Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: GFS II, LLC
State: OH

Complaint narrative:
Dear CFPB Team, I am writing to formally request your help in addressing significant inaccuracies and discrepancies across my credit reports from XXXX, XXXX, and XXXX. These issues have caused financial difficulties and stress, making it challenging to secure credit and meet my financial goals. Below, Ive summarized the problems and actions Im requesting : XXXX. Disputed Accounts XXXX XXXX XXXX Problem : Inconsistent reporting across bureausmissing from XXXX, and removal dates vary between XXXX ( XX/XX/XXXX ) and XXXX ( not specified ). 
Violations : FCRA Sections 609, 611, 605 ( a ). 

Account : GFS II LLC / Gateway Financial Solutions Problem : Discrepancies in how the creditor 's name is reported across the three bureaus : XXXX : GFS II LLC. 
XXXX : GFS XXXX  LLC. 
XXXX : GFSII LLC XXXX  Gateway Financial Solutions. 
Balance and past-due amounts can not be accurate on a Charged-off account, remarks and terms inaccurate. 
Status is listed as " charge-off '' across all three reports as of XX/XX/XXXX. 
Laws Violated : FCRA Section 609 : Accuracy of reported information.

FCRA Section 611 : Duty to investigate and correct inconsistent or inaccurate details. 


XXXX XXXX XXXX  ( XXXX XXXX  ) Problem : Reported only by XXXX and XXXX. Missing entirely from XXXX. Balances differ across reports. 
Violations : FCRA Sections 609, 611, 623. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Problem : Reported only by XXXX, missing from XXXX and XXXX. 
Violations : FCRA Sections XXXX, XXXX. 

Department of Education ( Dept of EdXXXX XXXX Problem : Balances differ significantly : XXXX ( {$5200.00} ), XXXX ( {$3200.00} ), XXXX ( {$2400.00} ). 
Inconsistent opening dates : XXXX ( XX/XX/XXXX ), XXXX XXXX XX/XX/XXXX ). 
XXXX shows past-due entries for XXXX ; XXXX and XXXX do not. 
Violations : FCRA Sections XXXX, XXXX, and XXXX. 


XXXX XXXXXXXX XXXX  Problem : Discrepancies in creditor names and missing entries. 
XXXX : XXXX XXXX XXXX. 
XXXX : XXXX XXXX. 
XXXX : No record. 
Violations : FCRA Sections 609, 611, 605 ( a ). 

Account : XXXX XXXX XXXX  ( via XXXX XXXX ) problem : Reported on all three credit reports with discrepancies in estimated removal dates : XXXX : Estimated removal XX/XX/XXXX. 
XXXX : Estimated removal XX/XX/XXXX. 
XXXX : Removal date not specified. 
Remarks vary across reports, with incomplete details in all cases. 
Potential HIPAA Violation : Reporting may disclose protected health information ( PHI ) without proper authorization, violating the Health Insurance Portability and Accountability Act ( HIPAA ).

violations : FCRA Section 609 : Accuracy and completeness of reported information.

FCRA Section 611 : Duty to investigate disputed items.

HIPAA : Unauthorized disclosure of PHI through public credit reporting.

No Surprises Act : Ensures medical debts are accurately reported and billed. 

XXXX. Hard and Soft Inquiries Hard Inquiries Examples : XXXX XXXX ( XX/XX/XXXX ) : Outdated and listed in all three reports. 
XXXX XXXX XXXX ( XX/XX/XXXX ) : Duplicate reporting. 
Violations : FCRA Sections 604, 605 ( a ). 

Soft Inquiries Examples : XXXX XXXX : Excessive promotional inquiries ( XX/XX/XXXX, multiple entries in XXXX and XXXX ). 
Violations : FCRA Sections 604, 609.

Company response to consumer: Closed with explanation