Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Re-Aged & Unverified Accounts ( XXXX XXXX XXXX XXXX XXXX ) Subject : Illegal Re-Aging of Accounts, Reporting of Unverified Debt, Violation of Pay-for-Delete / No-Negative-Reporting Agreement, and Serious FCRA Non-Compliance Resulting in Significant Credit Harm Dear Consumer Financial Protection Bureau, I am requesting immediate Supervisory Review for serious and ongoing FCRA violations involving : 1. XXXX  2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) These parties have engaged in illegal re-aging, reporting of unverified accounts, and unauthorized negative reporting despite previous deletions, disputes, and agreements prohibiting negative reporting. 

These actions have caused my XXXX  score to drop XXXX points, with no basis in fact or law. 
All accounts listed below were unverified, disputed repeatedly, or previously deleted. 

XXXX. XXXX  / XXXX XXXX Illegal Reappearance & Re-Aging of Unverified Debt Issue : XXXX  has reopened an XXXX Funding collection account that was previously closed and deleted from XXXX  and XXXX  based on lack of verification. 

This account is unverified, and XXXX has NEVER provided validation under FCRA 609/611 or FDCPA 809. 

Yet XXXX  and XXXX re-aged the account on : XX/XX/XXXX XX/XX/XXXX XXXX also identified these as probable errors, because reopening closed accounts is extremely unusual and indicates re-aging or improper reinsertionboth prohibited under FCRA 605 ( c ).

Violations : FCRA 611 ( a ) ( 5 ) ( B ) Reinsertion without certification No notice was provided, and the furnisher has no verification.

FCRA 623 ( a ) ( 1 ) ( A ) Reporting information known to be inaccurate FCRA 623 ( a ) ( 3 ) Failure to mark account as disputed FDCPA 807 ( 8 ) Communicating false information Illegal re-aging, which extends the life of a debt in violation of federal law. 

This account is unverified, previously deleted, and can not legally reappear.

I request : Immediate permanent deletion from TransUnion and regulatory action against the furnisher. 

XXXX. XXXX  / XXXX Illegal Re-Aging & Violation of No Negative Reporting While Paying Agreement XXXX  and XXXX  reported retroactive negative payment history that never existed. 

XXXX detected multiple negative changes to historical data, including : XX/XX/XXXX changed from Current 30 Days Past Due XX/XX/XXXX changed from Current 30 Days Past Due XX/XX/XXXX changed from XXXX XXXX  Days Past Due XX/XX/XXXX changed from XXXX XXXX  Days Past Due ( positive change but still altered history ) Historical payment data almost NEVER changes unless someone is manually re-aging accounts which is illegal.

Violations : FCRA 623 ( a ) ( 2 ) Failure to correct inaccurate information FCRA 623 ( a ) ( 1 ) ( A ) Reporting information known to be false FCRA 623 ( a ) ( 4 ) Furnisher duty to update and correct FCRA 607 ( b ) XXXX  failing reasonable procedures FCRA 611 Improper response to multiple disputes Most importantly : XXXX  previously agreed not to report negative information while I was paying the account. This is a written agreement and XXXX  is still bound by it.

By re-aging and inserting derogatory data years later, XXXX  and XXXX  are engaging in : Contract violation FCRA violations Deceptive practices under Dodd-Frank UDAAP My credit score dropped more than 30 points even though these accounts were : Under agreement Not delinquent Not allowed to be negatively reported Already disputed repeatedly This is manufactured derogatory reporting prohibited under the FCRA. 

XXXX. XXXX Independent Liability XXXX  separately violated : FCRA 607 ( b ) failure to maintain reasonable procedures FCRA 611 ( a ) improper reinsertion and handling of disputes FCRA 611 ( a ) ( 5 ) ( A ) failure to delete unverifiable information FCRA 611 ( a ) ( 7 ) failure to provide method of verification Despite evidence showing : XXXX could not verify since original Furnishers never verified. 

Fortiva had a contractual agreement prohibiting negative reporting Payment history was modified after the fact XXXX  and XXXX  removed the XXXX account XXXX  continued to publish false credit data. 

Conclusion These actions are willful violations causing significant harm, manufactured negative data, and illegal re-aging practices that violate federal law. 

I request immediate regulatory review and correction of these falsified and erroneous credit reporting practices by the furnisher and XXXX. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation