Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Climb Credit Inc.
State: OH

Complaint narrative:
I am filing a complaint regarding inaccurate and misleading credit reporting associated with a student loan owned by XXXX XXXX and serviced by University XXXX XXXX ( XXXX ). 

There are multiple issues with how this account has been furnished to TransUnion, including incorrect delinquency dates, improper delinquency aging ( XXXX lates ), and a reporting timeline that does not match the notices and statements provided to me. These issues have impacted my mortgage approval process and appear to reflect systemic problems that the CFPB has already identified in its recent lawsuit against XXXX XXXX XXXX XXXX 

XXXX. The delinquency reporting does not match Climb/UASs own notices The account shows a sequence of XXXX, XXXX, XXXX, and XXXX lates, but XXXX only sent XXXX Intent to Accelerate notice dated XX/XX/XXXX, and XXXX older notice from XXXX. No XXXX or XXXX delinquency notices were ever sent for the periods they reported. 

The reported XXXX late in XX/XX/XXXX is mathematically impossible based on the actual due dates and the XX/XX/XXXX intent notice. This indicates an incorrect or unsupported Date of First Delinquency ( DOFD ). 

XXXX. The payment history does not support the reported delinquencies My payment history shows : A large lump-sum payment that, under standard servicing guidelines, should have advanced my due date but was not applied correctly. 
Consistent payments that were misapplied or not advanced forward. 
No delinquency notices aligned with the dates XXXX reported to the credit bureaus. 

Climb/UAS has already acknowledged on the phone that the lump-sum payment should have been applied moving forward, yet the reporting does not reflect that. 

XXXX. XXXX appears incomplete and inconsistent This loan is only reporting to TransUnion, not Experian or Equifax. 
This is atypical for a serviced installment loan and suggests inconsistent or defective Metro-2 furnishing.

4. The reporting violates FCRA accuracy requirements Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must report information that is accurate and not misleading.

Using an incorrect DOFD and reporting delinquency sequences that do not match the notices or payment history creates misleading derogatory information.

Under 623 ( a ) ( 2 ), furnishers must maintain reasonable procedures to ensure accurate reporting. 
The mismatched timeline demonstrates that reasonable procedures were not followed. 

XXXX. The CFPB has already sued XXXX XXXX XXXX for XXXX and unlawful practices The XXXX XX/XX/XXXX enforcement action against Climb XXXX XXXX XXXX XXXX XXXX XXXX misleading communication, improper disclosures, and consumer harm. 

My experience appears to reflect similar servicing and communication issues, including : lack of proper disclosure of delinquency failure to provide required notices inconsistent or inaccurate reporting servicing errors that caused derogatory credit marks Given that Climb is already under active CFPB litigation, I am requesting a heightened review of the accuracy of the reporting on this account.

Company response to consumer: Closed with explanation