Consumer complaint received 2022-11-22
Company: STATE EMPLOYEES CREDIT UNION
State: NC
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:
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

PLEASE HAVE ALL THESE ACCOUNTS UPDATED TO- PAID CLOSED NEVER LATE ALSO- HAVE THE STATE EMPLOYEES CREDIT UNION OF NC REMIT THE {$5000.00} PENALTY FOR EACH ACCOUNT TO ME FOR THIS VIOLATION. THESE ACCOUNTS ARE LISTED BELOW. 
Account info Account name STATE EMPLOYEES CRED UN Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$7700.00} Highest balance {$0.00} Terms XXXX  Months Account info Account name STATE EMPLOYEES CRED UN Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$29000.00} Highest balance {$0.00} Terms 54 Months Account info Account name STATE EMPLOYEES CRED UN Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$8.00}, XXXX written off. {$8.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$8000.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$25000.00} Highest balance {$0.00} Terms 66 Months On record until XX/XX/XXXX Account info Account name STATE EMPLOYEES CUXXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$5.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$4500.00} Highest balance {$7700.00} Terms NA Account info Account name STATE EMPLOYEES CRED UN Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$29000.00} Highest balance {$0.00} Terms 54 Months Account info Account name STATE EMPLOYEES CRED UN Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$8.00}, XXXX written off. {$8.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$8000.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$25000.00} Highest balance {$0.00} Terms 66 Months On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation