Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX To : XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Information on Credit Report Under FCRA XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information appearing on my Equifax credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Specifically, I am disputing a reported late payment associated with the following account : Creditor Name : Spectrum / Charter Communications Account Number : XXXX Reported Amount : {$390.00} Date Reported Late : XX/XX/XXXX This information is inaccurate and/or unverifiable. I have reviewed my payment records and correspondence with Spectrum, and there is no valid evidence that a payment was late as reported. As such, the late payment entry is causing undue harm to my credit reputation and must be removed or corrected immediately. 
Under FCRA 611 ( 15 U.S.C. 1681i ), I am requesting that Equifax : XXXX. Conduct a reasonable reinvestigation of this account and the alleged late payment. 
XXXX. Verify the accuracy and completeness of the information with the furnisher ( XXXX XXXX XXXX XXXX 
XXXX. Delete or correct the entry if it can not be verified within 30 days as required by law. 
XXXX. Provide me with written confirmation of the results of your reinvestigation, along with an updated copy of my credit report reflecting any changes. 
Additionally, under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), XXXX is required to maintain reasonable procedures to ensure maximum possible accuracy of the information it reports. Retaining inaccurate or unverified data after being notified of a dispute constitutes a violation of this section. 
Please find enclosed copies of the following documents to assist in your investigation : Proof of identity ( drivers license and utility bill ) Payment records or bank statements ( if available ) A copy of the credit report highlighting the disputed entry I appreciate your prompt attention to this matter. Please remove or correct this erroneous late payment reporting within the statutory XXXXday investigation period. 
Sincerely, _________________________ XXXX XXXX Phone : XXXX XXXX XXXX XXXX  Email : [ Your Email Address ] XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX To : XXXX XXXX / XXXX XXXX : Credit Reporting Department XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Direct Dispute of Inaccurate Late Payment Reporting Under FCRA 623 ( a ) ( 8 ) To Whom It May Concern, I am contacting you to formally dispute the accuracy of certain information that your company has furnished to the credit reporting agencies ( specifically Equifax ) XXXX This letter serves as a direct dispute under Section 623 ( a ) ( 8 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 8 ) ) and 12 C.F.R.

1022.43. 
The disputed account information is as follows : Creditor : Spectrum / Charter Communications Account Number : XXXX Reported Amount : {$390.00} Reported Date of Late Payment : XX/XX/XXXX Credit Bureau Reporting : XXXX  The reported late payment is inaccurate, incomplete, or can not be verified. I maintain that my payment was not late or that any reported delinquency is in error. Therefore, I am requesting that your company conduct a reasonable investigation into this matter, correct or delete the inaccurate information, and notify all credit reporting agencies to which the incorrect data was provided. 
Pursuant to FCRA 623 ( a ) ( 8 ) and 12 C.F.R. 1022.43 ( e ), you are required to : XXXX. Investigate my dispute within a reasonable period ( typically XXXX  days ). 
XXXX Review all relevant information provided with this notice. 
XXXX. Report the results of your investigation directly to me in writing. 
XXXX. Correct and update any inaccurate or unverifiable information with all consumer reporting agencies that received the data. 
Enclosed are copies of supporting documents for your review : Proof of identity ( drivers license and recent utility bill ) Payment confirmation or bank statement showing payment history A copy of my Equifax credit report highlighting the disputed entry Please complete your reinvestigation and provide me with written confirmation of your findings

Company response to consumer: Closed with non-monetary relief