Product: Credit reporting or other personal consumer reports

Complaint Summary : I am filing a follow-up complaint against the XXXXXXXX XXXX XXXX XXXXXXXX as their actions and responses to my initial complaint appear insufficient, inaccurate, and retaliatory. Despite providing clear evidence of their mistakes, they have escalated this matter unnecessarily, imposed unjust late fees, and continue to negatively impact my credit.

Details of the Issue : 1.Attorney Excuse Misrepresentation : The company recently claimed their delay in resolving this matter was due to me allegedly stating I had legal representation. This is entirely falseI have never informed them that I had an attorney. 

Even if an attorney were involved, locking access to my account and continuing to charge late fees is excessive and unreasonable. 

This excuse was only introduced in their most recent communication and had never been mentioned previously.

2.Denied Account Access and Retaliatory Practices : The company has locked my online account access, preventing me from managing or paying the account directly. 

They insist I must confirm I do not have an attorney and call to make payments over the phone. 

This practice appears retaliatory and punitive, especially as there is no other direct means of resolving the issue.

3.Unresolved Complaint About Duplicate Accounts : My original complaint included the issue of two accounts being opened under my name, although I only opened one.

I provided evidence to support the closure or deletion of the duplicate account, which had no charges. However, this has not been resolved or addressed.

4.Negative Credit Reporting : While the company has failed to resolve my complaint, they continue to report negative information to credit bureaus.

This action is damaging my creditworthiness despite my willingness to address the issue.

5.Unfair Late Fees : While this complaint was under review with the CFPB, I was still charged late fees on the account, further compounding the financial harm.

Desired Resolution : Remove the unjust negative marks reported to the credit bureaus due to the companys mishandling of this situation. 

Unlock my online account to allow me to make payments directly and regain control over the account. 

Ensure the duplicate account is properly deleted from their system, as initially requested. 

Provide an explanation and adjustment of all improper late fees and charges applied during this period. 



This matter has escalated unnecessarily due to the companys lack of accountability and failure to address the core issues raised. I respectfully request that the CFPB investigate and ensure an equitable resolution. 



Attachments : Evidence of duplicate accounts. 

Communications with the company showing no mention of an attorney initially. 

Any additional documentation of late fees or negative reports. 


Also, the actions described mean XXXXXXXX XXXX XXXX  Company could potentially violate the Fair Credit Reporting Act ( FCRA ). Below are key points of the FCRA and how their actions may conflict with it : 1. Reporting Inaccurate Information to Credit Bureaus FCRA Section 623 ( a ) requires furnishers of credit information to ensure that the data they report is accurate and complete. 

Potential Violation : The company is reporting negative information about your account to the credit bureaus without addressing the core dispute, which includes : Denial of access to your account, making it impossible for you to make payments. 

Failing to resolve or acknowledge the duplicate account issue, which could lead to inaccurate reporting. 

If the reported information does not accurately reflect the true status of your account, they may be in violation of the FCRA.

2. Failure to Conduct a Reasonable Investigation of Disputed Information FCRA Section 611 mandates that credit furnishers must investigate disputes regarding inaccurate information within a timely manner ( typically 30 days ).

Potential Violation : The company appears to have ignored your dispute about the duplicate account and the improper negative reporting while failing to correct the errors or delete the duplicate account.

3. Retaliation for Disputes or Complaints While not explicitly addressed in the FCRA, blocking access to your account after you filed a complaint could be viewed as punitive or retaliatory. Such actions may fall under unfair practices, which the CFPB prohibits under broader consumer protection laws.

4. Unjust Late Fees and Misrepresentation Charging late fees while preventing you from accessing the account to make payments could be seen as an unfair, deceptive, or abusive act or practice ( UDAAP ), which may violate the broader consumer protection standards under the FCRA and other regulations.

5. Failure to Notify You of Negative Reporting Under FCRA Section 623 ( a ) ( 7 ), if a creditor is reporting negative information to credit bureaus, they must notify you within 30 days. 

Potential Violation : If the company failed to notify you about reporting late payments or other derogatory marks, this could be a violation.