Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Continental Finance Company, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ALL Credit Reporting Agency Name Subject : Formal Dispute of Inaccurate Information and Notice of FCRA Violation Regarding Surge Account To Whom It May Concern : I am writing to formally dispute the inaccurate and unlawful reporting of a XXXX  credit account that was included in my bankruptcy XXXX, filed on XX/XX/year>, discharged on XXXX and to report ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., by a third-party collection agency acting on behalf of XXXX or its assigns. 
Nature of Dispute The XXXX account XXXX was legally discharged in bankruptcy and is therefore no longer collectible. Despite this, the collection agency Continental Finance continues to report the account inaccurately and has attempted collection in direct violation of the FCRA and the Bankruptcy Code. 
Violations 1. FCRA Violations 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) This section prohibits furnishing inaccurate information. Reporting a discharged debt as active, in collections, or past due constitutes inaccurate reporting. 
2. FCRA Violations 15 U.S.C. 1681s-2 ( b ) Upon receiving notice of a dispute from a consumer reporting agency, the furnisher is required to conduct a reasonable investigation and correct any inaccuracies. If XXXX or the collection agency failed to correct the tradeline after notification of bankruptcy, they are in violation of this requirement. 
3. Bankruptcy Code 11 U.S.C. 524 ( a ) ( 2 ) This section prohibits any act to collect a discharged debt as a personal liability of the debtor. Continued attempts to collect the debt or report it as collectible is a violation of the discharge injunction. 
4. FDCPA Violations 15 U.S.C. 1692e and 1692f If the collection agency is a third-party debt collector, continuing to attempt collection of a discharged debt constitutes a false, deceptive, and unfair practice. 
Requested Action Immediately delete or correct the inaccurate reporting of the XXXX account from my credit file to reflect a XXXX balance, discharged in bankruptcy, and not in collections. 
Cease and desist any future reporting or attempts to collect on this account. 
Provide written confirmation of your actions within 30 days as required by FCRA. 
Damages and Restitution Under the FCRA ( 15 U.S.C. 1681n and 1681o ), I am entitled to : Actual damages sustained due to inaccurate reporting, Statutory damages up to {$1000.00} per violation, Punitive damages for willful noncompliance, Court costs and reasonable attorneys fees if legal action becomes necessary. 
Please be advised that if this matter is not resolved promptly and appropriately, I will pursue all legal remedies available to me under federal and state law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking relief through the courts. 
Sincerely, XXXX XXXX

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 explanation