Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ID Analytics, Inc.
State: LA

Complaint narrative:
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) 1. Inconsistent Reporting Across Credit Bureaus 2. Incorrect Account Status 3. Missing or Conflicting Details 4. Potential Duplicate Reporting 5. Incorrect " Date Opened '' Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX 1. Date Discrepancy ( " Last Reported '' vs. " Payment Status '' ) 2. Payment Status Inconsistencies 3. Account Balance and Payment Terms 4. " Consumer Disputes - Reinvestigation in Progress '' ( Experian/Equifax ) 5. Reporting of Payment Terms 6. High Credit and Credit Limit XXXX XXXX 1. Account Status vs. Payment Status 2. Contradiction in Payment Terms 3. High Credit vs. Credit Limit 4. Payment History and Comments 5. Date Last Active 6. Overall Reporting of the Charge-Off 1. Contradictory Monthly Payment : The account is closed with a {$0.00} balance, but a $ 379 monthly payment is still being reported. This is incorrect for a closed account. 
2. " Paid profit and loss '' Comment : This indicates the account was charged off and later paid, which is very damaging to your credit. If this is inaccurate, you should dispute it. 
3. Payment History Issue : The " Payment after charge off/collection '' status conflicts with the {$0.00} balance and closed status. 
4. Potential Inaccuracy in Dates : If you made payments after XX/XX/XXXX, the " Date Last Active '' should reflect the most recent payment date. I request that you investigate these discrepancies and correct or remove any inaccurate information. If the information can not be verified, I ask that the account be removed from my credit report entirely 5. XXXX Account Details Provided Account Type : Installment account Account Type - Detail : Individual account Bureau Code : XXXX Account Status : Closed Monthly Payment : {$520.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : Not listed High Credit : Not listed Credit Limit : Not listed Past Due : {$0.00} Payment Status : Paid or paying as agreed 1. Monthly Payment on a Closed Account 2. Missing or Incomplete Information 3. Account Status and Payment Status 4. Potential Reporting Errors Across Bureaus 5. Date Opened and Payment History XXXX XXXX 1. Duplicate Reporting of the Same Debt FCRA Section 609 requires that credit reports contain accurate information. Reporting the same debt twice can mislead lenders and artificially inflate your total debt, which may harm your credit score.

2. Inconsistent or Inaccurate Information 3. Failure to Update the Account Status 4. Failure to Conduct a Proper Investigation ( If You Disputed the Errors ) 5. Misleading or Harmful Reporting Practices XXXX XXXX 1 . Inconsistent Reporting Across Bureaus : 2. Incorrect Reporting of Payment History 3. Future Reporting Date ( Equifax ) : Ambiguity in Account Information : Potential Duplicate Reporting : Accuracy of Information ( FCRA 607 ( b ) ) : Duty to Correct Inaccuracies ( FCRA 611 ) : Reporting of Accurate Payment History ( FCRA 623 ( a ) ( 1 ) ( A ) ) : Duplicate Reporting : Misleading or Incomplete Information : XXXX XXXX XXXXnconsistent Reporting Across Bureaus : 1. Incorrect Reporting of Payment History 2. Future Reporting Date ( XXXX ) : Ambiguity in Account Information : Potential Duplicate Reporting : Accuracy of Information ( FCRA 607 ( b ) ) : Duty to Correct Inaccuracies ( FCRA 611 ) : Reporting of Accurate Payment History ( FCRA 623 ( a ) ( 1 ) ( A ) ) : Duplicate Reporting : Misleading or Incomplete Information : XXXX XXXX XXXX  Payment St

