Consumer complaint received 2023-06-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
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:
Dear CFPB, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX XXXX : Dispute of Incorrect and Unfair Reporting of Account Dividend Solar Finance Dear Sir/Madam, I have made multiple attempts to get this information corrected and removed off of my credit report. At this point it is becoming more and more obvious that this company is deliberately sabotaging my credit, which is completely illegal. I have not been provided any reason or excuse as to why the account still remains open after XXXX business days. It continues to show an overdue balance and is continually reporting delinquent. I was promised and assured that it would be removed after 30 days of full payment was received. Several people at Dividend that I spoke with multiple times gave me that specific information. XXXX person I spoke to was XXXX. 

Now, I am making another attempt to formally dispute the inaccurate and unfair reporting of an account on my credit reports with XXXX and XXXX. The account in question is with XXXX XXXX XXXX and it has not been correctly updated to reflect the payment I made on XX/XX/XXXX, which has resulted in continuous delinquent reporting on my credit report. As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ). These laws have been enacted to protect consumers like myself from unfair and erroneous credit reporting practices. The inaccurate reporting by XXXX XXXX XXXX, not only violates these laws but also damages my creditworthiness and financial standing. 
Here are the specific details regarding the incorrect reporting : Account Name : Divided Solar Finance Account Number : LGxxxxxxxx Date of Payment : XX/XX/XXXX Late Payment Status : Incorrectly showing delinquent with XXXX late payments, open balance, over due balance. 
I have made multiple attempts to rectify this situation by contacting Divided Solar directly and disputing the account through XXXX and XXXX. Despite their assurance that the account would be updated after 30 days, the incorrect information continues to be displayed on my credit reports. In accordance with FCRA Section 609, I kindly request that XXXX and XXXX investigate this matter thoroughly and remove the inaccurate information from my credit reports. The basis for my dispute lies in the following grounds : Violation of FCRA Section 623 ( a ) ( 2 ) : Divided Solar Finance failed to report the payment made on XX/XX/XXXX, which has resulted in an inaccurate and misleading representation of my credit history. Violation of FCRA Section 623 ( a ) ( 1 ) ( A ) : The continued reporting of late payments by Divided Solar Finance is unjustified and unfair, especially considering the circumstances surrounding the late payments. 
I explicitly requested forgiveness for the late payment in light of the Covid-19 regulations that were implemented during the relevant period. 
As a consumer, I am well aware of my rights and the protections afforded to me under the Fair Credit Reporting Act ( FCRA ) and the CARES Act. The CARES Act, enacted by the federal government to provide relief to consumers during the Covid-19 pandemic, includes provisions concerning late payments and credit reporting. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), creditors are required to provide accurate and complete information to credit reporting agencies. This statute imposes a duty on Divided Solar to report accurate and up-to-date information regarding my account.

As a consumer I have every right to take action and be compensated for any malicious tactics used against me to harm my credit. 
They have failed to fulfill this obligation, causing significant harm to my credit standing. I kindly request that XXXX and XXXX investigate this matter within the XXXX time frame stipulated by the FCRA and provide a written response with their findings. In the event that the investigation reveals the inaccuracies in the reporting, I request that the incorrect information be promptly removed from my credit reports. 
Please find enclosed copies of supporting documents, including proof of payment made to Divided SolaXXXX on XX/XX/XXXX and any correspondence related to the account. I believe this evidence will substantiate my claim and aid in the swift resolution of this matter. 
I trust that you will handle this dispute with the utmost urgency and diligence, in accordance with the laws and regulations put in place to protect consumers. I appreciate your attention to this matter and look forward to receiving a favorable resolution. Thank you for your prompt assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation