Consumer complaint received 2017-08-07
Company: Focus Holding Company
State: FL
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:
Focus Receivables LLC ACCT : # XXXX XXXX Acct : XXXX I am writing to dispute status on my XXXX Credit Report. I have placed several disputes with XXXX, and the CFPB and nothing has been update. The Account Status is incorrect, it should be listed as paid in full/ closed. The account history is incorrect. The payment {$1500.00} made on XX/XX/XXXX should have been marked as paid or ok on XX/XX/XXXX, and CLS closed on XX/XX/XXXX not XX/XX/XXXX, and thereafter should be marked NR No Data not CO -collwction. The Historical payment history does not reflect payment made on XX/XX/XXXX and still shows outstanding balance of {$1500.00}. So exactly what did you investigate before closing my dispute file # XXXX? Also on that dispute you were asked which is required by law to accurately and completely fill out your report by adding the payment amount and date close, which still hasnt been done. This to me constitutes fraud, and extortion and is in violation of Pub. L. No. 108-159, 117 Stat. 1952, codified to 15 U.S.C. 1681-1681x. Credit ReportFiles are to be accurate, and complete since information contained on this Trade Mark havent been  either, you have legally harmed me under law. Statement that Im seeking remedy under law is to be added to comments immediately. Previous complaint from the CFPB you chose to add theremark on one or two of the six Trade Marks reported why? I spoke to XXXX XXXX at Focus Receivables on XX/XX/XXXX XXXX XXXX Sending out letter to me and XXXX and XXXX again first letter sent XX/XX/XXXX requesting above change. They also told me that they send you the same billing statement to make necessary changes, that I received in the mail and you are responsible for the accuracy and completeness of the report, not them. Since you already received complete and accurate documentation ( that you replied back to me stating you refuse to use information I provided, I assume this matter will be resolved immediately. I am not waiting another 30 days. You are in violation of my consumer right under FCRA and FACT Act. 
I want a copy of the dispute procedure mailed to me and sent to Florida State Attorneys Office listed above. I am requesting my free copy of the full report since I cant get it online and the online link  when available is only for a short period of time, only and doesnt allow me to download and save the document. Do n't state in FCRA provide copy of legal statute, section and sub-section that verbatim proves youare in compliance with regulation/ statue and not your opinion of the meaning to me, the CFPB and the Florida State Attorney General Office listed in the attachment. I am asking The Florida XXXX XXXX office to investigate and prosecute on my behalf, since youhavent deliberately complied with my disputes or complaints with the CFPB : for the {$1000.00} remedy and removal of this Trade Mark due to in action of 2,5 years which has harmed me under law.

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