Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cornerstone Holdings, Inc.
State: AK

Complaint narrative:
AFFIDAVIT OF XXXX XXXX AFFIDAVIT OF XXXX XXXX I, XXXX XXXX, born XX/XX/XXXX, XXXX ending XXXX, residing at XXXX XXXX XXXX, XXXX, Alaska XXXX, declare under penalty of perjury : I. PURPOSE OF AFFIDAVIT This affidavit is submitted pursuant to the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681 et seq., to dispute inaccurate, incomplete, and unverifiable information being reported by XXXX XXXX XXXX XXXX 
II. FCRA VIOLATIONS APPLICABLE TO ALL BUREAUS 1. VIOLATION OF FCRA 602 Congressional findings requiring accuracy and fairness.

2. VIOLATION OF FCRA 607 ( b ) Failure to assure maximum possible accuracy.

3. VIOLATION OF FCRA 611 ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation.

4. VIOLATION OF FCRA 611 ( a ) ( 7 ) Failure to provide Method of Verification upon request.

5. VIOLATION OF FCRA 623 ( a ) ( 1 ) Furnishers reporting information they knew or should have known was inaccurate.

6. VIOLATION OF FCRA 623 ( a ) ( 2 ) Failure to correct previously reported inaccurate information.

7. VIOLATION OF FCRA 623 ( b ) Failure of furnishers to properly investigate disputes.

III. DISPUTED ACCOUNTS AND SPECIFIC VIOLATIONXXXX XXXX XXXX XXXX ( Late Payment Reported 2019 ) Violations : 1. 607 ( b ) : Incomplete payment history, missing months, inconsistent data.

2. 611 ( a ) : Late payment older than 24 months unverifiable by industry standards.

3. 623 ( a ) ( 1 ) : Reporting inaccurate delinquency information without documentation.

4. 611 ( a ) ( 5 ) : Failure to remove unverifiable information.

Requested Action : Remove the late payment and update the account to Paid / Never Late. 
XXXX XXXX XXXX  ( 10 Late Payments XXXX ) Violations : 1. 607 ( b ) : Numerous inconsistencies in monthly reporting ; missing data fields ( marks ). 
2. 623 ( a ) ( 1 ) : False representation of delinquency after account modification.

3. 623 ( a ) ( 2 ) : Furnisher failed to update accuracy after modification agreement.

4. 611 ( a ) : Bureaus relied on automated verification, not reasonable reinvestigation.

5. 611 ( a ) ( 6 ) : Failure to provide MOV in previous disputes.

6. 611 ( a ) ( 5 ) ( A ) : Must delete unverifiable information.

Requested Action : Remove all late payments or delete entire tradeline. 
XXXX XXXX ( Charge-Off Falsely Reported ) Evidence : See Exhibit A Letter from XXXX XXXX XXXX XXXX confirming the account ending in XXXX was PAID IN FULL, IN GOOD STANDING, and CLOSED prior to any derogatory reporting. 
Violations : 1. 623 ( a ) ( 1 ) : Reporting charge-off on an account confirmed to be in good standing.

2. 623 ( a ) ( 2 ) : Failure to correct information after consumer notification.

3. 607 ( b ) : Reporting charge-off without any supporting documentation.

4. 611 ( a ) : Failure to reasonably reinvestigate previously submitted disputes.

5. 611 ( a ) ( 5 ) ( A ) : Bureaus required to delete information proven inaccurate.

6. 1681h ( e ) : Defamation liability for knowingly reporting false statements.

Requested Action : Delete entire tradeline.

IV. DEMAND FOR METHOD OF VERIFICATION ( MOV ) Pursuant to 611 ( a ) ( 7 ), I demand : 1. The name of the furnisher representative who verified each account.

2. The exact documents used.

3. Date, time, and method of verification.

4. Whether verification was manual or automated ( e-Oscar ).

V. DECLARATION I affirm all statements are true under penalty of perjury. 
Signed, ___________________________ XXXX XXXX

Company response to consumer: Closed with explanation