Consumer complaint received 2019-04-17
Company: Colony Brands, Inc.
State: MD
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:
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX RE :  GINNY 'S # XXXX Dear Consumer Financial Protection Bureau Representative : Between XXXX and XXXX, I made several attempts to dispute and to resolve multiple errors against in my credit files with XXXX, XXXX and XXXX. On each occasion, GINNY 'S, INC #  XXXX declined to change obvious errors within my XXXX, XXXX and XXXX   credit reports. 

On XX/XX/XXXX, I wrote a " Notice of Direct Dispute '' letter, under the provisions of FCRA 623 ( a ) ( 8 ) ( E ), directly to creditor, Ginny 's INC, that requested a review all of relevant information and a reasonable investigation into multiple inaccurate errors between the three ( 3 ) different bureaus ( XXXX, XXXX and XXXX ). 

Identification of the specific information beingdisputed : XXXX ( Credit File : XX/XX/XXXX/Confirmation # XXXX ) ; XXXX ( File Number : XXXX/Date Issued : XX/XX/XXXX ) ; and XXXX ( Report # XXXX for XX/XX/XXXX ) reporting for GINNY 'S Account Number:XXXX Basis for thedispute was merely about inaccurate and deliberate errors caused by GINNY 'S , INC, between three ( 3 ) different credit bureaus against the same GINNY 'S account # XXXX. 

1 ) On XXXX, DATE OPENED XX/XX/XXXX, DATE OF 1st DELINQUENCY XX/XX/XXXX, HIGH CREDIT   is left blank, CLOSED AS A CHARGE-OFF WITHOUT A LAST DATE OF LAST ACTIVITY, CHARGE OFF AMOUNT is left blank, DATE CLOSED XX/XX/XXXX, CONSUMER DISPUTES THIS ACCOUNT INFORMATION and PAYMENT HISTORY is incomplete but ; However, 2 ) On XXXX, the DATE OPENED is XX/XX/XXXX, LAST PAYMEMT MADE is XX/XX/XXXX, DATE CLOSED is XX/XX/XXXX, TERMS is Paid Monthly, ORIGINAL CHARGE-OFF {$60.00}, HIGH BALANCE {$290.00}, PAYMENT HISTORY is complete, CLOSED AS A CHARGE-OFF WITHOUT A LAST DATE OF LAST ACTIVITY and REMARKS : ACCT INFO DISPUTED BY CONSUMER but ; However, 3 ) On XXXX, DATE OPENED XX/XX/XXXX, HIGH BALANCE is {$290.00}, PAYMENT HISTORY is very limited with detail, DATE CLOSED left blank, PAID STATUS left blank, COMMENT : LEFT BLANK and CLOSED AS A CHARGE-OFF WITHOUT A LAST DATE OF LAST ACTIVITY The specific information that was requested and the basis for the dispute differ between the three ( 3 ) bureau reports for XXXX, XXXX and XXXX, which also included : Section 623 ( 5 ) ( A ) says : " In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. '' 1 ) " Re-Aging '' the " month and date '' of the " 1st Date of DELINQUENCY '' between XXXX, XXXX and XXXX credit bureau reports. GINNY 'S has caused this older account to look more recent which has absolutely ruined my credit score. 

Evidence : According to XXXX ( Credit File : XX/XX/XXXX/Confirmation # XXXX ), confirmed that GINNY 'S verified the " 1st Date of DELINQUENCY '' ( XX/XX/XXXX ) plus 7 years is equivalent to ( XX/XX/XXXX ) as accurate, according to XXXX ( File Number : XXXX/Date Issued : XX/XX/XXXX ), confirmed that GINNY 'S verified the Estimated mouth and year that this item be removed : XX/XX/XXXX as accurate and according to XXXX ( Report # XXXX for XX/XX/XXXX ), confirmed that GINNY 'S did not verify " the month and date, this account is scheduled to go a positive status ''. How can there such a discrepancy if GINNY 'S INC, according to each credit bureau, verified the same information against the same GINNY 'S account? 

On Feburary XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX, I wrote a dispute letter that challenged XXXX ( see US Postal Service Certified Mail Receipt # XXXX XXXX XXXX XXXX and US Postal Service Certified Mail Return Receipt # XXXX XXXX XXXX XXXX XXXX ) , XXXX and XXXX ( see US Postal Service Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX XXXX and US Postal Service Certified Mail Return Receipt # XXXX XXXX XXXX XXXX XXXX ) to inaccurate, misleading and incomplete information that were listed against GINNY 'S, INC # XXXX. 

