Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am disputing a Truist Bank account that is being reported inconsistently and inaccurately across all three credit bureaus. I demand full deletion, not correction, status update, or balance adjustment. 

XXXX XXXX Duplicate & Contradictory Tradelines Tradeline A : Reports Charge-off with Balance {$8800.00} and Past Due {$8800.00}, Monthly Payment {$0.00}, Last Payment Date XX/XX/XXXX, Comments : CHARGED OFF ACCOUNT. 

Tradeline B : Reports {$0.00} balance, PAID CHARGE OFF / SETTLEMENT ACCEPTED, Last Payment Date XX/XX/XXXX, Balance updated XX/XX/XXXX, Comments : SETTLEMENT ACCEPTED. 

XXXX  is furnishing two conflicting versions of the same account. One shows a live balance due, the other shows XXXX XXXXXXXX. This is duplicate and contradictory reporting, violating FCRA 607 ( b ) ( accuracy ) and

623 ( a ) ( 1 ) ( A ) ( furnishers may only report accurate information ). It also violates XXXX XXXX  coding by reporting a past due amount on a closed charge-off with XXXX XXXX  monthly payment.

2. XXXX Contradictions & Failed Dispute Reinvesigation Reports Paid in settlement. {$8100.00} written off. 

Balance field blank ( not {$0.00} ). 

Payment history shows {$8800.00} balance due as late as XX/XX/XXXX. 

Status updated XX/XX/XXXX conflicts with Last Payment Date XX/XX/XXXX. 

Comments : Account information disputed by consumer and Account paid in full for less than full balance. 

XXXX own file shows contradictory balances ( {$8800.00} vs {$8100.00} vs IRS {$3000.00} canceled ) and conflicting dates ( XXXX vs XXXX ). 
I previously disputed this account with XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX marked the item as Updated, not deleted. This is a failure to conduct a reasonable reinvestigation under FCRA 611 ( a ). Updating without resolving contradictions is not compliance deletion is required. 

XXXX XXXX  Inconsistent & Incomplete Reports Balance {$0.00} / Past Due {$0.00}. 

Status : Payment after charge off / collection. 

Last Payment Date XX/XX/XXXX. 

Payment history : Unavailable ( suppressed ). 

Comments : Account information disputed by consumer. 

XXXX  shows {$0.00} balance, while XXXX  XXXX reports {$8800.00} balance due. XXXX shows XX/XX/XXXX last payment date ; XXXX  A shows XX/XX/XXXX. Payment history is hidden entirely, while XXXX show months of derogatories. Inconsistent across bureaus = inaccurate reporting. 

XXXX. Dispute Remark Coding Violation XXXXXXXX XXXX XXXX display Account information disputed by consumer. 

XXXX  does not. 
This is a violation of FCRA 623 ( a ) ( 3 ). If Truist notified one bureau of a dispute, they must notify all.

5. IRS Form 1099-C Cancellation of Debt ( Attached ) The IRS Wage & Income Transcript for XXXX shows Truist issued a Form 1099-C on XX/XX/XXXX for this account. 

Amount of debt discharged : {$3000.00}. 

Identifiable event : By Agreement. 
Once a 1099-C is issued, the debt is canceled for tax purposes. Any continued reporting of a balance ( {$8800.00} on XXXX XXXX ) or past due is false furnishing and violates FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ). 

6. Illegal Re-Aging XXXX  A shows last payment XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX show last payment XX/XX/XXXX. 
Reporting different last payment dates for the same account alters the Date of First Delinquency ( DOFD ) and illegally re-ages the account to stay on reports longer. This violates FCRA and XXXX XXXX standards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief