XXXX ( as of XX/XX/XXXX ) Delinquencies : XXXX lates from XX/XX/XXXX XX/XX/XXXX Issue : Account closed for XXXX years but still showing negative history Metro 2 Violations : Inconsistent aging of lates Late payments reported without active obligation FCRA Violations : 15 USC 1681c ( a ) ( 4 ) - ( 5 ) Obsolete negative payment data 15 USC 1681e ( b ) Misleading to continue derogatory marks after payoff 15 USC 1681i ( a ) ( 7 ) No Method of Verification provided 15 USC 1681s-2 ( b ) ( 1 ) ( D ) Failure to delete once obsolete 15 USC 1681n

What the CFPB Record Shows About XXXX ( as of XX/XX/XXXX ) Delinquencies : XXXX lates from XX/XX/XXXX XX/XX/XXXX Issue : Account closed for XXXX years but still showing negative history Metro 2 Violations : Inconsistent aging of lates Late payments reported without active obligation FCRA Violations : 15 USC 1681c ( a ) ( 4 ) - ( 5 ) Obsolete negative payment data 15 USC 1681e ( b ) Misleading to continue derogatory marks after payoff 15 USC 1681i ( a ) ( 7 ) No Method of Verification provided 15 USC 1681s-2 ( b ) ( 1 ) ( D ) Failure to delete once obsolete 15 USC 1681n

XXXX ( as of XX/XX/XXXX ) Delinquencies : XXXX lates from XX/XX/XXXX XX/XX/XXXX Issue : Account closed for XXXX years but still showing negative history Metro 2 Violations : Inconsistent aging of lates Late payments reported without active obligation FCRA Violations : 15 USC 1681c ( a ) ( 4 ) - ( 5 ) Obsolete negative payment data 15 USC 1681e ( b ) Misleading to continue derogatory marks after payoff 15 USC 1681i ( a ) ( 7 ) No Method of Verification provided 15 USC 1681s-2 ( b ) ( 1 ) ( D ) Failure to delete once obsolete 15 USC 1681n 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 XX, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, XXXX ( as of XX/XX/XXXX ) Delinquencies : XXXX lates from XX/XX/XXXX XX/XX/XXXX Issue : Account closed for XXXX years but still showing negative history Metro 2 Violations : Inconsistent aging of lates Late payments reported without active obligation FCRA Violations : 15 USC 1681c ( a ) ( 4 ) - ( 5 ) Obsolete negative payment data 15 USC 1681e ( b ) Misleading to continue derogatory marks after payoff 15 USC 1681i ( a ) ( 7 ) No Method of Verification provided 15 USC 1681s-2 ( b ) ( 1 ) ( D ) Failure to delete once obsolete 15 USC 1681n 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 "Closed {$71.00} charge-off Last Updated : XX/XX/XXXX Issue : Reporting XXXX months of Charge-Off status after being paid in full Metro 2 Violations : Continued XXXX reporting after {$0.00} balance XXXX XXXX activity but derogatory status remains No Date of First Delinquency disclosed FCRA Violations : 15 USC 1681e ( b ) Inaccurate and misleading charge-off coding 15 USC 1681i ( a ) ( 1 ) ( A ) No reasonable reinvestigation 15 USC 1681i ( a ) ( 5 ) ( A ) Failure to delete unverifiable data 15 USC 1681i ( a ) ( 7 ) Refusal to provide method of verification 15 USC 1681s-2 ( b ) ( 1 ) ( D ) Continued furnishing of false data 15 USC 1681n", and the single most common underlying issue is "marked Repossession Issue XXXX XXXX XXXX ( XX/XX/XXXX ) but still reports balance + XXXX late marks into XXXX Metro 2 Violations : Simultaneous reporting of repossession + XXXX lates = double derogatory Re-aging of delinquency with no payment activity since XX/XX/XXXX Open status violates Metro 2 if vehicle has been repossessed FCRA Violations : 15 USC 1681e ( b ) Inaccurate status and timeline 15 USC 1681i ( a ) ( 1 ) ( A ) Failure to reinvestigate 15 USC 1681i ( a ) ( 5 ) ( A ) Failing to delete unverifiable data 15 USC 1681s-2 ( b ) ( 1 ) ( AE ) Violations by furnisher : no updates".

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 XXXX ( as of XX/XX/XXXX ) Delinquencies : XXXX lates from XX/XX/XXXX XX/XX/XXXX Issue : Account closed for XXXX years but still showing negative history Metro 2 Violations : Inconsistent aging of lates Late payments reported without active obligation FCRA Violations : 15 USC 1681c ( a ) ( 4 ) - ( 5 ) Obsolete negative payment data 15 USC 1681e ( b ) Misleading to continue derogatory marks after payoff 15 USC 1681i ( a ) ( 7 ) No Method of Verification provided 15 USC 1681s-2 ( b ) ( 1 ) ( D ) Failure to delete once obsolete 15 USC 1681n: 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.