XXXX ( b ) FDCPA XXXX ( b ) No debt validation FDCPA XXXX ( XXXX ) Failure to mark account as disputed XXXXXXXX XXXX XXXX Charged off with {$3100.00} past due and over 16 months of derogatory reporting. Violates : FCRA XXXX ( b ) Inconsistent data reporting FCRA XXXX ( a ) ( XXXX ) Reporting derogatory data beyond permissible time limits XXXX XXXX ( XXXX separate accounts ) All are charged off or settled

What the CFPB Record Shows About XXXX ( b ) FDCPA XXXX ( b ) No debt validation FDCPA XXXX ( XXXX ) Failure to mark account as disputed XXXXXXXX XXXX XXXX Charged off with {$3100.00} past due and over 16 months of derogatory reporting. Violates : FCRA XXXX ( b ) Inconsistent data reporting FCRA XXXX ( a ) ( XXXX ) Reporting derogatory data beyond permissible time limits XXXX XXXX ( XXXX separate accounts ) All are charged off or settled

XXXX ( b ) FDCPA XXXX ( b ) No debt validation FDCPA XXXX ( XXXX ) Failure to mark account as disputed XXXXXXXX XXXX XXXX Charged off with {$3100.00} past due and over 16 months of derogatory reporting. Violates : FCRA XXXX ( b ) Inconsistent data reporting FCRA XXXX ( a ) ( XXXX ) Reporting derogatory data beyond permissible time limits XXXX XXXX ( XXXX separate accounts ) All are charged off or settled 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 Firs, and the most recent logged activity is First, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, XXXX ( b ) FDCPA XXXX ( b ) No debt validation FDCPA XXXX ( XXXX ) Failure to mark account as disputed XXXXXXXX XXXX XXXX Charged off with {$3100.00} past due and over 16 months of derogatory reporting. Violates : FCRA XXXX ( b ) Inconsistent data reporting FCRA XXXX ( a ) ( XXXX ) Reporting derogatory data beyond permissible time limits XXXX XXXX ( XXXX separate accounts ) All are charged off or settled 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 "several addresses are reported that do not belong to me and were never used in connection with any authorized account. The inclusion of these addresses violates : XXXX U.S.C. XXXX ( b ) Failure to ensure maximum possible accuracy XXXX XXXX. XXXX ( a ) Failure to reinvestigate disputed personal information I am also disputing the following derogatory accounts", and the single most common underlying issue is "unverifiable".

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 ( b ) FDCPA XXXX ( b ) No debt validation FDCPA XXXX ( XXXX ) Failure to mark account as disputed XXXXXXXX XXXX XXXX Charged off with {$3100.00} past due and over 16 months of derogatory reporting. Violates : FCRA XXXX ( b ) Inconsistent data reporting FCRA XXXX ( a ) ( XXXX ) Reporting derogatory data beyond permissible time limits XXXX XXXX ( XXXX separate accounts ) All are charged off or settled: 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.