Consumer complaint received 2024-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Walwick, Inc
State: WA

Complaint narrative:
Subject : Dispute of Inaccurate Credit Report Information dear cfpb I am writing to formally dispute the inaccurate information on my credit report. Specifically, I am referring to a charge-off reported by MCA, which is over XXXX XXXX XXXX. This charge-off is significantly impacting my credit score and hindering my ability to secure housing. 

According to the Fair Credit Reporting Act ( FCRA ), negative information such as charge-offs should not be reported on a consumers credit report after 7 years from the date of first delinquency ( FCRA 605 ( a ) and ( b ) ) 1. The inclusion of this outdated charge-off is a violation of my rights under the FCRA. 

Furthermore, as a resident of XXXX XXXX, Washington, I am protected under the Washington Law Against Discrimination ( WLAD ) and the Fair Housing Act ( FHA ). These laws prohibit discrimination in housing based on disability and ensure that individuals with disabilities have equal access to housing opportunities23. The erroneous entry of this outdated charge-off on my credit report is hindering my fair chances of securing housing, which is a violation of these protections. 

This erroneous entry has detrimentally affected my credit score, dragging it below XXXX, and is severely limiting my opportunities to secure housing. As I am on a fixed income, receiving only XXXX, my ability to pay for housing is already constrained. The presence of this outdated charge-off further exacerbates my situation, making it nearly impossible to find fair housing. 

I kindly request that cfpb investigate this matter and remove the inaccurate charge-off from my credit report immediately. I do not remember owning any money to sound credit union and i was never contacted until recently by XXXX XXXX XXXX for owing any money until XXXX collection agency contacted me.below i have copy and pasted part of my credit report highlighting the disputed item, as well as a cease and desist request letter for XXXX as i felt their collection tactics were unethical and innapropriate. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue. 

Sincerely, XXXX XXXX XXXX  Your information may have changed since XX/XX/XXXX Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Deposit Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$250.00} written off. {$250.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$250.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$250.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX CO XXXX CO XXXX XXXX XXXX XXXX XXXX CO Charge off Payment history guide Charge Off as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX. 

Balance history XX/XX/XXXX Additional info The original amount of this account was {$250.00} Contact info Phone number ( XXXX ) XXXX Address po box XXXX XXXX, WA XXXX Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX.

Company response to consumer: Untimely response