Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I am submitting this complaint to dispute multiple inaccurate and unverifiable accounts appearing on my XXXX  credit report. These items are negatively impacting my credit and have not been properly validated in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite previous disputes, these furnishers continue to report misleading or inconsistent information. 

The following accounts are being reported in error or require reinvestigation : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. Account ending in XXXX, opened XX/XX/XXXX, showing a balance of {$4800.00}. This account is being reported as a collection/debt buyer with an inaccurate status and payment history. No documentation has been provided to prove ownership or authorization of this account. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX, opened XX/XX/XXXX, reporting a collection of {$630.00}. I have never received any validation notice or medical billing that supports this entry. This is an unverified collection. 

XXXX. VyStar Credit Union Account ending in XXXX, opened XX/XX/XXXX, showing as closed and written off for {$1700.00}. This was not charged off, and there is no record of sale or transfer. This reporting is inaccurate. 

XXXX. XXXX XXXX  Account ending in XXXX, opened XX/XX/XXXX, reflecting multiple late payments in XXXX. The payment history is inconsistent with my records, and no validation of these delinquencies has been provided. 

XXXX. XXXX  XXXX XXXX XXXX XXXX Account ending in XXXX, opened XX/XX/XXXX, showing as a collection account though paid in full. The status and reporting date are inaccurate and should be corrected or deleted. 

XXXX. XXXX / XXXX Account ending in XXXX, opened XX/XX/XXXX, listed as charged off with a past-due amount of {$480.00}. This account was resolved years ago and should no longer be reported as an active charge-off. 

XXXX. XXXX XXXX  XXXX XXXX XXXX Account ending in XXXX, opened XX/XX/XXXX, reporting a XXXX late payment in XX/XX/XXXX despite being closed and paid. This late payment is inaccurate and unverifiable. 

XXXX. XXXX XXXX ( XXXX ) Account ending in XXXX, opened XX/XX/XXXX, reported as paid in settlement. The reporting incorrectly shows repeated charge-off codes after the account was closed and settled. 

XXXX. Department of Education XXXX XXXX ( XXXX accounts ) The first account ( ending in XXXX ) reports a balance of {$1800.00} with a past-due amount of {$130.00} as of XX/XX/XXXX. The second account ( from the same lender and with the same number ) reports a balance of {$1000.00}, with a past-due amount of {$61.00} for the same period. Both accounts share the same open date ( XX/XX/XXXX ) and payment history pattern, yet the reported figures and delinquency data differ significantly. Both accounts are reporting inconsistent payment histories and late payments. These inaccuracies are damaging and not properly verified. These accounts appear to be duplicate or misreported entries that inflate my total student loan debt and inaccurately portray my payment history. I have been in regular communication with my loan servicer and have not received any verifiable documentation that supports these late payment claims or duplicate reporting. 

I have attached supporting screenshots of my credit report from XXXX, which show each account and contact information. I request a full reinvestigation and deletion of all unverifiable or inaccurately reported data under Section 611 of the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation