XXXX XXXX opted to charge off the account without resolution or proper notification XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Issue : Charge-off and duplicate reporting Law : FCRA 1681e ( b ) Story : This account appears more than once with conflicting details

What the CFPB Record Shows About XXXX XXXX opted to charge off the account without resolution or proper notification XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Issue : Charge-off and duplicate reporting Law : FCRA 1681e ( b ) Story : This account appears more than once with conflicting details

XXXX XXXX opted to charge off the account without resolution or proper notification XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Issue : Charge-off and duplicate reporting Law : FCRA 1681e ( b ) Story : This account appears more than once with conflicting details 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 XXXX, and the most recent logged activity is XXXX XXXX , giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, XXXX XXXX opted to charge off the account without resolution or proper notification XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Issue : Charge-off and duplicate reporting Law : FCRA 1681e ( b ) Story : This account appears more than once with conflicting details 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 "the credit reporting agency must ensure maximum possible accuracy of information reported Story : I have never lived at this address nor have I ever conducted any financial or personal activity there. Reporting this address under my profile misrepresents my identity and has potentially contributed to fraudulent or inaccurate account linkages XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : This mailing address is incorrect and not linked to my personal or financial activity Law : FCRA 1681c mandates that outdated or unverifiable addresses be removed Story : I have no relationship to this XXXX XXXXXXXX. Including it as part of my report creates confusion and opens me up to potential identity mix-ups. It may also be associated with fraudulent activity not initiated by me XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} Issue : Late payments reported during deferment or forbearance periods Law : FCRA 1681s-2 requires furnishers to report accurately and not report incorrect delinquencies Story : During the reported period", and the single most common underlying issue is "yet they reported late payments in contradiction of federal student loan protections XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Issue : Late payments reported in error Law : Violates FCRA 1681e ( b ) and 1681s-2 Story : These late payments occurred while my account was in good standing under an Income-Based Repayment Plan ( IBR ). There was no reason to mark any payment as late".

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 XXXX opted to charge off the account without resolution or proper notification XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Issue : Charge-off and duplicate reporting Law : FCRA 1681e ( b ) Story : This account appears more than once with conflicting details: 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.