Identification of the specific information beingdisputed : XXXX ( Credit File : XX/XX/XXXX/Confirmation # XXXX ) ; XXXX ( File Number : XXXX/Date Issued : XX/XX/XXXX ) ; and XXXX ( Report # XXXX for XX/XX/XXXX ) reporting for GINNY 'S Account Number:XXXX Again, the basis for thedispute was merely about inaccurate and deliberate errors caused by GINNY 'S , INC, between three ( 3 ) different credit bureaus against the same GINNY 'S account # XXXX are identical by method : 1 ) On XXXX, DATE OPENED XX/XX/XXXX, DATE OF 1st DELINQUENCY XX/XX/XXXX, HIGH CREDIT is left blank, CLOSED AS A CHARGE-OFF WITHOUT A LAST DATE OF LAST ACTIVITY, CHARGE OFF AMOUNT is left blank, DATE CLOSED XX/XX/XXXX, CONSUMER DISPUTES THIS ACCOUNT INFORMATION and No PAYMENT HISTORY is available but ; However, 2 ) On XXXX, the DATE OPENED is XX/XX/XXXX, LAST PAYMEMT MADE is XX/XX/XXXX, DATE CLOSED is XX/XX/XXXX, TERMS is Paid Monthly, ORIGINAL CHARGE-OFF {$60.00}, HIGH BALANCE {$290.00}, No PAYMENT HISTORY, CLOSED AS A CHARGE-OFF WITHOUT A LAST DATE OF LAST ACTIVITY and REMARKS : ACCT INFO DISPUTED BY CONSUMER but ; However, 3 ) On XXXX, DATE OPENED XX/XX/XXXX, HIGH BALANCE is {$290.00}, PAYMENT HISTORY is very limited with detail, DATE CLOSED left blank, PAID STATUS left blank, COMMENT : LEFT BLANK and CLOSED AS A CHARGE-OFF WITHOUT A LAST DATE OF LAST ACTIVITY The specific information that was requested and the basis for the dispute differ between the three ( 3 ) bureau reports for XXXX, XXXX and XXXX, which also included : Section 623 ( 5 ) ( A ) says : " In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. '' 1 ) " Re-Aging '' the " month and date '' of the " 1st Date of DELINQUENCY '' between XXXX, XXXX and XXXX credit bureau reports. GINNY 'S has caused this older account to look more recent which has absolutely ruined my credit score. 

Evidence : According to XXXX ( Credit File : XX/XX/XXXX/Confirmation # XXXX ), confirmed that GINNY 'S verified the " 1st Date of DELINQUENCY '' ( XX/XX/XXXX ) plus 7 years is equivalent to ( XX/XX/XXXX ) as accurate, according to XXXX ( File Number : XXXX/Date Issued : XX/XX/XXXX ), confirmed that GINNY 'S verified the Estimated mouth and year that this item be removed : XX/XX/XXXX as accurate and according to XXXX ( Report # XXXX for XX/XX/XXXX ), confirmed that GINNY 'S did not verify " the month and date, this account is scheduled to go a positive status ''. How can there such a discrepancy if GINNY 'S INC, according to each credit bureau, verified the same information against the same GINNY 'S account? 

Note : All three ( 3 ) Credit Bureau 's confirmed they verified all " disputed information '' through contact made directly to GINNY 'S, INC. Based on the gathered between XXXX ( Credit File : XX/XX/XXXX/Confirmation # XXXX ) ; XXXX ( File Number : XXXX/Date Issued : XX/XX/XXXX ) ; and XXXX ( Report # XXXX for XX/XX/XXXX ) reporting for GINNY 'S Account Number:XXXX and XXXX ( Credit File : XX/XX/XXXX, XXXX/Confirmation # XXXX ) ; XXXX ( File Number : XXXX/Date Issued : XX/XX/XXXX ) ; and XXXX ( Report XXXX XXXX for XX/XX/XXXX ) reporting for GINNY 'S Account Number:XXXX, Ginny 's personal has made XXXX no attempt '' to " change '' any dispute information with regards to GINNY 'S Account Number # XXXX. 

Instead, it should be noted that, GINNY 'S has continued it's non-compliance of the Fair Credit Reporting Act ( FCRA ) by failing to do the following : 1 ) According to the Notice of Direct Dispute under the provisions of FCRA 623 ( a ) ( 8 ) ( D ) and 16 CFR 660.4-GINNY 'S failed to investigate the discrepancies between the XXXX, XXXX and XXXX credit bureau reports and submit the results within 30 days for GINNY 'S # XXXX. 

and GINNY 'S has also failed to : ( A ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors Apersonshall not furnish any information relating to aconsumerto anyconsumerreportingagencyif thepersonknows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errorsApersonshall not furnish information relating to aconsumerto anyconsumerreportingagencyif ( i ) thepersonhas been notified by theconsumer, at the address specified by thepersonfor such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

( C ) No address requirement Apersonwho clearly and conspicuously specifies to theconsumeran address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require apersonto specify such an address. 

( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by theconsumer, that would cause a reasonablepersonto have substantial doubts about the accuracy of the information. 

( 8 ) Ability of consumer to dispute information directly with furnisher ( A ) In general TheBureau, in  consultation with the Federal Trade Commission, the Federal banking agencies, and the XXXX XXXX XXXX XXXX, shall prescribe regulations that shall identify the circumstances under which a furnisher shall be required to reinvestigate a dispute concerning the accuracy of information contained in aconsumerreport on theconsumer, based on a direct request of aconsumer. 

( B ) ConsiderationsIn prescribing regulations under subparagraph ( A ), the agencies shall weigh ( i ) the benefits toconsumerswith the costs on furnishers and the credit reporting system ; ( ii ) the impact on the overall accuracy and integrity ofconsumerreports of any such requirements ; ( iii ) whether direct contact by theconsumerwith the furnisher would likely result in the most expeditious resolution of any such dispute ; and ( iv ) the potential impact on thecreditreporting process ifcredit repair organizations, as defined insection 1679a ( 3 ) of this title, including entities that would be a credit repair organization, but forsection 1679a ( 3 ) ( B ) ( i ) of this title, are able to circumvent the prohibition in subparagraph ( G ). 

( C ) Applicability Subparagraphs ( D ) through ( G ) shall apply in any circumstance identified under the regulations promulgated under subparagraph ( A ). 

( D ) Submitting a notice of disputeAconsumerwho seeks to dispute the accuracy of information shall provide a dispute notice directly to such person at the address specified by the person for such notices that ( i ) identifies the specific information that is being disputed ; ( ii ) explains the basis for the dispute ; and ( iii ) includes all supporting documentation required by the furnisher to substantiate the basis of the dispute. 

( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from aconsumerpursuant to subparagraph ( D ), the person that provided the information in dispute to aconsumerreporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by theconsumerwith the notice ; ( iii ) complete suchpersons investigation of the dispute and report the results of the investigation to theconsumerbefore the expiration of the period undersection 1681i ( a ) ( 1 ) of this titlewithin which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify eachconsumerreporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

The following dispute letters and evidence items are enclosed : 1 ) ONE NOTICE OF DISPUTE LETTER DATED XX/XX/XXXX 3 ) XXXX ( Credit File : XX/XX/XXXX, XXXX/Confirmation #  XXXX ) 4 ) XXXX ( File Number : XXXX Issued : XX/XX/XXXX ) 5 ) XXXX ( Report # XXXX for XX/XX/XXXX ) 6 ) One XXXX Dispute Letter ( dated XX/XX/XXXX ) 7 ) XXXX REPORT ( XX/XX/XXXX/Confirmation # XXXX ) 8 ) XXXX US Postal Service Certified Mail Receipt # XXXX XXXX XXXX XXXX and US Postal Service Certified Mail Return Receipt # XXXX XXXX XXXX XXXX XXXX ) 9 ) One XXXX Dispute Letter ( dated XX/XX/XXXX ) 10 ) XXXX REPORT ( FILE NUMBER # XXXX DATE ISSUED : XX/XX/XXXX ) 11 ) One XXXX DISPUTE LETTER ( dated XX/XX/XXXX ) 12 ) XXXX REPORT ( REPORT # XXXX FOR XX/XX/XXXX ) 13 ) XXXX US Postal Service Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX XXXX and US Postal Service Certified Mail Return Receipt # XXXX XXXX XXXX XXXX XXXX ) 14 ) Multiple U.S. Postal Service Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX and U.S.  Postal Service Certified Mail Return Receipt # XXXX XXXX XXXX XXXX XXXX ; U.S. Postal Service Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX and U.S. Postal Service Certified Mail Return Receipt # XXXX XXXX XXXX XXXX ; U.S. Postal Service Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX and U.S. Postal Service Certified Mail Return Receipt # XXXX XXXX XXXX XXXX XXXX ; U.S.  Postal Service Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX and U.S. Postal Service Certified Mail Return Receipt # XXXX XXXX XXXX XXXX XXXX ; U.S. Postal Service Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX and U.S. Postal Service Certified Mail Return Receipt # XXXX XXXX XXXX XXXX XXXX ; and U.S. Postal Service Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX and U.S. Postal Service Certified Mail Return Receipt # XXXX XXXX XXXX XXXX used to dispute credit bureaus errors with Ginnys. 


My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX

Company response to consumer: Closed with explanation