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: NV

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Email : XXXX Date : XX/XX/XXXX To Whom It May Concern, I am submitting this formal dispute under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ) regarding multiple negative accounts reporting inaccurate balances, statuses, and addresses on my credit reports across all three major credit reporting agencies : XXXX, XXXX, and XXXXXXXX.

Negative Accounts ( Charge-offs, Collections, Delinquencies ) : 1. VEROS CREDIT Auto Loan ( Closed ) Status : Charged off, {$12000.00} past due Last Updated : XX/XX/XXXX Comments : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Secured Card ( Closed ) Status : Charged off, {$600.00} past due Last Updated : XX/XX/XXXX XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Collection Account Original Creditor : XXXX XXXX XXXX Balance : {$5100.00} Date Opened : XXXX XXXX, XXXX Status : Collection account, past due as of XX/XX/XXXX XXXX. XXXX XXXX XXXX Collection Account Original Creditor : XXXX XXXX XXXX. 
Balance : {$540.00} Date Opened : XX/XX/XXXX XXXX : XXXX, past due XXXX. XXXX XXXX XXXX ( XXXX XXXX ) Collection Account Balance : {$180.00} Date Opened : XX/XX/XXXX Status : Placed for collection XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : {$11000.00} Status : Past due / collection Accounts with Late Payments/ Derogatory Indicators : XXXX accounts show XXXX day lates or derogatory status XXXX recent missed payment ( within 1 month of XX/XX/XXXX ) Hard Inquiries ( XXXX  + XXXX  ) : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX / XXXX XXXX XX/XX/XXXX XXXX / XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX / XXXX XXXX XXXX XX/XX/XXXX Under 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe is inaccurate or unverifiable. I have attempted to contact all of these companies to validate the debts, but my requests have either gone unanswered or were insufficiently addressed. Despite my efforts, the reported balances, addresses, and statuses remain on my credit reports.

I am requesting that these companies remove the reported balances, addresses, and any unverifiable information associated with these accounts until full validation can be provided. Documentation of all attempts I made to resolve these matters directly with the companies is available upon request.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

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