Consumer complaint received 2025-10-17 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: RFNA, LP
State: GA

Complaint narrative:
This letter serves as my formal Cease and Desist Notice and escalated dispute regarding the continued reporting of an unverified and legally unsubstantiated account on my credit report. ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER XXXX DATE OPEN : XX/XX/year> DATE CLOSED : na ACCOUNT STATUS : CLOSED PAYMENT STATUS : COLLECTION/CHARGE OFF I have repeatedly disputed this account through proper channels. Despite my valid disputes and multiple supporting complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), this account continues to reappear as verified without any proof, validation, or chain of ownership documentation from the furnisher. Your continued reporting of this unverifiable information violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). XXXX FCRA XXXX ( A ) Credit reporting agencies must ensure maximum possible accuracy of the information contained in consumer reports. XXXX FCRA XXXX ( b ) You must follow reasonable procedures to assure maximum possible accuracy. Reporting unverifiable or unvalidated accounts constitutes negligence or willful noncompliance. XXXX FCRA XXXX ( a ) ( XXXX ) ( A ) Once a consumer disputes an account, the CRA must conduct a reasonable reinvestigation and delete any information that can not be verified. A verified status without proof of validation or supporting documentation is not a reasonable reinvestigation. XXXX FCRA XXXX ( a ) ( XXXX ) ( A ) Any information deleted as a result of a dispute may not be reinserted unless the furnisher certifies its accuracy in writing, and the CRA notifies the consumer within XXXX business days of reinsertion. Failure to do so is unlawful. XXXX FCRA XXXX ( a ) ( XXXX ) ( A ) Data furnishers are prohibited from reporting information they know or have reason to believe is inaccurate. XXXX FDCPA XXXX ( b ) A debt collector must provide verification of the debt upon request. Continued collection or reporting activity without proper validation violates this section. XXXX FCRA XXXX and XXXX Noncompliance subjects both furnishers and bureaus to civil liability for willful or negligent violations. MY REQUESTS AND DEMANDS XXXX Cease and Desist from reporting, verifying, or distributing this account until full legal validation and proof of ownership are provided. XXXX Provide me with copies of any documentation used to verify this account, including assignment or purchase contracts and any signed agreement showing I am legally responsible for the alleged debt. XXXX Immediately delete and permanently block this account from reinsertion under FCRA XXXX ( a ) ( XXXX ) ( B ) since it was previously disputed and remains unverified. XXXX Send me a written statement of deletion and an updated credit report reflecting this correction within XX/XX/XXXX days of receipt. XXXX Escalate this matter to your XXXX XXXX XXXX Department, as I have already filed formal complaints with both the FTC and the CFPB, which can be referenced if needed. Continued noncompliance with the above laws will constitute willful violation of my consumer rights under 15 U.S.C. XXXX, XXXX, and XXXX, and I will pursue all available remedies, including legal action and further regulatory escalation. Please block an removed this account immediately

Company response to consumer: Closed with explanation