Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Universal Payment Corporation
State: GA

Complaint narrative:
I am submitting this complaint against the three major credit bureausXXXX XXXX and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards.

Despite submitting multiple disputes concerning FCRA Violations ( reporting multiple charge offs ) that the creditor and furnisher have violated, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). 
Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX XXXX XXXX XXXX to : Immediately delete all negative items previously disputed request full resolution within 15 business days. If this matter is not resolved in compliance with 15 U.S.C. 1681i, I will pursue private legal action under FCRA 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), including all applicable damages and legal fees. ACCOUNTS REQUESTING IMMEDIATE REMOVAL BECAUSE OF VIOLATION : XXXX  XXXX & XXXX XXXX Violations and Legal Basis : The following violations form the basis of this complaint : * 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy * 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation * 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information * Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards * Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( 3rd Cir. 1997 ) Because of these inaccuracies, I have suffered the following adverse effects : # Denied financing for [ mortgage/car/personal loan ] # Higher interest rates on approved credit # Reputational damage due to reported delinquencies # Emotional distress caused by repeated, unlawful verification responses These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law.

The FCRA was enacted to protect consumers like myself from exactly this type of systemic abuse. The current credit reporting ecosystem fails to meet basic legal standards, and this complaint serves as both a call to action and formal demand for enforcement. I respectfully request the CFPB to hold these entities accountable. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response