Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute several inaccuracies in my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ]. The information listed below is incorrect and must be investigated, corrected, or deleted immediately as required by law. 

XXXX XXXX XXXX XXXXXXXX 1. Account Status Discrepancy XXXXXXXX XXXX XXXX : Reports account as " Closed XXXX XXXX  : Reports account as " Open '' Dispute Reason : This inconsistency violates FCRA 1681e ( b ), which mandates accurate reporting. If two bureaus are reporting the account as closed, the third should not list it as open. Please correct or delete the erroneous information.

2. Payment Status Discrepancy XXXX XXXX XXXX : Reports " Late 120 Days '' XXXX : Reports " Foreclosure '' Dispute Reason : This is a significant factual inaccuracy. The payment status can not be both " Late 120 Days '' and " Foreclosure '' simultaneously. This misrepresentation negatively impacts my creditworthiness and must be corrected per FCRA 1681i ( a ). 

3. Creditor Type Discrepancy XXXX XXXX XXXX : Reports " Miscellaneous Government '' XXXX : Reports " State '' Dispute Reason : The reporting of different creditor types across the bureaus is misleading. Under FCRA XXXX ( b ), only accurate and consistent data should be reported. Please correct this discrepancy. 

4. Last Payment Date Discrepancy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Reports " XX/XX/year> '' Dispute Reason : The last payment date must be uniform across all three bureaus. The inconsistency violates FCRA 1681s-2 ( a ), which requires furnishers to provide accurate data. 

5. Creditor Remarks Discrepancy XXXX : Reports " Foreclosure redeemed '' XXXX : Reports " Credit grantor reclaimed collateral to settle defaulted mortgage. '' XXXX : Reports " Real Estate Mortgage '' Dispute Reason : The explanation regarding foreclosure should be clear and consistent across all bureaus. These conflicting statements cause confusion and require immediate correction per FCRA 1681i. 

6. Account Type Discrepancy XXXX XXXX XXXX : Reports " FHA real estate mortgage '' XXXX : Reports " Real estate mortgage '' Dispute Reason : The account type should be consistently reported. This inconsistency could mislead potential creditors and should be corrected under FCRA 1681e ( b ). 

Given these discrepancies, I demand : A thorough investigation into these inaccuracies. 

Immediate correction or deletion of all incorrect information.

A corrected copy of my credit report upon completion of your investigation.

Notification of corrections to any party that has accessed my report within the last six months ( per FCRA 1681i ( d ) ).

If the disputed information can not be verified, I expect it to be removed from my credit report under FCRA 1681i ( a ) ( 5 ). Please provide me with a written response within 30 days as required by law. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation