Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Reliable Credit Association, Inc.
State: HI

Complaint narrative:
I am writing in response to Reliable Credit Associations latest submission regarding my complaint. After carefully reviewing their response, I must emphasize the following unresolved issues and deficiencies in their investigation : 1. Failure to Provide Signed Documentation : Despite repeated requests, Reliable has not provided any signed agreement or verifiable proof establishing my obligation to the disputed account. Under the FCRA, creditors are required to supply specific, verifiable proof of the account, such as signed agreements or detailed account statements. Reliables failure to provide this documentation raises significant concerns about the legitimacy of their reporting. 
2. Admission of Manual Review Processes : Reliables response acknowledged that their employees review disputes manually rather than relying solely on XXXX. This admission undermines their claim that they have conducted a thorough investigation. A manual review should have identified the absence of a signed agreement or verifiable evidence supporting the accounts accuracy. The lack of such evidence indicates that their investigation remains incomplete. 
3. Ongoing Reporting of Potentially Inaccurate Information : Reliable continues to report this account to credit bureaus despite my valid dispute and the absence of required documentation. This is a clear violation of the FCRA, which mandates that only accurate, verifiable information may be reported. Without proof of my authorization, Reliable is unlawfully harming my credit profile by maintaining this account. 
4. Violation of FCRA Reporting Timeframes : Reliables response did not adequately address the accounts compliance with the seven-year reporting limit under Section 605 ( a ) of the FCRA. As I have stated, the accounts reporting period appears to exceed permissible timeframes, further rendering their reporting inaccurate and illegal. 
5. Insufficient Investigation and Resolution : Reliables reliance on vague dispute codes and incomplete investigations fails to meet the standards required under the FCRA. A thorough, reasonable investigation would have resolved this matter by either providing the requested documentation or ceasing to report the disputed account. 

Requested Resolution : Given these ongoing issues, I request the following actions : Cease reporting this account to all credit bureaus immediately. 
Provide verifiable proof of the account, including a signed agreement, if Reliable wishes to continue reporting it. 
Confirm compliance with all FCRA requirements, including accurate reporting and adherence to statutory timeframes. 

Failure to address these concerns and provide a meaningful resolution will leave me no choice but to escalate this matter further. I am prepared to pursue additional remedies, including filing a formal dispute with the credit bureaus, contacting relevant regulatory authorities, and seeking legal counsel if necessary. 

I look forward to your prompt response and resolution to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation