Consumer complaint received 2023-08-08
Company: Mid-Atlantic Finance Co., Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to formally dispute a negative account that is currently appearing on my credit report. The account in question is attributed to Mid-Atlantic. I believe that this account is inaccurately reflected, and I kindly request its immediate removal from my credit report. In support of my request, I would like to reference specific provisions within the United States Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

FCRA - Fair Credit Reporting Act : Under the FCRA, it is stipulated that consumers have the right to accurate and fair credit reporting. Specifically, section 611 ( a ) ( 1 ) ( A ) of the FCRA mandates that credit reporting agencies must ensure the maximum possible accuracy of information contained in consumers ' credit reports. Any information that is unverifiable, incomplete, or outdated should not be reported. 
Furthermore, section 609 ( a ) ( 1 ) of the FCRA grants consumers the right to request and obtain a free copy of their credit report once every twelve months. In accordance with this provision, I have obtained my credit report and have identified the inaccurate information attributed to the Mid-Atlantic account. 

FDCPA - Fair Debt Collection Practices Act : Although the FDCPA primarily regulates the practices of debt collectors, it can still be pertinent in this context. Section 808 ( 2 ) of the FDCPA states that debt collectors are prohibited from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. If the information reported by Mid-Atlantic is indeed inaccurate or misleading, it may be in violation of this provision. 
In light of the aforementioned statutes, I respectfully request the following actions : Thorough Investigation : I urge you to conduct a comprehensive investigation into the accuracy and validity of the Mid-Atlantic account currently appearing on my credit report. This investigation should include verification of the account 's details, including its validity, amount, and timeliness. 

Prompt Removal : If it is determined that the account is inaccurate, unverifiable, or misleading, I request that you immediately remove the Mid-Atlantic account from my credit report, as per my rights under the FCRA. 

Written Confirmation : Once the investigation is complete and any necessary corrections have been made, I kindly request that you provide me with written confirmation of the actions taken, including the removal of the Mid-Atlantic account from my credit report. 

I appreciate your prompt attention to this matter and your adherence to the provisions set forth in the FCRA and FDCPA. I understand that accurate credit reporting is essential for financial well-being, and I am committed to resolving any discrepancies to ensure the integrity of my credit history. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation