Consumer complaint received 2024-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
XXXX/OPPLOANS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Re : Pre-Demand Notice for Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to notify you of multiple violations of the Fair Credit Reporting Act ( FCRA ) concerning inaccurate and misleading information furnished to the credit reporting agencies regarding my account. These violations have caused significant harm to my creditworthiness and financial standing. 

# # # Violations of the FCRA **1. Failure to Provide Proof of Validation** Under 15 U.S.C. 1681s-2 ( b ), furnishers are required to conduct a reasonable investigation and provide proof of validation when a consumer disputes the accuracy of information. Despite my request, you have failed to provide such proof for the disputed account. 

**2. Discrepancies in Close Dates** The close dates reported are inconsistent across different sections of my credit report. This violates the FCRAs requirement for accuracy and completeness.

**3. Incorrect Dispute Status** The dispute status listed on the report does not accurately reflect the current status of my disputes. Under 15 U.S.C. 1681s-2 ( a ) ( 3 ), furnishers are obligated to report accurate information, including the status of disputes.

**4. Inconsistent Dates of Last Verified** The dates of last verification for the disputed accounts vary across my credit report, indicating a lack of proper investigation and validation.

**5. Incorrect Date of Last Activity** The date of last activity reported for the accounts is inconsistent and incorrect, affecting the statute of limitations and my credit score.

**6. Different Payment Status** The payment status reported differs across various sections of my report and does not match my actual payment history, violating the requirement for accuracy under the FCRA .

**7. Misleading and Inaccurate Reporting** The entire report presents a misleading and inaccurate picture of my credit history, which is a direct violation of the FCRAs accuracy requirements.

# # # Demand for Correction and Compensation Given these multiple violations, I demand the following : 1. **Immediate Deletion of Inaccurate Information : ** Remove all inaccurate and misleading information from my credit report.

2. **Monetary Compensation : ** Provide compensation of {$1000.00} for each of the seven identified violations, totaling {$7000.00}, as provided under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ).

Please consider this letter as a formal notice before legal action. If these inaccuracies are not corrected and the compensation provided within 30 days, I will be forced to pursue legal remedies to protect my rights under the FCRA and other applicable consumer protection laws.

I trust this matter will receive your immediate attention. Please provide written confirmation of the actions taken to resolve these issues and the payment of the demanded compensation within the specified timeframe. 

Sincerely,

Company response to consumer: Closed with explanation