXX XXXX without a new payment 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 "which caused a XXXX drop in my credit score. I am pursuing a new claim and demanding deletion based on this updated harm. This letter serves as a formal notice and demand regarding your unlawful reporting practices related to the collection account you have reported on my XXXX credit file", and the single most common underlying issue is "with no new activity or payments from me since that time. You previously reported this account years ago".

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 in violation of : FCRA 623 ( a ) ( 2 ) ( A ) Furnishing inaccurate information to consumer reporting agencies FCRA 623 ( a ) ( 5 ) Duty to report the original date of delinquency FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) Failure to notify me of reinsertion or re-reporting FDCPA 807 ( 2 ) ( A ) Misrepresentation of the legal status and timeline of a debt By refreshing the status date of a collection account that is over XXXX XXXX XXXX without a new payment: 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.