Consumer complaint received 2021-02-18
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
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:
US DEPT ED XXXX  Balance Owed : {$5500.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting.

US DEPT ED XXXX  Balance Owed : {$9200.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.

US DEPT ED XXXX**** Balance Owed : {$10000.00} - Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act.

US DEPT ED XXXX Balance Owed : {$4500.00} - This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post.

US DEPT ED XXXX**** Balance Owed : {$4200.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this.

US DEPT ED XXXX  Balance Owed : {$9700.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather delete this erroneous account.

US DEPT ED XXXX  Balance Owed : {$5400.00} - This specific account is certainly displayed as a charged off account, please let me know it appears under my name when it is not familiar to me. The balance is in fact inaccurate, please make sure to get rid of the item completely. Provide me with the documentation to confirm all the charges and credits to this particular account as indicated under my record. My demand for you to provide this document is a request according to my legal rights allowed through the fair credit billing act. If you don't generate these records per my civil rights request, make sure to automatically DELETE this wrong post.

US DEPT ED XXXX Balance Owed : {$10000.00} - This account is showing several violations. You are reporting a Monthly payment on this closed account. These are violation please delete this account.

US DEPT ED XXXX  Balance Owed : {$1200.00} - This account shows a lot of violations. Balance is incorrect and payment history is inaccurate. Delinquencies reported after the account was closed. These are all violations please REMOVE this.

FIDELITY CRD XXXX Balance Owed : {$4400.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared.

XXXX XXXX XXXX Balance Owed : {$1100.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation