this collection must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$400.00} Chargeoff * * Law Issue : FCRA 611 requires deletion of unverifiable information Issue : The chargeoff is unvalidated and inaccurate Story : I dispute this accounts reporting and demand deletion unless proper validation is provided INQUIRIES XXXX XX/XX/XXXX Law Issue : FCRA 604 requires proper authorization Issue : This was not authorized Story : I did not approve this inquiry and request deletion XXXX XX/XX/XXXX Law Issue : FCRA 604 permissible purpose requirement Issue : This is unauthorized Story : This inquiry damages my credit score and must be removed immediately XXXX XX/XX/XXXX Law Issue : FCRA 604 permissible purpose requirement Issue : Inquiry not authorized by me Story : I never applied with XXXX

What the CFPB Record Shows About this collection must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$400.00} Chargeoff * * Law Issue : FCRA 611 requires deletion of unverifiable information Issue : The chargeoff is unvalidated and inaccurate Story : I dispute this accounts reporting and demand deletion unless proper validation is provided INQUIRIES XXXX XX/XX/XXXX Law Issue : FCRA 604 requires proper authorization Issue : This was not authorized Story : I did not approve this inquiry and request deletion XXXX XX/XX/XXXX Law Issue : FCRA 604 permissible purpose requirement Issue : This is unauthorized Story : This inquiry damages my credit score and must be removed immediately XXXX XX/XX/XXXX Law Issue : FCRA 604 permissible purpose requirement Issue : Inquiry not authorized by me Story : I never applied with XXXX

this collection must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$400.00} Chargeoff * * Law Issue : FCRA 611 requires deletion of unverifiable information Issue : The chargeoff is unvalidated and inaccurate Story : I dispute this accounts reporting and demand deletion unless proper validation is provided INQUIRIES XXXX XX/XX/XXXX Law Issue : FCRA 604 requires proper authorization Issue : This was not authorized Story : I did not approve this inquiry and request deletion XXXX XX/XX/XXXX Law Issue : FCRA 604 permissible purpose requirement Issue : This is unauthorized Story : This inquiry damages my credit score and must be removed immediately XXXX XX/XX/XXXX Law Issue : FCRA 604 permissible purpose requirement Issue : Inquiry not authorized by me Story : I never applied with XXXX 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 ADDR, and the most recent logged activity is ADDRESS XX, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, this collection must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$400.00} Chargeoff * * Law Issue : FCRA 611 requires deletion of unverifiable information Issue : The chargeoff is unvalidated and inaccurate Story : I dispute this accounts reporting and demand deletion unless proper validation is provided INQUIRIES XXXX XX/XX/XXXX Law Issue : FCRA 604 requires proper authorization Issue : This was not authorized Story : I did not approve this inquiry and request deletion XXXX XX/XX/XXXX Law Issue : FCRA 604 permissible purpose requirement Issue : This is unauthorized Story : This inquiry damages my credit score and must be removed immediately XXXX XX/XX/XXXX Law Issue : FCRA 604 permissible purpose requirement Issue : Inquiry not authorized by me Story : I never applied with XXXX 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 "CA XXXX Law Issue : FCRA 607 ( b ) mandates accurate information Issue : This address does not belong to me Story : The presence of this wrong address could cause reporting errors and indicates sloppy recordkeeping by furnishers. Please delete this address immediately XXXX XXXX XXXX XXXX XXXX", and the single most common underlying issue is "and its reporting violates my consumer rights under the FCRA ACCOUNTS XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law Issue : FCRA 609 and 611 require accuracy and reinvestigation of disputed late payments Issue : This account is reporting a late payment inaccurately despite a {$0.00} balance Story : It is impossible to have late payments on an account with no outstanding balance".

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 this collection must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$400.00} Chargeoff * * Law Issue : FCRA 611 requires deletion of unverifiable information Issue : The chargeoff is unvalidated and inaccurate Story : I dispute this accounts reporting and demand deletion unless proper validation is provided INQUIRIES XXXX XX/XX/XXXX Law Issue : FCRA 604 requires proper authorization Issue : This was not authorized Story : I did not approve this inquiry and request deletion XXXX XX/XX/XXXX Law Issue : FCRA 604 permissible purpose requirement Issue : This is unauthorized Story : This inquiry damages my credit score and must be removed immediately XXXX XX/XX/XXXX Law Issue : FCRA 604 permissible purpose requirement Issue : Inquiry not authorized by me Story : I never applied with XXXX: 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.