Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: FL

Complaint narrative:
Re : Formal FACTUAL DISPUTE & Legal Demand GLOBAL LENDING SERVICES ( Acct # XXXX ) To Whom It May Concern : I am submitting this formal factual dispute regarding the reported account with GLOBAL LENDING SERVICES ( Account # XXXX ) on my credit report. After careful review, the data provided is clearly inaccurate, unverifiable, misleading, and possibly a result of erroneous data processing or negligent practices. Please be advised that under the Fair Credit Reporting Act ( FCRA ) and associated federal regulations, I demand immediate deletion of this tradeline. This letter also serves as a notice of intent to pursue legal remedies if the violations are not corrected within 5 business days.

1. Accuracy Violations FCRA 1681e ( b ) The FCRA mandates that credit reporting agencies maintain maximum possible accuracy for all items. This account lists 60-day late payments from XX/XX/XXXX through XX/XX/XXXX, a repossession status updated in XX/XX/XXXX, yet shows {$7800.00} past due as of XX/XX/XXXX with no recent payments. 
Such discrepancies violate 1681e ( b ), as they suggest continued delinquency despite apparent account closure and default nearly three years ago. The data is therefore patently misleading regarding my current credit situation.

2. Reinvestigation Duty FCRA 1681i Under 1681i, once a dispute is submitted, XXXX  must investigate within 30 days and delete or correct information that can not be verified. Failure to reconcile the inconsistencies in payment history, repossession timing, and outstanding balance constitutes noncompliance. 

3. Billing and Data Errors Reg Z 12 C.F.R. 1026.13 & 1666b As this involves alleged late payments, Regulation Z ( Reg Z ) under 12 C.F.R. 1026.13 and 15 U.S.C. 1666b require proper billing-error resolution and account-error investigation. No documentation or evidence has been provided to support these late entries. This failure mandates deletion of unverified late-payment history. 

XXXX. XXXX XXXX & Re-Aging Concerns Current XXXX XXXX reporting standards forbid re-aging derogatory data without new account activity. This accounts status update in XX/XX/XXXX conflicts with the post-update XX/XX/XXXX past-due balance, implying improper re-aging. This is a blatant violation of data integrity requirements, rendering the information unreliable and non-compliant. 

XXXX. Legal Precedents Supporting Deletion XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRAs have a duty to conduct meaningful investigations, not merely confirm data with furnishers. 

XXXX v. XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Even technically correct data can be misleading and unusable if improperly reported. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) Courts have held that credit bureaus must correct or delete questionable records, or face liability. 

XXXX. DEMAND FOR ACTION Immediate deletion of the GLOBAL LENDING SERVICES tradeline in fullbalance, status, payment history, and pending repossessionfrom Experian credit files.

Written confirmation of deletion and updates within 5 business days. 

A full documentation of any investigation conducted, as required by FCRA 611. 

LEGAL CONSEQUENCES OF NONCOMPLIANCE If the account is not removed and discrepancies remain unresolved, I intend to take the following actions : File complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 

Report violation findings to my State Attorney Generals office.

Assert my rights under 15 U.S.C. 1681n & 1681o for damages, costs, and attorneys fees, particularly as a result of willful or negligent noncompliance.

CONFIRMATION REQUEST Please provide written confirmation that this account has been permanently deleted and will no longer be reported across all credit bureaus. Include details of the verification process and XXXX XXXX compliance corrections made.

Company response to consumer: Closed with explanation