Consumer complaint received 2018-05-24
Company: Continental Finance Company, LLC
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: Information is missing that should be on the report

Complaint:
XXXX/CONTINENTAL FINANCE ( c/o XXXX/Continental ) Account # XXXX XXXX XXXX XXXX On XX/XX/XXXX, I drafted a letter to XXXX/Continental Finance ( c/o XXXX/Continental Finance ) that challenged the accuracy and completeness against my XXXX Credit Bureau Report. Specifically, between dates XX/XX/XXXX and XX/XX/XXXX, the charge card that listed in my name reported the account 30 days late and 60 days late. That same day, I mailed the letter through U.S. Postal Service Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX to XXXX/Continental Finance ( c/o XXXX/Continental Finance ). 

On XX/XX/XXXX, XXXX/Continental Finance employee " XXXX '' signed and dated " XX/XX/XXXX '' the green U.S. Postal Service Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX return card. 

Upon receipt of the green U.S. Postal Service Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX return card, I pulled a copy of my XXXX Bureau Report # XXXX for " XX/XX/XXXX '', and upon review, I noticed that : XXXX/Continental Finance ( c/o XXXX/Continental Finance ) was liable for their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) -Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( 1 ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

because XXXX/Continental Finance ( c/o XXXX/Continental Finance ) did not " furnish the information to any consumer reporting agency without notice that such information is " disputed by the consumer '', on Day 1, which began on " XX/XX/XXXX '' and signed and dated by XXXX/Continental Finance employee " XXXX ''.

OnXX/XX/XXXX, I received a letter dated XX/XX/XXXX that was mailed by XXXX/Continental Finance ( c/o XXXX/Continental Finance ) XXXX, which clearly stated they, XXXX/Continental Finance ( c/o XXXX/Continental Finance ) XXXX, They were unable to respond to my letter as a notice of dispute under the Fair Credit Reporting Act, because it didn't contain all of the required information. 

On XX/XX/XXXX, I pulled a copy of my XXXX  Credit Report, and upon review, I noticed that : Yet again, XXXX/Continental Finance ( c/o XXXX/Continental Finance ) was liable for their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) -Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( 1 ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

because XXXX/Continental Finance ( c/o XXXX/Continental Finance ) did not " furnish the information to any consumer reporting agency without notice that such information is " disputed by the consumer '', on Day 30 ( XX/XX/XXXX ), which began on " XX/XX/XXXX '' and signed and dated by XXXX/Continental Finance employee " XXXX ''. 

I drafted a letter to XXXX/Continental Finance ( c/o XXXX/Continental Finance ) that was dated XX/XX/XXXX ( and mailed it through the U.S. Postal Service Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ) to XXXX/Continental Finance ( c/o XXXX/Continental Finance ). The green U.S. Postal Service Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX return card was again signed and dated on XX/XX/XXXX by XXXX/Continental Finance employee " XXXX '' In the letter, It stated the following : As you have violated federal law, by not properly, providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, ( via certified mail receipts, an XXXX Credit Report # XXXX dated XX/XX/XXXX, and a XXXX response letter, dated XX/XX/XXXX ) you must now remove the item. Any other action ( and inaction ) on  your behalf mart result in a small claims action against your company. 

I would be seeking a minimum of {$1.00}, XXXX in damages per violation for : *Defamation *Negligent Enablement of Identity Fraud *Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) *Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 ) To date, XXXX/Continental Finance ( c/o XXXX/Continental Finance ) failed to respond to my letter nor have they taken any action to rectify this important matter.

Resolution Requested : I request that XXXX/Continental Finance ( c/o XXXX/Continental Finance ) removed this account from my XXXX Credit Bureau Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation