Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Midwest Fidelity Services, LLC
State: NC

Complaint narrative:
Re : Complaint Regarding Inaccurate Reporting by XXXX and Request for Investigation Dear XXXX, I am writing to formally file a complaint against XXXX regarding the inaccurate reporting of my personal financial information. The inaccurate information being reported has had a direct impact on my credit score and my ability to access credit under reasonable terms. 

Account Details : Your Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NC XXXX Date of Birth : XX/XX/XXXX Social Security Number ( Last Four Digits ) : XXXX XXXX Report Reference Number ( if applicable ) : [ Reference Number ] Date of Issue : XX/XX/XXXX Description of the Inaccuracy : I have reviewed my credit report from XXXX and identified several errors in the reported information. Specifically, the following inaccurate details were included in the report : [ List inaccurate information or accounts ] 1. 
Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX 2. 
Collection Agency XXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor Name XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$14000.00} Amount {$16000.00} Status Date XX/XX/XXXX Status UNPAID ACCOUNT PREVIOUSLY IN DISPUTE NOW RESOLVED BY DATA FURNISHER 3. 
Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification PERSONAL_SERVICES Last Payment Date Date of First Delinquency XX/XX/XXXX Contact XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX KS XXXX ( XXXX ) XXXX XXXX. 
Inquiries not authorized XX/XX/XXXX AN XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX have attached a screenshot of the XXXX report showing the inaccurate information . This information is incorrect and has adversely affected my credit score, which has made it more difficult for me to obtain necessary financial services. 

I have contacted XXXX directly to dispute these errors, but the issues remain unresolved. As a result, I am requesting the Consumer Financial Protection Bureau 's assistance in investigating and resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 

Fine Imposed on XXXX : Additionally, I would like to bring to your attention the recent fine imposed on XXXX by the CFPB in connection with its failure to provide accurate credit reporting. According to recent reports, XXXX has been fined for non-compliance with credit reporting regulations. These fine underscores the severity of the issues surrounding inaccurate credit reporting, and I believe that my case is a direct example of this ongoing problem. 

I respectfully request that the CFPB investigate this matter and ensure that XXXX complies with all applicable consumer protection laws, including correcting the inaccuracies on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation