the item must be deleted INSTRUCTION : I demand the removal of this item if verification can not be supplied directly by XXXX with complete payment and charge off history ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Charge Off * * LAW ISSUE : FCRA 611 ( a ) ( 1 ) ( A ) entitles consumers to dispute information believed to be inaccurate. 1681s-2 ( b ) requires furnishers to verify or correct disputed data DISPUTE STORY : This entry is a duplicate and appears to be a secondary reporting of the XXXX account already disputed. It is impacting my score unfairly. No legal validation has been provided INSTRUCTION : Please delete this account as it is a duplicate and unverifiable. If you can not confirm its legitimacy with dated statements or contractual agreement

What the CFPB Record Shows About the item must be deleted INSTRUCTION : I demand the removal of this item if verification can not be supplied directly by XXXX with complete payment and charge off history ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Charge Off * * LAW ISSUE : FCRA 611 ( a ) ( 1 ) ( A ) entitles consumers to dispute information believed to be inaccurate. 1681s-2 ( b ) requires furnishers to verify or correct disputed data DISPUTE STORY : This entry is a duplicate and appears to be a secondary reporting of the XXXX account already disputed. It is impacting my score unfairly. No legal validation has been provided INSTRUCTION : Please delete this account as it is a duplicate and unverifiable. If you can not confirm its legitimacy with dated statements or contractual agreement

the item must be deleted INSTRUCTION : I demand the removal of this item if verification can not be supplied directly by XXXX with complete payment and charge off history ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Charge Off * * LAW ISSUE : FCRA 611 ( a ) ( 1 ) ( A ) entitles consumers to dispute information believed to be inaccurate. 1681s-2 ( b ) requires furnishers to verify or correct disputed data DISPUTE STORY : This entry is a duplicate and appears to be a secondary reporting of the XXXX account already disputed. It is impacting my score unfairly. No legal validation has been provided INSTRUCTION : Please delete this account as it is a duplicate and unverifiable. If you can not confirm its legitimacy with dated statements or contractual agreement 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 ACCO, and the most recent logged activity is ACCOUNT : , giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, the item must be deleted INSTRUCTION : I demand the removal of this item if verification can not be supplied directly by XXXX with complete payment and charge off history ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Charge Off * * LAW ISSUE : FCRA 611 ( a ) ( 1 ) ( A ) entitles consumers to dispute information believed to be inaccurate. 1681s-2 ( b ) requires furnishers to verify or correct disputed data DISPUTE STORY : This entry is a duplicate and appears to be a secondary reporting of the XXXX account already disputed. It is impacting my score unfairly. No legal validation has been provided INSTRUCTION : Please delete this account as it is a duplicate and unverifiable. If you can not confirm its legitimacy with dated statements or contractual agreement 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 conduct a reasonable reinvestigation of any disputed information. Additionally", and the single most common underlying issue is "data that is inaccurate or outdated harms consumers ' credit standing and must be deleted if not verifiable DISPUTE STORY : This account was closed with a {$0.00} balance and has been listed as a charge off inaccurately. No verification has been provided by the furnisher".

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 the item must be deleted INSTRUCTION : I demand the removal of this item if verification can not be supplied directly by XXXX with complete payment and charge off history ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Charge Off * * LAW ISSUE : FCRA 611 ( a ) ( 1 ) ( A ) entitles consumers to dispute information believed to be inaccurate. 1681s-2 ( b ) requires furnishers to verify or correct disputed data DISPUTE STORY : This entry is a duplicate and appears to be a secondary reporting of the XXXX account already disputed. It is impacting my score unfairly. No legal validation has been provided INSTRUCTION : Please delete this account as it is a duplicate and unverifiable. If you can not confirm its legitimacy with dated statements or contractual agreement: 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.