Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Regional Management Corporation
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX TransUnion XXXX XXXX XXXX, XXXX, XXXX XXXX Subject : Formal Dispute of Inaccurate, Incomplete, and Unverifiable Items on Credit File FCRA 609, 611, 623 To Whom It May Concern : I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute the following entries on my credit report. These accounts are reporting inaccurate, incomplete, or legally unverifiable information, and I hereby demand their immediate and permanent deletion unless full validation is provided within 30 days pursuant to FCRA 611 ( a ) ( 1 ) ( A ).

1. 
XXXX XXXX XXXX Account # XXXX - Violation of FCRA 609 ( a ) ( 1 ) : No original creditor is listed ; therefore, this account is unverifiable.

- Violation of FCRA 607 ( b ) : Reporting a {$20.00} past-due balance on a low-usage open account ( 5 % ) is potentially misleading.

- Violation of FCRA 611 : Incomplete and unverifiable accounts must be corrected or removed. 
2. 
XXXX XXXX Account # XXXX - Violation of FCRA 607 ( b ) : Reporting 30/60-day lates on a $ XXXX monthly payment plan for a {$20.00} delinquency is materially disproportionate and misleading. 
- Violation of FCRA 609 ( a ) ( 1 ) : No original creditor is identified. Key fields such as contract terms and verification of due dates are missing.

- Violation of FCRA 611 : This account is legally incomplete and unverifiable.

3. 
XXXX XXXX Bank XXXX Account # XXXX - Violation of FCRA 607 ( b ) : The account is reporting four late payments, culminating in 120 days late, despite now being closed. The final balance exceeds the credit limit, which may reflect predatory or improperly applied fees. 
- Violation of FCRA 609 ( a ) ( 1 ) : There is no original creditor information, and payment history lacks clear substantiation.

- Violation of FCRA 623 ( a ) ( 2 ) : XXXX XXXX Bank may be reporting outdated, inaccurate, or unverifiable data without updating the status properly. 
- Violation of FCRA 611 ( a ) ( 5 ) : After 30 days, unverifiable negative information must be deleted.

4. 
XXXX XXXX XXXX XXXX Account # XXXX - Violation of FCRA 611 and 607 ( b ) : Account shows 'Charge-Off ' with {$6900.00} past due, while inaccurately marked with no late payment history ( XX/XX/XXXX days ). This inconsistency makes the reporting materially misleading. 
- Violation of FCRA 611 ( a ) : Consumer dispute notation does not absolve the obligation to verify the accuracy of the derogatory data. 
- Action Demanded : Delete if full contractual and billing records proving the charge-off can not be provided. 
5. 
XXXX Account # XXXX - Violation of FCRA 611 and 609 ( a ) ( 1 ) : Closed charge-off account with {$72.00} past due has no supporting documentation, payment breakdown, or creditor identification. 
- Requesting immediate deletion if unverified. 
6. 
XXXX  XXXX Account # Not Provided - Incomplete account record, no details available. In violation of 609 ( a ) ( 1 ) due to lack of verifiable information. 
- Delete if data can not be validated. 
7. 
Regional Finance Account # XXXX - Violation of 607 ( b ) and 611 ( a ) : Reports past-due balance of {$270.00} and late payments on an open account without a credit limit, making the account both misleading and unverifiable. 
- Delete unless full payment history and terms are provided. 
8. 
Unknown Creditor Account # XXXX - Account reports closed charge-off with {$470.00} balance on a {$300.00} limit, a red flag for excessive or unjustified fees. 
- No original contract, payment agreement, or balance justification is provided a violation of 609 and 611. 
- Demand immediate deletion. 

LEGAL NOTICE Under FCRA 611 ( a ) ( 1 ) and 623 ( b ), you must investigate and delete or correct any item that is inaccurate, incomplete, or can not be verified. The FCRA mandates that all credit reporting must be held to the standard of maximum possible accuracy ( 607 ( b ) ), and any failure to comply may be deemed willful noncompliance, actionable under FCRA 616 and 617. 

I am requesting : - A detailed explanation of the results of your reinvestigation ; - Documentation used in verifying each account ; - A free updated credit report reflecting any deletions or corrections. 

Please respond within the 30-day window as required by law. Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation