Consumer complaint received 2025-07-22 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: Credit Fresh Holdings Inc
State: MI

Complaint narrative:
I am formally disputing the following accounts on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, and the Truth in Lending Act ( TILA ) 15 U.S.C. 1641 ( g ).

I have identified multiple legal violations regarding these accounts, and failure to correct these errors within 30 days will result in formal legal action against your agency for willful noncompliance. 
ACCOUNTS IN DISPUTE : Account- XXXX/CREDFRSH - XXXX XXXX ( b ) Failure to Ensure Maximum Possible Accuracy The account reports a balance of {$0.00} with a status of Collection/Chargeoff and comments indicating it was Transferred to another lender. If the debt was transferred, it should no longer be listed as a charge-off with an active derogatory status unless there is legal verification that a balance remains owed to the reporting creditor. Reporting a XXXX balance but still flagging it as a charge-off can mislead other creditors and violates the FCRAs accuracy standards. 
623 ( a ) ( 5 ) Re-aging Violation The Date Last Active is listed as XX/XX/XXXX, but the tradeline was last updated on XXXX four-year gap. If no legitimate consumer activity occurred during that period, the creditor may have improperly re-aged the debt, thus unlawfully extending its presence on the credit report. 
623 ( a ) ( 3 ) Furnishing Incomplete or Inaccurate Information By reporting a {$0.00} balance, no past due amount, and no activity in over XXXX yearsbut still tagging the account as derogatory and charged offXXXX/CREDFRSH is furnishing information that could be misleading or materially incomplete, especially if the debt has been sold or resolved elsewhere. 
1681c ( a ) Obsolete Information Reporting Given the last payment date of XX/XX/XXXX, this account may soon exceed the 7-year reporting limit for negative items. If re-aging has occurred or if the derogatory status remains past the statutory limit, this could trigger a violation of the FCRAs time-barred reporting rules. 
Account- XXXX XXXX - XXXX XXXX Failure to Reinvestigate Upon Dispute Comments indicate this account was disputed and marked as meets FCRA requirements or dispute resolvedyet no corrections were made to the inconsistent or incomplete data across bureaus. This could constitute a failure to conduct a reasonable reinvestigation under 1681i.

623 ( a ) ( 5 ) Re-aging Prohibition The Date Last Active ranges from XX/XX/XXXX to XX/XX/XXXX, while the account continues to be updated with new " last reported '' dates as recent as XX/XX/XXXX. If no legitimate consumer activity has occurred, this may suggest improper re-aging of the tradeline to keep it on the credit report beyond the lawful time limit.

623 ( a ) ( 3 ) Reporting Incomplete or Misleading Information Despite a charged-off status and $ 0 monthly payments, the balance and past due remain at {$560.00} without clarifying whether this debt has been sold, settled, or otherwise resolved. The vague or contradictory reportingespecially the variation in payment historymay mislead other lenders, violating the FCRAs accuracy standards. 
1681c ( a ) Reporting Obsolete Information The last payment date reported is as old as XX/XX/XXXX, and last activity appears to date back to XXXX or early XXXX. If the account has not been revalidated and remains unpaid, it is approaching or may exceed the 7-year reporting limit set under FCRA 1681c ( a ), particularly if the account is being re-aged artificially. 
Account- XXXX  XXXX XXXX XXXX Failure to Reinvestigate After Consumer Dispute The presence of differing account data across bureaus despite a charged-off status implies no meaningful reinvestigation occurred. If the consumer previously disputed this account and these discrepancies persisted, the CRAs and data furnishers may have failed to perform a reasonable reinvestigation as mandated by 1681i.

623 ( a ) ( 5 ) Re-aging Concerns The Date Last Active and Last Payment Date are close to the current reporting period ( XXXX ), even though the account was charged off, and months of delinquency stretch back to XXXX. If no valid consumer activity occurred in XXXX, this may be an attempt to artificially reage the account, potentially prolonging its derogatory impact. 
623 ( a ) ( 1 ) ( A ) Duty to Report Accurate Information The tradeline is labeled as Business Personally Guaranteed, yet it is being reported under the consumers personal credit profile. This classification creates confusion and, without adequate context or consent, may mislead lenders. Reporting a business account this way may violate the duty to avoid furnishing misleading or inaccurate information.

1681c ( a ) Obsolete Information ( XXXX XXXX ) Given the accounts delinquency began as early as XXXX, the 7-year reporting clock may have already started. If the Date of First Delinquency ( DOFD ) is XXXX, the account should not be updated or re-aged in XXXX to extend its derogatory presence beyond the legal limit. 
LEGAL DEMANDS & GROUNDS FOR DELETION 1. PROOF OF DEBT OWNERSHIP REQUIRED ( 15 U.S.C. 1641 ( g ) ) Under TILA 15 U.S.C. 1641 ( g ), if a debt is sold or transferred, the new owner must provide proper notification and proof of assignment. 
The original creditor has already been paid via securitization and no longer owns this account. 
If no legally admissible proof of ownership is provided, this account must be deleted immediately. 
Required Action : REMOVE the account or provide the full chain of ownership with original signed agreements proving legal standing. 
2. FAILURE TO CONDUCT A REASONABLE INVESTIGATION ( 15 U.S.C. 1681i ( a ) ) Under the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a reasonable investigation upon dispute. 
Simply verifying data with a creditor is NOT a valid investigation. 
If you claim this information is verified, provide the method of verification ( MOV ) as required by 15 U.S.C. 1681i ( a ) ( 2 ) ( B ). 
Required Action : REMOVE the account if no legitimate MOV and full documentation is provided. 
XXXX. FALSE & MISLEADING REPORTING BY THE ORIGINAL CREDITOR ( 15 U.S.C.

1681s-2 ( a ) ) If the original creditor sold or charged off this debt, they are no longer the legal owner, yet they are still reporting it. 
Under FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), inaccurate reporting must be corrected or removed. 
If the creditor was paid via securitization or insurance write-off, they must update the tradeline to Transferred/Sold or remove it completely. 
Required Action : DELETE the account immediately if the original creditor has no current ownership rights. 
4. FAILURE TO REPORT A CHARGED-OFF ACCOUNT CORRECTLY ( GAAP & IRS LAWS ) According to GAAP ( Generally Accepted Accounting Principles ) and IRS reporting laws, a charge-off means the original creditor wrote off the debt as a loss. 
If a charged-off account was sold, the creditor has no right to continue reporting a balance or updating the status. 
Reporting a balance on a charged-off account is falsifying financial information, which is deceptive under 15 U.S.C. 45 ( FTC Act ). 
Required Action : REMOVE the charge-off immediately, or provide accounting records proving the creditor still legally owns the balance. 
XXXX. COLLECTION AGENCY VIOLATIONS UNDER FDCPA ( 15 U.S.C. 1692g & 1692e ) If this account is now with a debt collector, I demand full validation under FDCPA 1692g.

Collection agencies must prove : o A valid assignment from the original creditor.

o A signed contract showing I agreed to this debt transfer. 
o A full payment history proving what is allegedly owed. 
If the collection agency can not provide all of the above, they are in violation of FDCPA, and the debt must be removed. 
Required Action : DELETE the collection account immediately if the collector can not provide all required validation documents.

Company response to consumer: Closed with explanation