this must be removed Account : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$12000.00} Chargeoff * * Issue : Charge-off status is being inaccurately reported without legal substantiation Law : FCRA 1681i

What the CFPB Record Shows About this must be removed Account : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$12000.00} Chargeoff * * Issue : Charge-off status is being inaccurately reported without legal substantiation Law : FCRA 1681i

this must be removed Account : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$12000.00} Chargeoff * * Issue : Charge-off status is being inaccurately reported without legal substantiation Law : FCRA 1681i 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 : , giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, this must be removed Account : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$12000.00} Chargeoff * * Issue : Charge-off status is being inaccurately reported without legal substantiation Law : FCRA 1681i 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 "information must be verified and accurate Story : I have not resided at this Louisiana address. It is incorrect and must be removed to ensure my report reflects my true residency history Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4800.00} Late Payment * * Issue : This account reflects a late payment that I do not recognize or agree with Law : FCRA 1681i ( a ) and 1681s-2 prohibit reporting unverifiable negative data Story : I was never late on this account. I request documented proof of late payments. If none exists", and the single most common underlying issue is "making this inaccurate and unfair Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2900.00} Chargeoff * * Issue : The account status is incorrect and was not handled with proper notice Law : FCRA 1681i ( 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 this must be removed Account : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$12000.00} Chargeoff * * Issue : Charge-off status is being inaccurately reported without legal substantiation Law : FCRA 1681i: 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.