Date Received: 2018-02-18T00:00:00

Product: I do not know

Issue: False statements or representation

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: XXXX XXXX Account # XXXX Original Creditor – Company Sold – Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Closed Payment Status Past due 120 days Status Updated XX/XX/XXXX Balance {$2600.00} Balance Updated XX/XX/XXXX Credit Limit {$2400.00} Monthly Payment {$120.00} Past Due Amount {$550.00} Highest Balance {$2600.00} Terms Revolving Responsibility Individual Your Statement – Comments Credit line closed-grantor request-reported by subscriber XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Account # XXXX XX/XX/XXXX Dear Sir or Madam/To Whom It May Concern, On XX/XX/XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency never sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect.
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).
Please reply within 15 days or delete the negative items, as originally requested.
Below are the items that do not belong to me that you continue to report illegally.

1. XXXX XXXX Account # XXXX Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately.

See also  First Data Corporation - CFPB Complaint ID 2837920



State/Zip: CA 926XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2817969

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

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In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.