CFPB Complaint


Consumer Complaint Submission

Date Received: 2018-11-17T00:00:00.000

Product: Credit card debt

Issue: False statements or representation

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: 1. I attest that I am XXXX XXXX writing this alone from research I have done online.

2. This complaint is based on METRO2, XXXX, and Consumer Reporting Resource Guide reporting standards, and specifically how XXXX, XXXX, and XXXX are reporting harmful information supplied by XXXX XXXX.

3. XXXX XXXX is a debt collector by file standards. Laws prohibit DC ‘s to report debt collection efforts as Credit Grantor Tradelines, as they can not extend credit to me, or any other individual.

4. Metro2 file Specifications, indicate that they can ONLY report a COLLECTION/RC/Factoring Account Type, that is either in a PAID or IUnpaid Collection pay status.
Account Type Codes 48 Collection Agency/Attorney 77 Returned Check 0C Factoring Company Account ( includes Debt Purchasers ) 5. All other report attributes are intended to be used by Credit Grantors, who enter into a contract for payments and then to report such payment history. Thus I have been denied credit several times and the creditor attributes this Debt Collection Account from Midland as being recently past due, however past due is reserved for credit grantors.

6. In XXXX Credit Report, The XXXX XXXX account is designated as a ” Open/Installment/Revolving – Other ACCOUNT TYPE and can not beas this is not standard. Also other irregularities are ” Terms 1 month ” and A payment account history from XXXX XXXX with high balances reported, scheduled payments reported, with fictitious balances. A copy of these irregularities is attched, XXXX Report number XXXX, pulled XX/XX/XXXX.

7. In XXXX Credit Report, XXXX XXXX reports as an ” Other ” account instead of the designated Collection Account, and can not according to Metro2 – as this data is not expected to be sent by a debt collector on this industry standard file. Which leads to other irregularities on file from misreporting such as a debt to credit ratio of 100 %, Midland is not a creditor. Also reports as a Loan, and as Retial Creditor classification, and reports an amount Past due. All of this reporting is not to industry standards and has negatively affected my credit and ability to seek credit. This is from XXXX Report # XXXX Date XX/XX/XXXX 8. In XXXX Report, The XXXX XXXX account is designated as a ” Open/Installment/Revolving – Other ACCOUNT TYPE and can not beas this is not standard. This debt collector continually reports to XXXX ” Opening ” the account and closing the account for past several months since I started disputing this information.

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The following : INFORMATION ONLY FROM METRO2 — -. The following fields are not applicable and may be blank- or zero-filled : Credit Limit Terms Frequency Scheduled Monthly Payment Amount Payment Rating Original Charge-off Amount To be brief this is only the beginning of my complaints against this debt collector.


State/Zip: HI 968XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3076980

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