incorrect account status must be corrected Story : This account was resolved and closed. The charge-off is misleading and must be deleted XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Collection * * This is a duplicate of the above XXXX account XXXX causing double damage Law Issue : FCRA 605 and 607 prohibit duplicate negative entries for the same debt Story : This is a duplicate and misleading entry for the same account already listed by XXXX. Please remove it immediately XXXX XX/XX/XXXX Inquiry Hard inquiry conducted without permissible purpose Law Issue : FCRA XXXX ( a ) ( XXXX ) prohibits hard inquiries without my consent or application Story : I did not authorize any application or credit pull from XXXX. Please delete this inquiry XXXX XXXX XX/XX/XXXX Inquiry Unauthorized hard inquiry listed on my report Law Issue : FCRA 604 ( a ) ( XXXX ) demands written authorization for such inquiries Story : I never applied for credit with XXXX XXXX. This inquiry is unauthorized and must be removed XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiry Listed inquiry was not authorized by me or initiated Law Issue : FCRA XXXX mandates all inquiries require proper authorization Story : This inquiry is unauthorized and harmful to my credit. I request it be removed XXXX XX/XX/XXXX Inquiry Credit pull not authorized and violates my privacy Law Issue : FCRA XXXX ( a ) ( XXXX ) requires a legitimate business need or my consent Story : I did not initiate this inquiry and request its deletion These accounts

What the CFPB Record Shows About incorrect account status must be corrected Story : This account was resolved and closed. The charge-off is misleading and must be deleted XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Collection * * This is a duplicate of the above XXXX account XXXX causing double damage Law Issue : FCRA 605 and 607 prohibit duplicate negative entries for the same debt Story : This is a duplicate and misleading entry for the same account already listed by XXXX. Please remove it immediately XXXX XX/XX/XXXX Inquiry Hard inquiry conducted without permissible purpose Law Issue : FCRA XXXX ( a ) ( XXXX ) prohibits hard inquiries without my consent or application Story : I did not authorize any application or credit pull from XXXX. Please delete this inquiry XXXX XXXX XX/XX/XXXX Inquiry Unauthorized hard inquiry listed on my report Law Issue : FCRA 604 ( a ) ( XXXX ) demands written authorization for such inquiries Story : I never applied for credit with XXXX XXXX. This inquiry is unauthorized and must be removed XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiry Listed inquiry was not authorized by me or initiated Law Issue : FCRA XXXX mandates all inquiries require proper authorization Story : This inquiry is unauthorized and harmful to my credit. I request it be removed XXXX XX/XX/XXXX Inquiry Credit pull not authorized and violates my privacy Law Issue : FCRA XXXX ( a ) ( XXXX ) requires a legitimate business need or my consent Story : I did not initiate this inquiry and request its deletion These accounts

incorrect account status must be corrected Story : This account was resolved and closed. The charge-off is misleading and must be deleted XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Collection * * This is a duplicate of the above XXXX account XXXX causing double damage Law Issue : FCRA 605 and 607 prohibit duplicate negative entries for the same debt Story : This is a duplicate and misleading entry for the same account already listed by XXXX. Please remove it immediately XXXX XX/XX/XXXX Inquiry Hard inquiry conducted without permissible purpose Law Issue : FCRA XXXX ( a ) ( XXXX ) prohibits hard inquiries without my consent or application Story : I did not authorize any application or credit pull from XXXX. Please delete this inquiry XXXX XXXX XX/XX/XXXX Inquiry Unauthorized hard inquiry listed on my report Law Issue : FCRA 604 ( a ) ( XXXX ) demands written authorization for such inquiries Story : I never applied for credit with XXXX XXXX. This inquiry is unauthorized and must be removed XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiry Listed inquiry was not authorized by me or initiated Law Issue : FCRA XXXX mandates all inquiries require proper authorization Story : This inquiry is unauthorized and harmful to my credit. I request it be removed XXXX XX/XX/XXXX Inquiry Credit pull not authorized and violates my privacy Law Issue : FCRA XXXX ( a ) ( XXXX ) requires a legitimate business need or my consent Story : I did not initiate this inquiry and request its deletion These accounts 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, incorrect account status must be corrected Story : This account was resolved and closed. The charge-off is misleading and must be deleted XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Collection * * This is a duplicate of the above XXXX account XXXX causing double damage Law Issue : FCRA 605 and 607 prohibit duplicate negative entries for the same debt Story : This is a duplicate and misleading entry for the same account already listed by XXXX. Please remove it immediately XXXX XX/XX/XXXX Inquiry Hard inquiry conducted without permissible purpose Law Issue : FCRA XXXX ( a ) ( XXXX ) prohibits hard inquiries without my consent or application Story : I did not authorize any application or credit pull from XXXX. Please delete this inquiry XXXX XXXX XX/XX/XXXX Inquiry Unauthorized hard inquiry listed on my report Law Issue : FCRA 604 ( a ) ( XXXX ) demands written authorization for such inquiries Story : I never applied for credit with XXXX XXXX. This inquiry is unauthorized and must be removed XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiry Listed inquiry was not authorized by me or initiated Law Issue : FCRA XXXX mandates all inquiries require proper authorization Story : This inquiry is unauthorized and harmful to my credit. I request it be removed XXXX XX/XX/XXXX Inquiry Credit pull not authorized and violates my privacy Law Issue : FCRA XXXX ( a ) ( XXXX ) requires a legitimate business need or my consent Story : I did not initiate this inquiry and request its deletion These accounts 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 "you are required to report only accurate", and the single most common underlying issue is "and complete information Story : This address does not belong to me and its presence harms the integrity of my credit report. I request immediate deletion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address This address is not my current or previous residence and is being falsely reported Law Issue : Under FCRA 609 ( c ) ( 2 ) and 602 ( 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 incorrect account status must be corrected Story : This account was resolved and closed. The charge-off is misleading and must be deleted XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Collection * * This is a duplicate of the above XXXX account XXXX causing double damage Law Issue : FCRA 605 and 607 prohibit duplicate negative entries for the same debt Story : This is a duplicate and misleading entry for the same account already listed by XXXX. Please remove it immediately XXXX XX/XX/XXXX Inquiry Hard inquiry conducted without permissible purpose Law Issue : FCRA XXXX ( a ) ( XXXX ) prohibits hard inquiries without my consent or application Story : I did not authorize any application or credit pull from XXXX. Please delete this inquiry XXXX XXXX XX/XX/XXXX Inquiry Unauthorized hard inquiry listed on my report Law Issue : FCRA 604 ( a ) ( XXXX ) demands written authorization for such inquiries Story : I never applied for credit with XXXX XXXX. This inquiry is unauthorized and must be removed XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiry Listed inquiry was not authorized by me or initiated Law Issue : FCRA XXXX mandates all inquiries require proper authorization Story : This inquiry is unauthorized and harmful to my credit. I request it be removed XXXX XX/XX/XXXX Inquiry Credit pull not authorized and violates my privacy Law Issue : FCRA XXXX ( a ) ( XXXX ) requires a legitimate business need or my consent Story : I did not initiate this inquiry and request its deletion These accounts: 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.