Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Veros Credit, LLC
State: CA

Complaint narrative:
Company : Veros Credit , LLC Account opened : XX/XX/XXXX Term : XXXX  months Last payment : XXXX ( as shown on bureaus ) Reported balance/past due : {$1100.00} ( varies by bureau ) Whats wrong : Veros is furnishing inconsistent and misleading information across the CRAs and then blaming credit bureau formatting instead of correcting its own data. 
XXXX  ( today ) : Status shows Account charged off. {$4500.00} written off. {$1100.00} past due as of XX/XX/XXXX, Account previously in dispute investigation complete, reported by data furnisher. Responsibility shows XXXX. 
XXXX  ( today via XXXX XXXX ) : Current Payment Status = Charge-off, Worst Payment Status = XXXX  Days Late, Account status = Derogatory, Responsibility Maker. ( The worst status can not be milder than the current status ; charge-off vs XXXX late is contradictory. ) XXXX  ( today via XXXX XXXX ) : XXXX different views : XXXX panel shows Account status = Closed, Current Payment Status = Charge-off ; the other dashboard card shows Needs Attention with open-style progress bar. Remarks alternate between Account previously in disputeNow resolved by data furnisher and Profit and loss write-off/ Dispute resolved reported by grantor. These fields conflict with each other and with the other CRAs. 

New evidence attached : XXXX. XX/XX/XXXX Veros settlement letter offering to accept {$570.00} lump sum or XXXX x {$57.00} and stating it would be reported as Settled. 
XXXX. XX/XX/XXXX Veros generic response letter saying differences are due to CRA formatting and claiming it already verified on XX/XX/XXXX and will not respond to future requests. 
XXXX. Todays screenshots of XXXX showing the exact conflicts listed above. 
XXXX. CFPB Pattern screenshot showing multiple prior CFPB complaints closed while the reporting remains inaccurate. This complaint is not a duplicateit contains new evidence ( the XX/XX/XXXX settlement letter, the XX/XX/XXXX letter, and current screenshots ). 

Why this violates the FCRA : 623 ( a ) ( 1 ) ( A ) furnishers must provide accurate info ; conflicting status, worst payment, responsibility, and remarks across CRAs is inaccurate/misleading.

623 ( a ) ( 2 ) duty to correct/update ; Veros refuses , blaming formatting.

623 ( b ) after a dispute, furnishers must conduct a reasonable investigation and report results to all CRAs ; the outcome should be uniform. Its not. 
The settlement offer ( while still reporting charge-off/past-due ) shows Veros controls the furnishing and can change fields ( e.g., to Settled ) but is refusing to correct basic inconsistencies. 

end : I have attached a screenshot of my CFPB complaint history showing multiple closed complaints by the same furnishers ( Veros Credit, XXXX XXXX XXXX, XXXX XXXX, etc. ) despite ongoing inaccurate reporting. Each was closed prematurely without proper investigation or correction, demonstrating a repeated pattern of noncompliance with the FCRA. This new complaint includes new evidence and current reporting inconsistencies that have not been previously addressed. 

Harm : These contradictions depress my scores and block housing approvals. Ive spent extensive time disputing ; the pattern of premature CFPB closures left the trade line inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation