2026 data Public-data reference. official source

lack of proper notification Violations : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy FCRA 1681i ( a ) : Failure to properly reinvestigate disputed information FCRA 1681g : Failure to disclose verification records FCRA 1681b : Lack of permissible purpose FDCPA 1692g : Failure to validate debt within 5 days FDCPA 1692e : Misrepresentation of debt status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prohibiting reporting information known or that should be known to be inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Failure to disclose method of verification after dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Incorporating FDCPA prohibitions against false

2 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.

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2 consumer complaints filed with the CFPB

This profile shows lack of proper notification Violations : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy FCRA 1681i ( a ) : Failure to properly reinvestigate disputed information FCRA 1681g : Failure to disclose verification records FCRA 1681b : Lack of permissible purpose FDCPA 1692g : Failure to validate debt within 5 days FDCPA 1692e : Misrepresentation of debt status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prohibiting reporting information known or that should be known to be inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Failure to disclose method of verification after dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Incorporating FDCPA prohibitions against false's complaint history from CFPB public records. 2 consumers have filed complaints since XXXX. The company has a 0% timely response rate and has provided relief in 0% of cases.

2
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
1
States Active
XXXX
Since

Total complaints

2

Filed since XXXX

Timely response

0%

CFPB-tracked response window

Relief rate

0%

Closed with monetary or non-monetary relief

Timely response rate 0.0%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 0.0%
Industry median

Share closed with monetary or non-monetary relief.

lack of proper notification Violations : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy FCRA 1681i ( a ) : Failure to properly reinvestigate disputed information FCRA 1681g : Failure to disclose verification records FCRA 1681b : Lack of permissible purpose FDCPA 1692g : Failure to validate debt within 5 days FDCPA 1692e : Misrepresentation of debt status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prohibiting reporting information known or that should be known to be inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Failure to disclose method of verification after dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Incorporating FDCPA prohibitions against false complaint mix by product

Total complaints: 2

lack of proper notification Violations : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy FCRA 1681i ( a ) : Failure to properly reinvestigate disputed information FCRA 1681g : Failure to disclose verification records FCRA 1681b : Lack of permissible purpose FDCPA 1692g : Failure to validate debt within 5 days FDCPA 1692e : Misrepresentation of debt status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prohibiting reporting information known or that should be known to be inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Failure to disclose method of verification after dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Incorporating FDCPA prohibitions against false complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 2 total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). discrepancies: 2 complaints (100.0%), resolution 0.0% discrepancies 100.0%
  • discrepancies 2 100.0% – 0% relief

How lack of proper notification Violations : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy FCRA 1681i ( a ) : Failure to properly reinvestigate disputed information FCRA 1681g : Failure to disclose verification records FCRA 1681b : Lack of permissible purpose FDCPA 1692g : Failure to validate debt within 5 days FDCPA 1692e : Misrepresentation of debt status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prohibiting reporting information known or that should be known to be inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Failure to disclose method of verification after dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Incorporating FDCPA prohibitions against false's 2 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.

Complaints by Product

Product Complaints
discrepancies 2

Top States

State Complaints
deceptive 2

Top Issues

Issue Complaints
deceptive 2

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows About lack of proper notification Violations : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy FCRA 1681i ( a ) : Failure to properly reinvestigate disputed information FCRA 1681g : Failure to disclose verification records FCRA 1681b : Lack of permissible purpose FDCPA 1692g : Failure to validate debt within 5 days FDCPA 1692e : Misrepresentation of debt status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prohibiting reporting information known or that should be known to be inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Failure to disclose method of verification after dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Incorporating FDCPA prohibitions against false

lack of proper notification Violations : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy FCRA 1681i ( a ) : Failure to properly reinvestigate disputed information FCRA 1681g : Failure to disclose verification records FCRA 1681b : Lack of permissible purpose FDCPA 1692g : Failure to validate debt within 5 days FDCPA 1692e : Misrepresentation of debt status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prohibiting reporting information known or that should be known to be inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Failure to disclose method of verification after dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Incorporating FDCPA prohibitions against false has accumulated 2 consumer complaints in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 2 include 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, lack of proper notification Violations : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy FCRA 1681i ( a ) : Failure to properly reinvestigate disputed information FCRA 1681g : Failure to disclose verification records FCRA 1681b : Lack of permissible purpose FDCPA 1692g : Failure to validate debt within 5 days FDCPA 1692e : Misrepresentation of debt status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prohibiting reporting information known or that should be known to be inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Failure to disclose method of verification after dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Incorporating FDCPA prohibitions against false 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 "discrepancies", and the single most common underlying issue is "deceptive".

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 lack of proper notification Violations : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy FCRA 1681i ( a ) : Failure to properly reinvestigate disputed information FCRA 1681g : Failure to disclose verification records FCRA 1681b : Lack of permissible purpose FDCPA 1692g : Failure to validate debt within 5 days FDCPA 1692e : Misrepresentation of debt status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prohibiting reporting information known or that should be known to be inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Failure to disclose method of verification after dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Incorporating FDCPA prohibitions against false: 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.

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Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.

Frequently Asked Questions

How many CFPB complaints does lack of proper notification Violations : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy FCRA 1681i ( a ) : Failure to properly reinvestigate disputed information FCRA 1681g : Failure to disclose verification records FCRA 1681b : Lack of permissible purpose FDCPA 1692g : Failure to validate debt within 5 days FDCPA 1692e : Misrepresentation of debt status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prohibiting reporting information known or that should be known to be inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Failure to disclose method of verification after dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Incorporating FDCPA prohibitions against false have?

lack of proper notification Violations : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy FCRA 1681i ( a ) : Failure to properly reinvestigate disputed information FCRA 1681g : Failure to disclose verification records FCRA 1681b : Lack of permissible purpose FDCPA 1692g : Failure to validate debt within 5 days FDCPA 1692e : Misrepresentation of debt status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prohibiting reporting information known or that should be known to be inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Failure to disclose method of verification after dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Incorporating FDCPA prohibitions against false has received 2 consumer complaints filed with the Consumer Financial Protection Bureau.

Does lack of proper notification Violations : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy FCRA 1681i ( a ) : Failure to properly reinvestigate disputed information FCRA 1681g : Failure to disclose verification records FCRA 1681b : Lack of permissible purpose FDCPA 1692g : Failure to validate debt within 5 days FDCPA 1692e : Misrepresentation of debt status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prohibiting reporting information known or that should be known to be inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Failure to disclose method of verification after dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Incorporating FDCPA prohibitions against false respond to complaints on time?

lack of proper notification Violations : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy FCRA 1681i ( a ) : Failure to properly reinvestigate disputed information FCRA 1681g : Failure to disclose verification records FCRA 1681b : Lack of permissible purpose FDCPA 1692g : Failure to validate debt within 5 days FDCPA 1692e : Misrepresentation of debt status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prohibiting reporting information known or that should be known to be inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Failure to disclose method of verification after dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Incorporating FDCPA prohibitions against false has a 0% timely response rate to CFPB complaints.

What is the most common complaint about lack of proper notification Violations : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy FCRA 1681i ( a ) : Failure to properly reinvestigate disputed information FCRA 1681g : Failure to disclose verification records FCRA 1681b : Lack of permissible purpose FDCPA 1692g : Failure to validate debt within 5 days FDCPA 1692e : Misrepresentation of debt status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prohibiting reporting information known or that should be known to be inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Failure to disclose method of verification after dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Incorporating FDCPA prohibitions against false?

The most common issue reported against lack of proper notification Violations : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy FCRA 1681i ( a ) : Failure to properly reinvestigate disputed information FCRA 1681g : Failure to disclose verification records FCRA 1681b : Lack of permissible purpose FDCPA 1692g : Failure to validate debt within 5 days FDCPA 1692e : Misrepresentation of debt status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prohibiting reporting information known or that should be known to be inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Failure to disclose method of verification after dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Incorporating FDCPA prohibitions against false is "deceptive" in the "discrepancies" product category.

Read our methodology — how this data is sourced, computed, and verified.

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