Consumer complaint received 2023-07-13
Company: OPORTUN FINANCIAL CORPORATION
State: CA
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:
Subject : Dispute of Discrepancies and Request to Close Account Reporting Inaccuracies Violation of Consumer Law FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( a ) Dear Oportun Inc. , I am writing to dispute several discrepancies related to an account that is currently being reported inaccurately on my credit reports by all three credit bureaus. The account in question is a collection/charge-off account, and the reported information contains numerous inaccuracies regarding payment history, high balance amount, date of last activity, date opened, closed date, and last payment date. These discrepancies not only misrepresent my credit history but also violate the provisions of the Fair Credit Reporting Act ( FCRA ) under section 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( a ). 

1681s-2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Upon reviewing my credit reports obtained from XXXX, XXXX, and XXXX on XX/XX/XXXX, I have identified the following discrepancies on XXXX. Oportun. Inc. is also reporting different inaccurate information across all 3 credit bureaus : XXXX Credit Report : XXXX Account Details : Creditor : Oportun Inc . 
Account Number : XXXX Discrepancies : Date Opened : XX/XX/XXXX. 
Date Closed : XX/XX/XXXX. 
Last Payment Date : XX/XX/XXXX High Balance Amount : {$320.00} Date of Last Activity : XX/XX/XXXX Payment History : NONE REPORTED On XX/XX/XXXX, I also identified the following discrepancies on XXXX. 

XXXX Credit Report : XXXX Account Details : Creditor : Oportun Inc . 
Account Number : XXXX Discrepancies : Date Opened : XX/XX/XXXX. 
Date Closed : N/A Last Payment Date : XX/XX/XXXX High Balance Amount : {$320.00} Date of Last Activity : XX/XX/XXXX Payment History : DAYS LATE 30 Days : XXXX, 60 Days:1, 90 Days : XXXX On XX/XX/XXXX, I lastly identified the following discrepancies on XXXX. 

XXXX Credit Report : XXXX Account Details : Creditor : Oportun Inc . 
Account Number : XXXX Discrepancies : Date Opened : XX/XX/XXXX. 
Date Closed : N/A Last Payment Date : XX/XX/XXXX High Balance Amount : {$310.00} Date of Last Activity : XX/XX/XXXX Payment History : DAYS LATE 30 Days : XXXX, 60 Days:1, 90 Days : XXXX Inaccurate Reporting : The reported information contains significant inaccuracies across all three credit reports. These discrepancies include incorrect payment history, high balance amount, date of last activity, date opened, date closed, and last payment date. The inaccuracies present an unfair and misleading representation of my creditworthiness. 

Under the FCRA, it is the responsibility of credit bureaus and creditors to ensure the accuracy and integrity of consumer credit information. Therefore, I kindly request the following actions to be taken : 1. Conduct a thorough investigation into the discrepancies and inaccuracies associated with the account, as mandated by the FCRA.

2. Verify the accuracy of the reported information between all 3 credit bureaus.

3. Delete the inaccurate information from my credit reports across all three credit bureaus within 30 days, as required by the FCRA.

4. Close the account on all credit reports due to the inaccuracies and discrepancies present.

5. Provide me with a written confirmation of the investigation 's outcome, any actions taken to rectify the inaccuracies, and the closure of the account. 

I have attached copies of relevant supporting documents directly from my credit reports including account data, and evidence that substantiates my claim. These documents clearly demonstrate the discrepancies and inaccuracies in the reported information. 

Failure to comply with the FCRA and rectify the inaccuracies on my credit reports within the specified timeframe is a direct violation of my protected consumer rights by the FCRA. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically referring to section 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( a ). This provision places obligations on credit bureaus and furnishers of information to ensure the accuracy, completeness, and integrity of consumer credit information. As a consumer, I am invoking this provision to dispute and rectify the inaccuracies present on my credit reports. 

I appreciate your prompt attention to this matter. Please ensure that all communication regarding this dispute is sent to the address listed above. 
Thank you for your immediate action in resolving this dispute. I expect a timely response and a swift resolution of this matter.

Company response to consumer: Closed with explanation