Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advance America, Cash Advance Centers, Inc. (TX)

On XX/XX/XXXX, XXXX XXXX submitted a dispute to XXXX regarding inaccuracies in her credit report related to an account with XXXX XXXX XXXX She highlighted several discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : The account was charged off in XX/XX/XXXX, but the report indicates a charge-off date of XX/XX/XXXX. 

The balance of {$230.00} has not changed since XX/XX/XXXX, which contradicts balance reporting requirements. 

The payment history shows conflicting statuses that could mislead creditors. 

The reported original balance of {$180.00} does not align with the current balance of {$230.00}. 

She has not received a 1099 form for this debt, raising concerns about its validity under the FDCPA. 

XXXX requests the immediate removal of the inaccurate charge-off account and asks for an investigation into the matter.Heres a summary of what happened : On XX/XX/XXXX, XXXX XXXX contacted XXXXXXXX XXXX XXXX  to dispute inaccuracies on her credit report regarding account number XXXX, originally from XXXX. She identified four major issues : 1. **Incorrect Original Creditor Date : ** The account was incorrectly reported as opened on XX/XX/XXXX, when the correct date was XX/XX/XXXX, which violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

2. **Inconsistent Payment History : ** The payment history inaccurately shows " current '' status for several months in XXXX and XXXX, which contradicts the debt being in collections. 

3. **Incomplete Information : ** The report lacks updates for XXXX and XXXX in both XXXX and XXXX, calling into question the accuracy of the reporting. 

4. **No Balance Updates : ** The {$1300.00} debt shows no updates, adjustments, or settlements since it was transferred to collections, violating reporting standards. 

XXXX a summary of what happened : On XX/XX/XXXX, XXXX XXXX contacted credit reporting agencies ( XXXX, XXXX XXXX, XXXX ) to dispute the charge-off status of an account with **XXXX XXXX XXXX.** for an original balance of {$250.00}. The account, which was updated to a **30-day past due** status in XXXX XXXX, is inaccurately listed as " Paid, Closed '' but is still considered a negative balance and negatively affecting her credit report. Additionally, she has not received a **1099** form, raising concerns about the account 's validity and reporting accuracy.Heres a summary of what happened : On XX/XX/XXXX, XXXX XXXX contacted the credit reporting agencies, including XXXX, XXXX XXXX XXXX and XXXX, to dispute inaccurate information on her credit report related to an account with XXXX XXXXXXXX XXXX XXXX Account Number : XXXX ). The key issues she identified include : 1. **Incorrect Charge-Off Date : ** The account was charged off in XX/XX/XXXX, but the payment history shows a charge-off date of XX/XX/XXXX. 

2. **Unchanged Balance : ** The balance of {$230.00} has not been updated since XX/XX/XXXX, violating the requirement for accurate balance reporting. 

3. **Inconsistent Payment History : ** The payment history reflects conflicting statuses, which could mislead potential creditors.

4. **Discrepancy in Balance : ** The original balance was reported as {$180.00}, while the current balance is {$230.00}.

5. **No 1099 Form Received : ** She never received a 1099 form for this debt, raising questions about its validity and compliance with the FDCPA. 

She requests an immediate investigation into these inaccuracies and the removal of the charge-off account from her credit report. 
XXXX a summary of what happened : On XX/XX/XXXX, XXXX XXXX contacted **Experian** to dispute inaccuracies on her credit report regarding an account from **XXXX XXXX XXXX XXXXXXXX, originally with **Advance America**. She identified several issues with the reporting of the account, which violate the **Fair Credit Reporting Act ( FCRA ) ** and **Fair Debt Collection Practices Act ( FDCPA ) **. 

The issues include : 1. **Inconsistent Status Update Date : ** The status was updated in XX/XX/XXXX, while the balance was last updated on XX/XX/XXXX, which violates FCRA XXXX XXXX ( a ) ( XXXX ). 

2. **Duplicate Collection Notations : ** There are duplicate entries for XX/XX/XXXX in the payment history, violating FCRA Section 609 ( a ). 

3. **Static Balance History : ** The balance of {$250.00} has remained unchanged since XX/XX/XXXX, which is unusual for a collection account and violates FCRA Section 623 ( a ) ( 1 ) ( B ). 

4. **Incorrect Terms : ** The report states a " 1 Month '' term, which is misleading given the age of the account and violates FCRA Section 609 ( a ) ( 1 ). 

XXXX. **No Changes After Previous Dispute : ** The account remained unchanged after a previous dispute in XX/XX/XXXX, violating FCRA Section 611 ( a ). 

XXXX requests the immediate removal of the account and a thorough investigation with a written confirmation of the findings. 

disputing several inaccuracies on your credit report regarding an account with XXXX XXXX XXXX XXXXXXXX, originally opened with XXXX. The main issues include : Incorrect Account Inception Date : The account was reported as opened in XX/XX/XXXX, but the original debt was incurred earlier. This misreporting violates both the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Inconsistent Payment History : The account is listed as " current '' for numerous months in XXXX and XXXX, while it was also reported as being in collections during the same time. This contradiction misrepresents the account status. 

Unchanged Balance and Incomplete Information : The balance has remained unchanged at {$1600.00}, despite updates to the account status in XX/XX/XXXX. Additionally, important updates for XXXX and XXXX of XXXX and XXXX are missing from the report. 

Failure to Update Balance After Collection : There has been no reflection of efforts to resolve or adjust the balance since the debt entered collections. This lack of update violates the FCRA and FDCPA.