atus Discrepancies : Potential Violation : This may violate FCRA 607 ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. Balance Discrepancies : Potential Violation : This may violate FCRA 623 ( a ) ( 1 ) ( A ), which requires creditors to report accurate information to the credit bureaus. Account Status Inconsiste
ncies : Potential Violation : This inconsistency may violate both FCRA 607 ( b ) ( accuracy of information ) and FCRA 623 ( a ) ( 1 ) ( A ) ( creditor 's duty to report accurate information ). 
Date of Last Activity Discrepancies : Account Type and Details : Last Reported Date Discrepancy : FCRA 607 ( b ) : Credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. The discrepancies in payment status, balance, account status, dates, and account type suggest that this requirement is not being met. 
FCRA 623 ( a ) ( 1 ) ( A ) : Creditors ( or data furnishers ) must provide accurate information to the credit bureaus. If the creditor is reporting inconsistent or inaccurate information, they may be in violation of this section. 
FCRA 611 : If you dispute these inaccuracies, the credit bureaus and the creditor are required to investigate and correct the errors within 30 days. Failure to do so would constitute a violation. 
KIKOFF LENDING LLC Account Status and Payment Status Inconsistencies FCRA 607 ( b ), which requires credit reporting agencies to report accurate information. 
Date of Last Activity ( DLA ) and Last Reported Date Discrepancies Balance and Past Due Amount Account Type and Details Comments and Dispute Status High Credit and Credit Limit FCRA 607 ( b ) : Credit reporting agencies must ensure the maximum possible accuracy of the information they report. The inconsistencies in the Date of Last Activity, Last Reported Date, and account type may violate this section. 
SELF FINANCIAL/LEAD BA Inconsistencies Between Credit Bureaus Account Status Confusion Past Due Reporting Failure to Update Information Potential Impact on Credit Score Consumer Financial Protection Bureau XXXX CFPB ) Regulations Fair Debt Collection Practices Act ( FDCPA ) Fair Credit Reporting Act ( FCRA ) XXXX XXXX Inconsistencies Between Credit Bureaus Reporting a Balance on a Closed Account Past Due Status Duplicate or Incorrect Account Type Failure to Update Information Potential Impact on Credit Score Relevant Laws 1. Fair Credit Reporting Act ( FCRA ) 2. Fair Debt Collection Practices Act ( 3. 3. FDCPA ) Consumer Financial Protection Bureau ( CFPB ) Regulations SELF FINANCIAL/LEAD BA 1 . Account Status 2. Dates 3. Payment History 4. Account Type 5. Balance and High Credit 6. Comments Accuracy of Information ( 1681e ( b ) ) 2. Duty to Correct and Update Information ( 1681s-2 ( a ) ( 2 ) ) 3. Disputed Information ( 1681i ) 4. Adverse Information Reporting ( 1681c ) 5. Consumer Notification and Transparency ( 1681g ) XXXX XXXX XXXX 1. Future Dates 2. Balance and Credit Limit 3. Account Type 4. Comments 5. Reporting Errors Across Bureaus Duty to Correct and Update Information ( 1681s-2 ( a ) ( 2 ) ) Transparency and Consumer Rights ( 1681g ) Impact on Creditworthiness ( 1681i ) Potential Fraud or Misrepresentation CURRENT 1. Future Dates 2. Inconsistent Information Across Bureaus 3. Missing or Incomplete Information 4. Account Type and Status Confusion 5. Potential Misrepresentation of Current Status CURRENT 1. Future Dates 2. Inconsistent Information Across Bureaus 3. Missing or Incomplete Information 4. Account Type and Status Confusion 5XXXX  Potential Misrepresentation of Current Status SELF XXXX XXXX 1 . Inconsistent Dates 2. Duplicate or Conflicting Account Information 3. Unclear or Missing Data 4. Potential Identity Theft or Fraud 5. Failure to Correct Errors SBNASELFLNDR 1. Inconsistent Dates 2. Duplicate or Conflicting Account Information 3. Unclear or Missing Data 4. Potential Identity Theft or Fraud 5. Failure to Correct Errors XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Inconsistencies in Account Type and Details Inconsistencies in Payment Status Duplicate or Conflicting Account Numbers Balance and Past Due Amount High Credit or Credit Limit Account Status and Ownership Potential Re-aging of the Account XXXX XXXX 1. Account Type and Inconsistent Reporting 2. Account Status and Payment Status 3. Inaccurate Dates 4. Balance and Past Due Amount 5. High Credit and Credit Limit 6. Monthly Payment and Terms FCRA 1681i : If you dispute these inaccuracies, the credit bureaus are required to investigate and correct them. Failure to do so would be a violation. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : Inaccurate reporting could potentially fall under UDAAP, which is enforced by the Consumer Financial Protection Bureau ( CFPB ). 
XXXX XXXX Future Dates for Account Information Inconsistent Account Status Ambiguous Payment Information High Credit and Credit Limit Inconsistent Reporting Across Bureaus Account Type Details XXXX Future Dates for Account Information Inconsistent Account Status Ambiguous Payment Information High Credit and Credit Limit Inconsistent Reporting Across Bureaus Date Last Active and Last Reported SELFBILLSC Future Dates for Account Information Account Status Inconsistency High Credit and Credit Limit Misrepresentation High Credit and Credit Limit Misrepresentation Inconsistent Payment Information XXXX Future Dates for Account Information : Account Status Inconsistency : High Credit and Credit Limit Misrepresentation : payment information balance reporting SELFBILLS Account Status Inconsistency : balance reporting payment status monthly payment date open SBNASELFLNDR Missing or Incorrect Dates : The " Date Opened '' is not explicitly provided, which is crucial for understanding the account 's history. The " Last Reported '' date appears to be in the future ( XX/XX/XXXX ), which is not possible for a past account. Pass due amount payment status Bureau Code : The Bureau Code is not fully filled out, which may lead to confusion about which credit bureau is reporting the information. Like clarity on account type. Comments section potential violation of the FCRA Consumer rights Lack of clarity on terms

Company response to consumer: Closed with non-monetary relief