Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
This complaint concerns furnishers, not the credit reporting agencies. 
The following furnishers are actively publishing false, fraudulent, and erroneous information about me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank ( XXXX ) Seventh Avenue / Colony Brands XXXX Bank XXXX  XXXX XXXX I am the victim of identity theft, documented by an FTC Identity Theft Report. 
ALL of these furnishers received : Written disputes Fraud affidavits Identity theft documentation Requests for verification Certified-mail notices Yet they continue to furnish false and unverified information to the CRAs.

1. Furnishers failed to verify ANY account Not one furnisher has provided : A signed application A signed contract Any original documentation Any proof I opened these accounts Any proof connecting me to the alleged debts Despite being legally required to investigate, furnishers are rubber-stamping verified responses with NO documentation.

2. Furnishers are double-reporting and updating fraudulent accounts Even after receiving identity-theft notices, furnishers are : Updating balances Updating dates of last payment Updating delinquency statuses Continuing to furnish monthly reporting cycles Reinforcing fraudulent tradelines This constitutes knowing and reckless furnishing of erroneous data.

3. Furnishers are relying on compromised data from the CRA breach The recent CRA data breach has exposed consumers sensitive information. 
Because my personal data is already compromised from identity theft, the breach created : NEW fraudulent activity NEW reporting NEW account updates NEW inquiries Yet the furnishers continue to verify information using corrupted, compromised, or inaccurate data sources. 

This is willful misconduct, not a mistake.

4. Furnishers ignored my fraud evidence and certified notices Each furnisher received : Identity-theft documentation FTC report Disputed-item list Proof of address Drivers license copy Multiple certified-mail notices Despite this, they : Ignored evidence Marked fraudulent accounts as verified Failed to respond in good faith Continued reporting without investigation Continued to furnish incorrect and harmful information 5. Furnishers caused NEW injuries ( NOT a duplicate complaint ) Because of their misconduct : New fraudulent tradelines appeared Old fraudulent accounts were updated Reinsertions occurred False delinquencies increased My credit score dropped I suffered new denials of credit I suffered new reputational harm My private information was re-exposed These events occurred AFTER my prior CFPB complaint against the CRAs.

This is NEW harm and NEW violations, not a repeat.

6. I have filed a Verified Complaint in New York XXXX  XXXX XXXX XXXX XXXX XXXX I am attaching the court-filed Amended Verified Complaint, which : Identifies each furnisher Documents their misconduct Shows ongoing injury Reflects repeated, willful noncompliance Demonstrates continued harm after the CRA breach The court filing proves this is an active, ongoing, escalating problem.

Company response to consumer: Closed with explanation