Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: GA

Complaint narrative:
XX/XX/year> XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX, WI XXXX To Whom It May Concern, Thank you for your recent response dated XX/XX/year> regarding the above-referenced account. While I appreciate your time, I must once again express concern that your reply does not resolve the core issues raised in my original dispute, nor does it satisfy your obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 as a data furnisher.

Your response appears to defend the account reporting on a technical basis, but it continues to ignore the conflicting, incomplete, and potentially misleading nature of the tradeline that Ginnys has furnished to the credit reporting agencies. 

Inconsistent Account Status vs. Payment History The account is listed as " Open '' with a {$0.00} balance and marked " Paid as agreed '', yet there is a past pattern of serious delinquencies ( up to 150 days ). If the account was paid as agreed, then delinquencies of that magnitude would not exist. If those delinquencies occurred ( which I do not concede without documentation ), the " paid as agreed '' notation misrepresents my payment history to lenders. The status and history can not simultaneously be true without misleading creditors. 

No Supporting Documentation Provided You have not provided a final account statement, payment ledger, or any documents substantiating the current balance, closure status, or payment timeline. FCRA 1681s-2 ( b ) requires furnishers to investigate and provide evidence upon receiving notice of a dispute. A generic written summary defending your process does not fulfill the requirement to validate the actual data reported. 

Contradictory Bureau Reporting XXXX  and XXXX  show the account as open with a {$0.00} balance, yet the credit limit is inaccurately shown as {$0.00} on Equifax. 

TransUnion shows no payment history and also maintains the account as open with a {$0.00} balance, which raises the question of whether the data furnished was complete. 

All three agencies list varied comments indicating a dispute resolution status, yet the record continues to be reported in a way that may mislead underwriters and creditors.

Under FCRA Under the Fair Credit Reporting Act, you as a furnisher are legally required to : Report with maximum possible accuracy ( 1681e ( b ) ) ; Conduct a reasonable reinvestigation when notified of a dispute ( 1681s-2 ( b ) ) ; Provide verification and documentation to support the information youve furnished ; Correct or delete any information that can not be verified with supporting records ( 1681i ( a ) ( 5 ) ).

Pointing to the credit bureaus or shifting responsibility for how the information is displayed is not a valid defense. As a furnisher, you control the data you transmit. If it contains contradictions, it is your responsibility to correct them or ensure it is not misleading by omission. 

Once again, I am requesting that Ginnys : Provide full documentation of this account, including the original agreement, final statement, payment ledger, and closure or inactivity status ; Submit corrections to XXXX, XXXX, and XXXX  to reflect a closed and settled status, if paid in full, or otherwise provide proof of continuing balance or liability ; Delete this tradeline if you can not verify it with original, verifiable documentation and reconcile the internal contradictions noted above. 

If no action or valid documentation is received within 15 business days of this letter, I will proceed with : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) ; Contacting the Wisconsin Department of Financial Institutions ; Consulting legal counsel regarding a claim under FCRA 1681n and 1681o for willful or negligent noncompliance.

This is my final written request for appropriate reinvestigation, documentation, and correction. I expect full legal compliance, not generalized or dismissive summaries.

Company response to consumer: Closed with explanation