Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
CFPB CONSUMER COMPLAINT Subject : Credit Reporting Unauthorized Hard Inquiries, Inaccurate Closed Accounts & Unverified Collection Account Consumer Name : XXXX XXXX Address : [ XXXX XXXX ] City, State, ZIP : [ XXXX XXXX XXXX  ] Email / Phone : [ XXXX  ] Date : [ XXXX  XXXX  ] COMPLAINT DETAILS I am submitting this complaint regarding inaccurate, incomplete, and potentially unlawful credit reporting practices involving unauthorized hard inquiries, misreported closed accounts, and an unverified collection account appearing on my consumer credit reports with XXXX, XXXX, and XXXX. 

These issues have caused measurable harm to my credit profile and may constitute violations of the Fair Credit Reporting Act ( FCRA ).

UNAUTHORIZED / UNVERIFIED HARD INQUIRIES My credit reports reflect multiple hard inquiries that I either did not authorize, do not recall authorizing, or for which no permissible purpose has been clearly established, as required under FCRA 604 ( 15 U.S.C. 1681b ). 

Examples include, but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX federal law, a hard inquiry may only be reported when a creditor has a legitimate permissible purpose and documented consumer authorization. I have requested verification of these inquiries, yet they continue to be reported without proof of authorization. 



INACCURATE REPORTING OF CLOSED ACCOUNTS My credit file also reflects closed accounts that appear to be misreporting account status, balances, dates, or payment history, or are being presented in a manner that is misleading and unfairly damaging. 

Accounts of concern include : 5/3 Bank NA ( Closed ) XXXX XXXX ( Closed ) Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are required to report information that is complete and accurate. Reporting closed accounts with inaccurate or unverifiable details violates this requirement.

UNVERIFIED COLLECTION ACCOUNT XXXX XXXX ( {$530.00} ) My credit reports list a collection account from XXXX XXXX in the amount of {$530.00}, which I dispute in its entirety. 

To date, I have not been provided : Proof that this debt is legally owed by me Proof that XXXX XXXX has the legal authority to collect Documentation validating the accuracy of the amount reported Under FCRA 611 ( a ) and FDCPA 809, a collection account must be fully verified and accurately reported. Continued reporting of this account without proper validation is inaccurate and harmful. 



FAILURE TO MAINTAIN REASONABLE PROCEDURES The continued reporting of the above items raises concerns regarding compliance with FCRA 607 ( b ), which requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy.

CONSUMER HARM As a result of these practices, I have experienced : Lowered credit scores Reduced access to credit Increased interest rates Financial and emotional distress REQUESTED RESOLUTION I respectfully request that the CFPB : 1. Investigate unauthorized hard inquiries lacking permissible purpose 2. Require deletion of any inquiry that can not be verified 3. Require correction or deletion of inaccurately reported closed accounts 4. Require full validation or deletion of the XXXX XXXX {$530.00} collection account 5. Ensure compliance with the Fair Credit Reporting Act and applicable consumer protection laws ATTACHMENTS Copies of credit reports highlighting disputed items Copies of dispute correspondence sent to credit reporting agencies CLOSING STATEMENT I respectfully request the CFPBs assistance in ensuring my consumer rights are protected and that my credit reports reflect only accurate, complete, and lawfully reported information. 

Thank you for your time and attention to this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation