Consumer complaint received 2024-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc. (TX)

Conns Appliance Inc has been reporting 3 accounts with the same account number as a charge-off on all 3 bureaus of my credit report that are not mine and possibly someone with a similar name or initials. Conn 's provided information that does not match the information on my credit report. The account number and dollar amounts do not match the documentation that Conns provided and can be reported illegally on my credit report. This is a violation of the Federal Credit Reporting Act. And the company, XXXX and XXXX are all reporting this incorrectly. It is a total of over XXXX in debt on my report and each account is showing a different amount. These accounts are charged-off as of XXXX and I have been disputing them over the last 5 years including providing a previous complaint to the CFPB that was not investigated correctly. The most recent dispute was filed with the bureaus on XX/XX/XXXX. I requested for the Bureaus to verify and validate the following : 1. Pay of Disclosure 2. Interest Rate Disclosure 3. Payment History 4. Balance History 5. Credit Insurance Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.