Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
Subject : Formal Complaint Regarding Repeated Inaccurate Reporting and Violations of Fair Credit Reporting Act Dear Sir/Madam, I am writing to express my serious concern regarding the repeated inaccuracies in the information reported on my credit report by Citizens Bank , XXXX XXXX XXXX, and XXXX, XXXX and XXXX . Despite my previous disputes and requests for corrections, these inaccuracies persist, resulting in substantial harm to my financial reputation and standing. Additionally, it has come to my attention that these repeated inaccuracies may constitute violations of the Fair Credit Reporting Act ( FCRA ). 
I have diligently monitored my credit report and have identified the following instances of inaccurate reporting : 1. Citizens Bank failed to leave comment in section of the credit report that I disputed the account. Haven't provided proper record and book keeping, accounting records for me to properly defend the accusations of late payments. 
XXXX. XXXX XXXX and XXXX has not provided me a contract of agreement between myself and their company where I agree to pay them for the account their reporting. They've been reporting this account inaccurate for two years. A credit report from two years ago proves this. 
attachment is below. 

XXXX. XXXX XXXX XXXX Mortgage marked my account in forebearance and shortly after as late. They failed to leave in comments box of consumer report " Consumer Disputed account. '' These inaccuracies not only undermine my ability to access credit and financial services but also violate my rights under the FCRA. As per section 1681s-2 of the FCRA, it is your responsibility as a credit reporting agency and furnishers to ensure the accuracy and integrity of the information contained in consumer reports. Failure to fulfill this obligation may result in significant penalties and legal consequences. 

I demand that your agencies promptly conduct a thorough investigation into these inaccuracies and take immediate corrective action to rectify the errors on my credit report. Furthermore, I request that you provide me with written documentation of the steps taken to correct these inaccuracies and prevent similar occurrences in the future. 

Please be advised that I am prepared to take further legal action if necessary to enforce my rights under the FCRA. I trust that you will address these matters with the utmost urgency and professionalism. 
Thank you for your prompt attention to this serious issue. 
I have three accounts which are destroying my rights as a consumer and breaking laws that you have set in place. 
I recently disputed these accounts last month around XX/XX/24 They came back that the information was verified. They didn't mark in the comments section " Consumer Disputed account ''. 
They will undoubtedly tell you they did but these copies of my credit report from XXXX will prove otherwise. When you look you will see consumer previously disputed this account, however you will not see a date and that is inaccurate credit reporting. 
With each dispute it should also list a date because people dispute the same account more than once. 
No matter what these companies say. 1681 I says whenever preparing a consumer report the consumer agencies should assure maximum possible accuracy. 
I obtained these reports off of XXXX website so there is no reason that these reports should differ from the copies they have, and if they do, then these items should really be deleted because it proves my point, all information must be the same, if not it's inaccurate, even not marking the reported account is " disputed. ''

Company response to consumer: Closed with explanation