Consumer complaint received 2022-10-14
Company: Genesis FS Card Services, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted XXXX, XXXX, and now CB INDIGO/GF ( XXXX ) to put them on notice about the following. 

I submitted a dispute with XXXX about violations on my consumer report about illegal late payment transactions they did not resolve my issues by deleting the late payments. They claimed that it meets their FCRA requirements when it does not. I sent XXXX and XXXX the same notices as well as CB INDIGO/GF. 

All XXXX  consumer agencies and CB INDIGO/GF are in violation of XXXX XXXX XXXX XXXX ( d ) ( XXXX ) The definition of a Consumer Report is : In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section XXXX of this title. So, why are the consumer reporting agencies including CB INDIGO/GF REPORTING LATE PAYMENT TRANSACTIONS So, According to the law ( XXXX XXXX XXXX XXXXXXXX ( d ) ( XXXX ) A Consumer Report does not include XXXXXXXX XXXX  XXXX XXXX XXXX and if that is the case and according to you late payment history is included in my XXXX XXXX XXXX XXXX why are you reporting late payments on my consumer report when it's part of XXXX XXXX XXXX XXXX XXXX Also, according to FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ( XXXX ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( XXXX ) EXCLUSIONS. Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) Subject to section XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Late payments are also considered transactions which should not be included in my consumer file XXXX you are in clear violation of the XXXX XXXX XXXX XXXX XXXX ( d ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( i ) I am demanding that you delete the above late payments from the above account immediately or I will escalate this matter to taking legal action and report you to the CFPB and XXXX XXXX 
The reporting of such information that is not supposed to be in my consumer file has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
Failure to respond satisfactorily with deletion of the above referenced account ( XXXX ), and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX of Character ( per XXXX ) XXXX Enablement of Identity Fraud XXXX Debt Collections Practices Act XXXX XXXX XXXX violations XXXX Credit Reporting XXXX XXXX XXXX violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ XXXX XXXX. XXXX ]

Company response to consumer: Closed with explanation