Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
CFPB Complaint Summary I am filing this complaint against XXXX For XXXX XXXX XXXX ( XXXX ) and their attorney, XXXX XXXX, for willfully furnishing false, inflated, and harmful financial data to credit reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ). 
HFR is currently reporting XXXX separate tradelines/account numbers related to a former rental property. The first account inaccurately reflects amounts beyond those awarded in the XXXX XXXX ( XXXX ) judgment. The second account reflects a separate balance with no legal basis or adjudication and should be removed entirely. 
The final judgment in the XXXX case was for {$6800.00} in unpaid rent through a specific period. Despite this, XXXX and XXXX XXXX have reported inflated balances that include unauthorized post-judgment charges, speculative repair fees, and interest. Furthermore, although XXXX claimed to deduct my {$1000.00} security deposit, it was subtracted from an inflated totalnot the court-authorized amountleading to a misleading and overstated balance on my credit reports. 
I do not deny owing the {$6800.00} judgment, but I dispute the additional unauthorized amounts and interest being reported without transparency. XXXX failed to provide a detailed breakdown of these figures when requested, and refused to halt credit reporting during ongoing legal disputes. 
I had prepared a verified amended complaint and a motion for sanctions and corrections that addressed XXXX 's inaccurate financial reporting and credit damage. These filings included documentation of the true judgment amount, a letter from XXXX itemizing inflated charges, and evidence that my {$1000.00} security deposit ( plus interest ) had not been properly credited. However, I was barred from filing them due to a stay issued following the defendants motion to declare me a vexatious litigant a motion that was ruled on before I had a chance to present evidence. As a result, I was effectively shut out of the court process and prevented from correcting the financial record through judicial channels. This has left me with no other recourse but to seek assistance from the CFPB. 
XXXX reason I filed the present case was due to the fact that my disputes with the credit bureaus were ineffective, and I could not obtain assistance or correction of the inaccurate financial reporting. In addition, this issue follows a history of retaliatory behavior by HFR, including their removal of my positive rental payment history from credit reporting records in XX/XX/year>, after I began raising concerns and submitting disputes. Their continued misreporting has caused lasting damage to my credit, interfered with housing applications, and created significant emotional and financial hardship. 
I respectfully request the CFPB to : - Investigate both account numbers furnished by HFR ; - Remove the second account as baseless ; - Require the deduction of my {$1000.00} security deposit plus interest from the {$6800.00} court-approved judgment amount ; - Require a clear accounting of all amounts reported ; - Enforce FCRA obligations requiring a reasonable dispute investigation ; - Investigate XXXX XXXX XXXX XXXX facilitating or enabling the continued misreporting. 
I am prepared to submit supporting documentation, including the court judgment, HFRs itemized charge letter, correspondence, and credit reports.

Company response to consumer: Untimely response