Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: January Technologies, Inc
State: NC

Complaint narrative:
CFPB Complaint Draft ( Harsh Version All Bureaus ) Companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX, {$410.00} ) XXXX XXXX XXXX ( XXXX, {$1200.00} ) XXXX XXXX XXXX ( XXXX, {$1300.00} ) Complaint Narrative : XXXXXXXX XXXX is reporting XXXX separate debt-buyer accounts across all three credit bureaus. These tradelines are inaccurate, unverifiable, and unlawful : Contradictory Reporting Each tradeline is marked Closed yet also coded as Collection. Date of First Delinquency predates the reported account open date, an impossible scenario under XXXX XXXX. This alone proves the data is false. 

No Validation Neither XXXX  nor its servicer XXXX has produced a single contract, billing record, or chain of title. Without this, they can not legally continue collection or credit reporting ( FDCPA 809 ( b ) ; FCRA 623 ( a ) ( 1 ) ). 

XXXX Collection activity is being carried out using XXXX, not XXXX XXXX. This is a blatant violation of FDCPA 1692e ( 14 ) ( false name use ) and makes the credit reporting deceptive and misleading. 

Reinvestigation Failures I have disputed these accounts repeatedly. All three bureaus responded only with recycled verified/in dispute notations through e-OSCAR, never providing actual proof. This is a direct violation of FCRA 1681i ( a ) ( 1 ) & ( 6 ) ( B ) ( iii ) ( reasonable reinvestigation and MOV requirement ).

Pattern of Abuse XXXXXXXX  are serial offenders . Courts and regulators have sanctioned them before, including XXXX XXXX XXXX AG oversight and lawsuits over unlawful collection practices. 

State class actions alleging XXXXXXXX  used robo-signed affidavits and lacked documentation when suing consumers. 

Federal courts ( e.g., XXXX XXXXXXXX XXXX XXXX ) finding XXXX had no legal standing to collect because they couldnt prove ownership. 

Numerous CFPB complaints already on record for false reporting and failure to validate. 

This is not an isolated mistake it is a repeat pattern of deceptive trade practices. 

Legal Violations : Federal : FCRA 1681e ( b ), 1681i, 623 ( a ) ( 1 ) ; FDCPA 809 ( b ), 1692e ( 2 ), 1692e ( 14 ). 

XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX. XXXX ) and Collection Agency Act ( 58-70-90 et seq. ) prohibit false credit reporting and unverified collections. 

XXXX XXXX XXXX XXXX XXXX  are headquartered in XXXXXXXX XXXX their deceptive collection activity violates XXXX  consumer protection law and demonstrates repeat noncompliance with regulatory orders. 

These false XXXX accounts have destroyed my creditworthiness. Ive been denied financing and forced to pay higher interest rates on loans. The stress of fighting the same unverified accounts across all XXXX  credit bureaus, while being harassed by emails from XXXX under a different name than the furnisher, has caused ongoing harm to my finances and peace of mind. I need these accounts permanently deleted from all XXXX  reports.

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