Consumer complaint received 2025-05-30 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: PatientFi, Inc.
State: GA

Complaint narrative:
FINAL COMPLIANCE NOTICE. 

Dated XXXX XXXX XXXX XXXX XXXX Customer Support Manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CFPB Complaint # XXXX - Violation of Fair Credit Reporting Act Section 623 -- - FORMAL DISPUTE AND DEMAND FOR COMPLIANCE Dear XXXX XXXX, I am in receipt of your response dated XX/XX/2025, regarding CFPB complaint # XXXX. Your response demonstrates a fundamental misunderstanding of your legal obligations under the Fair Credit Reporting Act ( FCRA ) and contains several concerning statements that I must address. 

VIOLATION OF FCRA SECTION 623 - FURNISHER RESPONSIBILITIES Your company is in direct violation of * * 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) * * which explicitly states : > * * '' A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. " * * # # # SPECIFIC LEGAL VIOLATIONS IDENTIFIED * * 1. Continued Reporting Despite Knowledge of Inaccuracy * * - You acknowledge receiving * * five separate disputes * * regarding this account - Under FCRA 623 ( a ) ( 1 ) ( B ), you are prohibited from furnishing information to consumer reporting agencies after receiving notice of errors - Your statement that you will continue reporting despite multiple disputes violates federal law * * 2. Failure to Conduct Reasonable Investigation * * - FCRA 62XXXX ( b ) requires furnishers to conduct reasonable investigations when notified of disputes - Your responses indicate no genuine investigation occurred, only a review of internal records - You have failed to provide evidence supporting the validity of the alleged debt * * 3. Improper Characterization of Legitimate Disputes * * - Your threat to deem future complaints " frivolous '' is inappropriate and potentially retaliatory Each consumer has the right to dispute inaccurate information under FCRA 611 - Attempting to suppress legitimate disputes violates consumer protection laws REQUIRED IMMEDIATE ACTIONS Pursuant to FCRA Section 623 and supporting regulations, you must immediately : 1. * * CEASE ALL CREDIT REPORTING * * on this account until you can verify its accuracy through independent documentation 2. * * REMOVE ALL NEGATIVE REPORTING * * from my credit files with XXXX, XXXX, and XXXX  3. * * PROVIDE VERIFICATION * * of the alleged debt including : 4. Prove Company Owns Debt. 5. Prove Debt has not be
en ( SECURITIZED ) & OR Transferred to as Trust By Using The SPE. 
- Original signed loan agreement - Chain of custody documentation - Proof of default and charge-off calculations- Legal authority to report this information LEGAL CONSEQUENCES OF NON-COMPLIANCE Failure to comply with these legal requirements may result in : - Additional CFPB complaints and regulatory action - Private right of action under FCRA 616 for willful non-compliance - Actual and statutory damages up to {$1000.00} per violation - Attorney fees and court costs - Punitive damages for willful violations DEADLINE FOR RESPONSE You have XXXX  days * * from receipt of this letter to : 1. Remove all negative reporting related to this account 2. Provide written confirmation of removal to all three credit bureaus 3. Furnish complete verification documentation as requested above PRESERVATION OF RIGHTS This letter does not waive any of my rights under federal or state law. I reserve all rights to pursue legal remedies for your violations of the Fair Credit Reporting Act. 

I expect your immediate compliance with federal law and look forward to your prompt response confirming the removal of all negative reporting. 

Sincerely XXXX XXXX

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