Consumer complaint received 2022-01-19
Company: Grant Mercantile Agency
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
MY ORIGINAL COMPLAINT. 
GRANT MERCANTILE AGE ( GRANT MERCANTILE AGENCY ) contacted me attempting to collecting on a debt that I have never contracted or agreed to pay them. The rep I owed them the debt even tho I had not contracted to pay them because they purchased the debt from another company. I told the rep I would not be paying on a debt that doesn't belong to me and I think he/she may be calling the wrong person. I also told that rep I would be sending in a debt validation letter to validate this debt. The rep continued to call me everyday for the next couple weeks, leaving me threats on my voicemail. They also began to contact me by mail shortly after the first call I had with that rep. After them XXXX me for this debt they started to report negative and defaming information on my consumers report about this account.Upon checking this account I noticed GRANT MERCANTILE AGE ( GRANT MERCANTILE AGENCY ) reported multiple inaccuracies on this account to the three main credit reporting agencies. I immediately thought to myself this account was not handled with accuracy or integrity due to the number of inaccuracies within this account. When I noticed the account on my consumers report I sent GRANT MERCANTILE AGE ( GRANT MERCANTILE AGENCY ) a debt validation letter which I have attached to this complaint. GRANT MERCANTILE AGE ( GRANT MERCANTILE AGENCY ) never responded to the letter. Since they have never responded to the letter or supplied me with sufficient information in order to validate this debt, I know the debt is a mistake and not mines. I don't not feel like my account was handled with accuracy and/or integrity. Therefore, with respect, I am challenging the accuracy and integrity of this information. 12 CFR 1022.41states ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 12 CFR 1022.41 ( d ) also states Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Due to the number of inaccuracies within this account which I have highlighted in the image below in the attachment section I know this debt is a mistake and shows this account was not handled with accuracy or integrity.As you can see For account XXXX  there is inaccurate account numbers, date opened, balance, high credit, last reported, and date last active reporting to the two credit reporting agencies. Please remove this account from my consumers report. Due to the inaccuracies of this account reporting to three credit reporting agencies incorrect information I have been denied loans I would have been approved for had this account been handled with accuracy and integrity. This has caused me XXXX XXXX XXXX XXXX XXXX XXXX XXXX GRANT MERCANTILE AGE : XXXX After sending in this complaint GRANT MERCANTILE AGE ( GRANT MERCANTILE AGENCY ) did not decide to take this inaccurate account off my consumers report.This is now my second complaint and they did not answer any question in my first complain nor did they try to resolve this. Grant Mercantile age did not provide me with their reasonable policies and procedures concerning the accuracy and integrity of the furnished information on my credit report. They did not answer the question of if those policies and procedures are furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report. They never gave me an explanation of why they are violating code 12 CFR 1022.41. They never gave me an explanation of why they are not upholding code 12 CFR 1022.41as a data furnishing company.12 CFR 1022.41states ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 12 CFR 1022.41 ( d ) also states Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Instead of removing the inaccuracies of my consumers report they stated they reached out to the original provider per my request which I did not request. They still have yet to explain why there are inaccurate account numbers, date opened, balance, high credit, last reported, and date last active reporting to the three credit reporting agencies. There is no way this account is accurate while furnishing so many inaccuracies within this account. Instead of removing this inaccurate account They attached a copy of a signature that's not mines, which validates my earlier statement to their previous rep, I have never agreed or contracted to pay on this debt. They still have not furnished sufficient evidence to verify this account belongs to me. Grant Mercantile Age is choosing to still furnishing inaccurate information on my consumers report while knowing this debt doesn't belong to me. I know they are not upholding 12 CFR 1022.41as a data furnishing company because I the consumer am still suffering from this inaccurate account which they know is inaccurate because I have attached supporting evidence to show all inaccuracies within this account. I am still waiting for Grant Mercantile Age to provide me with their reasonable policies and procedures concerning the accuracy and integrity of the furnished information on my credit report. Instead of removing this inaccurate account they are choosing to still furnish inaccurate Information on my consumers report and have me suffer as a consumer.

Company response to consumer: Closed with explanation