leaving me with a history that makes me look irresponsible when in reality I made arrangements to remain in good standing This false reporting has destroyed my ability to refinance or consolidate on fair terms DEPTEDXXXX XXXXXXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Late Payment Issue : Wrong late history Law : FCRA 15 U.S.C. 1681e ( b ) maximum possible accuracy Story : This negative mark is not valid

What the CFPB Record Shows About leaving me with a history that makes me look irresponsible when in reality I made arrangements to remain in good standing This false reporting has destroyed my ability to refinance or consolidate on fair terms DEPTEDXXXX XXXXXXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Late Payment Issue : Wrong late history Law : FCRA 15 U.S.C. 1681e ( b ) maximum possible accuracy Story : This negative mark is not valid

leaving me with a history that makes me look irresponsible when in reality I made arrangements to remain in good standing This false reporting has destroyed my ability to refinance or consolidate on fair terms DEPTEDXXXX XXXXXXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Late Payment Issue : Wrong late history Law : FCRA 15 U.S.C. 1681e ( b ) maximum possible accuracy Story : This negative mark is not valid 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, leaving me with a history that makes me look irresponsible when in reality I made arrangements to remain in good standing This false reporting has destroyed my ability to refinance or consolidate on fair terms DEPTEDXXXX XXXXXXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Late Payment Issue : Wrong late history Law : FCRA 15 U.S.C. 1681e ( b ) maximum possible accuracy Story : This negative mark is not valid 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 "creating suspicion with lenders", and the single most common underlying issue is "XXXX XXXX Wrong Address Issue : This address is inaccurate Law : FCRA 15 U.S.C. 1681i requires reinvestigation of disputed information Story : Attaching this false address to my file confuses lenders about my true history".

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 leaving me with a history that makes me look irresponsible when in reality I made arrangements to remain in good standing This false reporting has destroyed my ability to refinance or consolidate on fair terms DEPTEDXXXX XXXXXXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Late Payment Issue : Wrong late history Law : FCRA 15 U.S.C. 1681e ( b ) maximum possible accuracy Story : This negative mark is not valid: 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.