Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Issue 1 : Inaccurate Late Payment Reporting XXXX XXXX XXXX  has inaccurately reported a late payment for XX/XX/year>. My payment was due XX/XX/year>, and I made the payment on XX/XX/year>, which was within the same billing cycle and not 30 days past due. Under the Fair Credit Reporting Act ( FCRA ), an account may only be reported late if it is 30 or more days past due. Reporting this payment as late is inaccurate and misleading. 
As you can see by whats on XXXX XXXX, my XXXX payment was made on time and my payment is due the XXXX of every month so if I paid it on the XXXX, which you will also see in the screenshot and how is it past due 30 days??? 

I contacted XXXX XXXX XXXX and asked for a goodwill adjustment or correction, but they refused and directed me to the credit bureaus. I then disputed the account with XXXX XXXX XXXX XXXX  Each bureau responded that the information was verified, but it remains incorrect. 

I am requesting that this late payment entry be corrected or removed immediately. 

Issue 2 : Outdated Addresses I have also disputed outdated personal information ( old addresses with all three credit bureaus multiple times. The bureaus responded that these addresses were reported by lenders and refused to remove them. However, these addresses no longer pertain to me and are not accurate for my current credit file. 

I currently reside at XXXX XXXX XXXX XXXX, NY XXXX. ( only ) My credit report, however, is showing three additional addresses that I do not reside at. 

The FCRA requires credit reporting agencies to ensure consumer reports are accurate and not misleading. Outdated addresses should be removed, especially when a consumer has provided current information. 

I am requesting that XXXX XXXX XXXX XXXX remove all outdated addresses and names from my credit file. 

Issue 3 : Unknown Account Reporting from LightStream XXXX  My credit report is showing an account from LightStream XXXX. I have never opened an account with LightStream XXXX, SunTrust, or Truist, and I have no knowledge of this tradeline. I attempted to contact the creditor, but the phone number listed is invalid. 

This appears to be either a reporting error or fraudulent information. I disputed this account with the credit bureaus, but it has not been removed. Under the FCRA, furnishers must provide accurate and verifiable information. Since LightStream can not be verified as my account, I request that this tradeline be deleted from my credit reports. 

Requested Resolution Remove or correct the inaccurate late payment from XXXXXXXX XXXX XXXX 
Remove outdated addresses and prior name information from my credit file. 
Remove the inaccurate LightStream XXXX tradeline from my credit reports. 

Please help me I take my credit very seriously and as you can see, I have an almost perfect record minus this false late payment. 
I am praying that you guys can help me resolve this asap. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation