Consumer complaint received 2026-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CreditNinja Lending, LLC
State: FL

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX, as well as the three major credit reporting agencies ( XXXX XXXX XXXX XXXX ), for severe violations of the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Fair Debt Collection Practices Act ( FDCPA ). I demand the immediate deletion of the above-referenced account from my credit reports. This account is plagued with gross inaccuracies, lacks written consent, and the alleged debt has never been validated. 1. Lack of Written Consent and Unauthorized Furnishing of Information Under 15 U.S.C. 1681, consumer reporting agencies and furnishers must ensure maximum possible accuracy and have a permissible purpose to obtain or furnish my personal information. I have never provided written consent or authorization to XXXX XXXX XXXX to obtain, process, or furnish my nonpublic personal information to any third-party credit reporting agency. Furthermore, under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), financial institutions are prohibited from disclosing nonpublic personal information to nonaffiliated third parties without providing the consumer an opportunity to opt out. XXXX XXXX XXXX has unlawfully shared my personal data without my consent, violating my privacy rights. Because this information was obtained and furnished illegally, it must be deleted immediately. 2. Failure to Validate Debt Prior to Reporting Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), a debt collector must provide a written validation notice containing specific information about the debt within five days of the initial communication. XXXX XXXX XXXX has failed to provide any such validation of this alleged debt, yet they have proceeded to place derogatory information on my credit reports. Reporting an unvalidated debt is a direct violation of the FDCPA, and the account must be removed from my credit file immediately. 3. Gross Inaccuracies and Inconsistent Reporting Across Bureaus Upon reviewing my credit reports, I discovered numerous egregious errors, inconsistencies, and corrupted data points being reported by XXXX XXXX XXXX across XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681e ( b ), credit bureaus are required to follow reasonable procedures to assure maximum possible accuracy. The following discrepancies prove that this standard is not being met, warranting the immediate deletion of this tradeline : Inconsistent Dates of Last Activity and Closed Dates : XXXX and XXXX report the Date of Last Activity and Closed Date as XX/XX/XXXX. However, XXXX reports both of these dates as XX/XX/XXXX. A single account can not have dates of last activity or closed dates that differ by over XXXX months across different bureaus. Corrupted and Invalid Status Codes : Both XXXX XXXX XXXX are reporting my Account Rating and Account Status as XXXX. This is clearly a corrupted internal system code, not a valid or legally permissible status. The bureaus are failing to maintain accurate, readable consumer data. Conflicting Creditor Classifications : The XXXX XXXX is reported inconsistently across all three bureaus. XXXX lists it as Collection services, XXXX lists it as XXXX XXXX XXXX, and XXXX lists it as Factoring Companies. This contradiction demonstrates a complete lack of verification by the furnishers and the bureaus. Missing and Inconsistent Balances : XXXX XXXX XXXX report a High Balance of {$2000.00}, whereas XXXX reports no High Balance at all. Identical Reporting Dates : The Date Reported, Date Opened, and Last Verified dates are all listed identically as XX/XX/XXXX across the bureaus. This strongly suggests automated, unverified batch reporting rather than a genuine, individualized investigation of the accounts accuracy.

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