Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kinum, Inc., Indianapolis, IN Branch
State: NV

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item information, as appropriate based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Accuracy/Completeness : 15 U.S. Code 1692 ( g ) Validation of debts 15 U.S. Code 1681b ( a ) ( 2 ) permissible purpose of consumer reports 15 U.S. Code 1681i ( 5 ) - Removal of Inaccurate Unverified Credit Information 15 U.S. Code 1681e ( b ) - Compliance Procedures Maximum Possible Accuracy Open/late payments : 15 U.S. Code 1666b - Timing of payments 15 U.S. Code 1666b 12 CFR, 1026.13 - Billing Error - Late payments 15 U.S. Code 1681a ( 2 ) ( i ) : exclusions on transactions 15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( F ) - Reporting During XXXX ( Instructions : Please Update to Never Late ) 15 U.S. Code 1692e - False or misleading representations Collections : 15 U.S. Code 1692c ( identity theft. They aren't the original creditor, this is an attempt to collect a debt all illegal. They haven't validated anything. CFPB & BBB. ) 15 U.S. Code 1692g Validation of Debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of a judgment or the name and address of the original creditor. 

15 U.S. Code 1681 e ( b ) collections must be XXXX  % accurate across all XXXX  bureaus Charge Offs : Violation of 15 U.S. Code 1635 right of recission 15 U.S. Code 1692g Validation of Debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of a judgment or the name and address of the original creditor. 
Student Loans : 15 U.S. Code 1681B inaccurate false reporting 15 U.S. Code 1681 e ( b ) collections must be XXXX  % accurate across all XXXX bureaus Please remove the following items from my credit report, immediately ; 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KINUM INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation