Consumer complaint received 2022-07-10
Company: SUNCOAST CREDIT UNION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX an agent received, and signed for the consumers debt validation/ verification letter The agent who received and signed for the consumers debt validation and proof of claim letter failed to print their name and date the return receipt ; This person has failed to add ACCOUNT IN DISPUTE remarks to the alleged accounts, and has truncated all alleged account numbers on the consumer 's report in violation of : 15 U.S. Code 1692e - False or misleading representations XX/XX/XXXX SUNCOAST CREDIT UNION reported an alleged balance of {$770.00} as a charge-off to the third party company XXXX, instead of adding ACCOUNT IN DISPUTE remarks. 

And reported the same alleged account as a charge-off with balance {$770.00} to the third party company XXXX XX/XX/XXXX instead of adding ACCOUNT IN DISPUTE remarks. 

Both account numbers are truncated. 

XX/XX/XXXX SUNCOAST CREDIT UNION also reported another alleged account on the consumers report as Charged off as bad debt Dispute resolved; customer disagrees to the third party company XXXX. 

XX/XX/XXXX this person reported an alleged account balance of {$2500.00}, and a last payment date of XX/XX/XXXX to the third party company XXXX But reported an alleged account balance of {$2500.00}, and a last payment date of XX/XX/XXXX to the third party company XXXX, XXXX XXXX SUNCOAST CREDIT UNION also reported the alleged account as charged off account to the third party company XXXX XXXX XX/XX/XXXX Both account numbers are also both truncated. 

XX/XX/XXXX SUNCOAST CREDIT UNION reported an {$8.00} balance increase on the alleged account to the third party company XXXX in violation of : 15 U.S. Code 1692e - False or misleading representations ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

This person was notified in writing by the consumer XX/XX/XXXX at the address specified by the person for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate. 

This person was also notified in writing to cease further communication with consumer and any third parties XX/XX/XXXX This person did not have the prior consent of the consumer. This willful noncompliance violates 15 U.S. code 1692c- Communication in connection with debt collection ( a ) Communication with the consumer generally ( b ) Communication with third parties ( c ) Ceasing communication ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

The continued furnishing and reporting of inaccurate unverifiable information relating to the consumer to third party consumer reporting companies violates : 15 U.S. code 1692g- Validation of debts ( b ) Disputed debts The debt collector shall cease collection of the debt, until the debt collector obtains verification of the debt or a copy of a judgment which must be mailed to the consumer by the debt collector within a thirty-day period.

This person is reporting information with actual knowledge of errors, and is in breach of duty of 15 U.S. code 1681s-2 as data furnishers to consumer reporting agencies SUNCOAST CREDIT UNION continues to report information after notice and confirmation of errors These prohibited and unfair practices ha be caused severe harm to my character, my family, my general mode of living, and my ability to obtain credit for personal, and household usage, and warrants this person be brought under civil liability pursuant to 15 U.S. code 1692k for their willful noncompliance in this matter.

Company response to consumer: Closed with explanation