Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Credit Fresh Holdings Inc
State: WA

Complaint narrative:
Evidence of Fraudulent Conduct. Date of last account verification and highest balance status are not accurate. Credit Fresh is asserting highest balance as still owing and derogatory. Credit Fresh closed the account however did not modify to reflect accurate verification date ; XX/XX/year> and or current balance as PAID XXXX XXXX XXXX XXXX XXXX XXXX  Theft of Identity & Tax Fraud : Impermissible Access and Misrepresentation of Facts : Written Off, Charged Off, Collections, settled, Transferred, debt are not validated. Borrower has not been provided requested and required IRS 1099-C Affidavits. Creditors did not adhere to FCRA Reporting Guidelines prior to falsely reporting. 

Creditors have knowingly misrepresented debt, refused to disclose supporting evidence by intentionally falsified records regarding account details to CRAs, CFPB, and IRS. 

The Washington State Consumer Protection Act, is a state law that aims to protect consumers from unfair or deceptive business practices. The WPA will grant consumers various rights regarding their personal data, including the right to access, portability, correction, deletion, and to restrict or object to the processing of their data in certain circumstances. 

Credit Fresh is in violation of the FCRA guidelines. Above mentioned Furnishers are fraudulently reporting old or outdated, for account that are discharged PAID and CLOSED debt accounts. Credit Fresh has fraudulently accessed credit reports for impermissible purposes, and without ethical intent of unbiased investigation from XX/XX/year> to Present Date. Credit Fresh is intentionally refusing to disclose supportive documentation, with intent to engage in violating consumers privacy. 

XXXX, XXXX, XXXX and XXXX are required to investigate per FCRA Guidelines. Once notified by a CRA of a consumer dispute, the furnisher of the disputed information must do its own reasonable investigation. A reasonable investigation of facts by definition under FCRA. 1681s-2 ( b ) requires the furnisher to examine sufficient evidence to determine whether the disputed information is accurate. 

Se

ctions 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. Penalties For Non-Compliance : Violations of the FCRA can lead to both civil and criminal penalties. Civil penalties, including nominal damages ( up to XXXX XXXX dollars if no actual damages exist ), actual damages ( including emotional distress ), and punitive damages, plus attorneys ' fees and costs, may apply where there is " willful noncompliance '' with the Act. Civil penalties for " negligent noncompliance '' are restricted to actual damages and attorneys ' fees and costs. Criminal penalties may apply where an individual knowingly and willfully obtains information from a consumer reporting agency under false pretenses.

Company response to consumer: Closed with explanation