Consumer complaint received 2022-07-18
Company: Malen & Associates, p.c.
State: NY
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:
On Thursday XX/XX/2022 at XXXX XXXX  I called XXXX XXXX ( XXXX ) XXXX. This call lasted approximately XXXX minutes and XXXX seconds. The nature of this call is to dispute four items on the credit report I have provided. As of XX/XX/2022 XXXX claims that these four items are to remain on the credit report as they have been " certified to XXXX that the information is accurate. '' Let me add that the information currently reported by XXXX is absent from XXXX 's records. XXXX has removed all four items from their records. During the call with XXXX the representative requested that I contact the " creditor '' s on file as well. In reference to the XXXX item listed on the report, I was told specifically on XX/XX/2022 during a ( XXXX ) XXXX call lasting XXXX minutes and XXXX seconds on a recorded line with a representative that XXXX does not report directly to XXXX but only to XXXX. This is consistent with the fact that XXXX no longer displays the XXXX item on the XXXX credit report in reference to the credit report in question. In reference to the XXXX XXXX  mortgage account XXXX claims that the information reported is " Verified and Updated. '' XXXX also claims that " The information you disputed has been verified as accurate. '' In reference to this item I informed XXXX specifically that I contacted the local authorities in reference to this particular item and that XXXX XXXX  engaged in identity theft in reference to the creation of this account. The account number that is listed on the XXXX dispute response is inconsistent with the account number previously provided or mentioned in the current mortgage foreclosure proceedings in XXXX XXXX XXXX SUPREME COURT. Furthermore, though XXXX claims that the account is " verified '', " updated '' and " accurate '' there is no reported balance on the account. If the account is opened, verified and updated why is there no balance with a date denoting when it is last updated? When you compare this item with the other items listed on the dispute this is the only item where there is no balance. The balance may very well be null or zero and this would be proof that the account is in fact closed. This item is the subject of previous CFPB complaints namely XXXX where the debt collecting law firm refused to respond to the CFPB complaint and XXXX XXXX another credit bureau agreed that fraud is likely present in the claim. These discrepancies are inaccuracies and violate a debtor 's rights to have accurate information reported on its credit report. The XXXX XXXX POLICE DEPARTMENT complaint number in reference to the XXXX XXXX  account is XXXX. The XXXX XXXX  listing is also inaccurate as there is record on file with XXXX XXXX SUPREME COURT that XXXX XXXX XXXX XXXX is in possession of a negotiable instrument towards the full amount of the outlined debt that they failed to process and/or share with XXXX XXXX that they might process the negotiable instrument in accordance with the law. The same applies to XXXX XXXX XXXX  as XXXX XXXX XXXX is also in possession of a negotiable instrument towards the satisfaction of the debt outlined yet failed to process and/or share this negotiable instrument with XXXX  XXXX XXXX  so that it may be properly honored or dishonored. XXXX is sharing information with the public that is inaccurate and/or false in reference to my credit report. The information in question is already removed from XXXX 's corresponding file. I will do my due diligence and files separate CFPB complaints for each of these " creditor '' XXXX In respect to XXXX XXXX XXXX we will find out specifically whether XXXX or the representative I spoke with is being forthright as I receive conflicting information over the phone. I'd like to thank the men and women at CFPB for giving the public an avenue to make their concerns public and find resolution when it seems impossible to do so with certain companies.

Company response to consumer: Closed with explanation