Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Complaint # XXXX was submitted to the CFPB for XXXX XXXX reporting of derogatory, inaccurate information on my Credit Report. 

On XX/XX/XXXX, XXXX XXXX responded to the complaint and advised that they were investigating the complaint, and would provide a detailed responses within 60 days. 

On XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX at XXXX ( hereinafter XXXX ) provided a response to the complaint. XXXX stated that complainants concerns were reviewed and addressed on XX/XX/XXXX under Complaint # XXXX. XXXX further advised that complainant had not provided any additional information since that time. Nonetheless, XXXX states the following : - On XX/XX/XXXX, the account at issue was opened through an application and a {$800.00} security deposit ; - XXXX states that Complainant accepted the Cardmember Agreement, which states, in part, that if Complainant is in default under the agreement or the account is closed for any reason, complainant authorizes XXXX o withdraw all or any portion of the Funds from the security deposit account and apply them to reduce outstanding obligations. 

- On XX/XX/XXXX, the account at issue was placed on hold to verify additional information for [ the ] account. '' - On XX/XX/XXXX, XXXX completed their review and a business decision was made to close [ the ] account. 

- On XX/XX/XXXX, {$740.00} of [ the ] security deposit was applied to the account balance and again on XX/XX/XXXX, additional monies, totaling {$41.00} was also applied to the account balance and deducted from the security deposit. 

- XXXX also stated that a refund was due in the amount of {$17.00} and that the account balance had a remaining {$20.00} balance. 

Complainant does not dispute that she accepted the terms of the agreement. While Complainant does dispute the balance at the time the account was closed, this was not the subject of the complaint. Complaint XXXX was submitted to address the derogatory and accurate information that XXXX continues to report on Complainants Experian, XXXX, and XXXX credit reports. Specifically, XXXX is reporting two 30 days late payments in XX/XX/XXXX and XX/XX/XXXX ( see attached portion of complainants Experian report ). 

Multiple attempts have been made to resolve Complainants concerns with the account at issue. To date, XXXX has failed to acknowledge and/or correct the inaccurate information being reported to all three credit bureaus in blatant violation of the Fair Credit Reporting Act. Section 623 of the FCRA and Regulation V provides that XXXX, a furnisher, must not furnish inaccurate consumer information to a CRA, and that XXXX has an obligation to investigate a consumers dispute that the furnished information is inaccurate or incomplete. 

A review of the response provided by XXXX on XX/XX/XXXX makes absolutely no reference to Complainants concerns regarding inaccurate and derogatory information. Rather XXXX  admits that the account at issue was closed in XX/XX/XXXX, evidence which supports Complainants Complaint that XXXX reporting of late payments in XX/XX/XXXX and XX/XX/XXXX are not possible and are inaccurate. Indeed, Complainant had no additional obligation to make timely payments and the account did not have an outstanding balance. XXXX also admits that as of XX/XX/XXXX, after XXXX continued to deduct funds from the accounts security deposit three months after the account was abruptly closed, Complainant did not owe a balance on the account at issue. In fact, XXXX admits that a {$20.00} credit remains on the account at issue. Based on the facts and information provided by XXXX, XXXX could not possibly have been late on any payments after XX/XX/XXXX and therefore XXXX continued reporting of two late payments in XX/XX/XXXX and XX/XX/XXXX are not accurate and must be removed. XXXX  ongoing reporting of derogatory information that has demonstrably false is a violation of Section 623 of the FCRA. 

Therefore, Complainant is submitting this complaint once again and demanding that XXXX correct the inaccurate information. If XXXX continues to report the inaccurate, derogatory, and factually impossible information to the credit bureaus, Complainant will have no other choose but to file a lawsuit seeking damages sustained as a result of XXXX falsely reporting late payments on my credit report.