Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I am filing this formal complaint to report willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding multiple inaccurate, misleading, and unverifiable items currently reporting on my Experian credit report. 

The following accounts are subject to this complaint : XXXX. America First Credit Union Line of Credit {$650.00} Charged off XXXX. America First Credit Union Credit Card {$2900.00} Charged off XXXX. XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Credit Card {$2900.00} Charged off XXXX. XXXX XXXX XXXX XXXX ( XXXX ) Auto Loan {$37000.00} Charged off ( repossession ) XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Mortgage {$33000.00} Past Due In foreclosure Grounds for Complaint : XXXX. Violation of 15 U.S.C. 1681e ( b ) : Duty of Maximum Possible Accuracy Credit reporting agencies and furnishers are required to maintain accuracy of all information reported. These accounts contain false, incomplete, and misleading information, including : Continued reporting of balances on repossessed collateral ( auto loan ) Improper foreclosure status without full legal validation ( mortgage ) Inaccurate account statuses, balances, and reporting dates No evidence of the existence of a legally binding and signed contract for the reported debts Such reporting constitutes a violation of the maximum possible accuracy standard under 1681e ( b ).

2. Violation of 15 U.S.C. 1681i ( a ) : Failure to Conduct a Reasonable Reinvestigation I have submitted prior disputes to Experian demanding full verification and validation of these accounts pursuant to FCRA 1681i ( a ) ( 1 ) ( A ). No acceptable verification has been provided, yet the accounts remain unchanged. 

XXXX reinvestigation process has failed to meet the legal requirements of : Timely and reasonable reinvestigation Providing me the method of verification ( 1681i ( a ) ( 6 ) ( B ) ( iii ) ) Providing documentary evidence sufficient to substantiate reporting 3. Violation of 15 U.S.C. 1681s-2 ( b ) : Duties of Furnishers of Information The furnishers of these accounts ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX ) are in violation of 1681s-2 ( b ) due to their failure to : Accurately report current account information Cease reporting of accounts where no verification has been provided Update or delete accounts that can not be substantiated 4. Violation of 15 U.S.C. 1692g ( if applicable for any 3rd party collections ) : To the extent any of these accounts were sold, transferred, or otherwise assigned to collection entities, I have never received proper debt validation as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 



Specific Issues with Each Account : XXXX Auto Loan : The vehicle was repossessed, therefore the reporting of a large remaining balance is inaccurate and misleading unless properly documented through validated legal deficiency documentation ( which has not been provided ). 
XXXX / XXXX XXXX XXXX XXXX : Foreclosure status reporting is inaccurate and misleading in the absence of verified legal evidence of proper foreclosure process and court judgment. 
All Accounts : No signed contract has been provided ; no validation of balances ; no lawful proof of the debts existence in their reported form.

Relief Sought : Pursuant to FCRA 1681e ( b ), 1681i, and 1681s-2 ( b ), I hereby demand that the CFPB : 1. Investigate the willful and/or negligent non-compliance of Experian and the above furnishers ; 2. Require deletion of the accounts listed above due to failure of Experian and the furnishers to comply with federal law ; 3. Require a detailed explanation of how each party claims to have complied with FCRA requirements in their reporting and reinvestigation of these accounts ; 4. Provide confirmation to me of these deletions.

Notice : I am prepared to pursue all legal remedies available to me under the FCRA and FDCPA, including statutory damages, actual damages, and attorneys fees, should these violations persist. I will escalate this matter through litigation if necessary to ensure my rights are protected.

Company response to consumer: Closed with explanation