Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sezzle Inc.
State: NY

Complaint narrative:
Sezzle Account # XXXXXXXX XXXX XXXX XXXX XXXX This is in response to Sezzle 's response under CFPB # XXXX, which I will attach to this updated complaint. 

Based on your response that you're the original creditor & claimed to be reporting the account accurately on my consumer report in which i will attach a screenshot to show all inaccuracies, you as the data furnisher have violated me.

I am submitting this complaint regarding Sezzles continued furnishing of materially inaccurate, incomplete, and misleading information to consumer reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ).

Despite multiple disputes, Sezzle has failed to correct or delete demonstrably inaccurate information on my consumer reports and continues to rely on conclusory statements and unsigned documents that do not establish legal liability for the alleged debt.

Furnishing Materially Inaccurate and Inconsistent Information ( FCRA Violations ) Sezzle is reporting conflicting account information to XXXX, XXXX, and XXXX  for the same alleged account, including but not limited to : Different credit limits reported across bureaus ( {$500.00} vs. {$0.00} ) Different high credit amounts reported ( {$960.00}, {$560.00}, and {$0.00} ) Different account type descriptions Inconsistent reporting of dispute status across CRAs Reporting the account as charged off while simultaneously reporting a $ XXXX  monthly payment and ongoing delinquency These inconsistencies are material inaccuracies because they are misleading and capable of adversely affecting credit decisions.

This conduct violates : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known or that should be known to be inaccurate 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681s-2 ( a ) ( 2 ) Failure to correct information that is incomplete or inaccurate Failure to Conduct a Reasonable Investigation After Disputes After I disputed this account through consumer reporting agencies and submitted a CFPB complaint, Sezzle was required to conduct a reasonable investigation and correct or delete inaccurate or unverifiable information.

Instead, Sezzle relied on internal reporting snapshots without reconciling or correcting the contradictory information being furnished to different CRAs.

This failure constitutes a violation of : 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation upon notice of dispute Failure to Establish Legal Liability for the Alleged Debt ( FCRA & FCBA ) In response to disputes, Sezzle provided only : Account printouts A generic contract without my wet-ink signature Documents containing no consumer signature at all These documents do not establish that I legally owe the alleged debt.

Under federal law : Credit reporting must be verifiable, complete, and accurate A printout or unsigned agreement does not demonstrate mutual assent or contractual liability By continuing to report this account without evidence establishing my obligation, Sezzle is furnishing information that can not be verified as accurate, in violation of : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( b ) Fair Credit Billing Act ( FCBA ) Violations This account involves a consumer credit transaction subject to the Fair Credit Billing Act, 15 U.S.C. 1666.

I timely disputed the alleged balance and requested substantiation. Sezzle failed to : Provide documentation demonstrating that the charges were authorized Provide evidence of my agreement to the alleged balance Correct or remove billing errors after receiving notice This constitutes violations of : 15 U.S.C. 1666 ( a ) Failure to properly respond to a billing error notice 15 U.S.C. 1666 ( b ) ( 1 ) Failure to correct charges not made by the consumer 15 U.S.C. 1666a ( a ) Failure to substantiate the amount owed Continued Reporting of Unverifiable Information Because Sezzle can not produce : A signed agreement Proof of authorization Consistent and accurate account data Sezzle can not legally continue furnishing this tradeline.

The continued reporting of unverifiable, inconsistent data constitutes ongoing noncompliance with federal consumer protection laws.

SINCE YOU CAN NOT PROVIDE A WET INK SIGNATURETHERE 'S NO VALID CONTRACT AS THERE WAS NO MEETING OF THE MINDS.

Company response to consumer: Closed with explanation