Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: VYSTAR CREDIT UNION
State: GA

Complaint narrative:
Subject : Urgent Follow-Up on VyStar Credit Union Complaint Legal Action Pending for Fraud and Credit Reporting Errors Dear Consumer Financial Protection Bureau XXXX CFPB ), This letter serves as an escalation and clarification regarding my previous complaint ( Case Number XXXX ) filed on XX/XX/year> concerning fraudulent activity and erroneous credit reporting by VyStar Credit Union. I would like to emphasize that this is not a duplicate complaint, but a continuation of unresolved issues that require immediate action from both VyStar and your office. 

XXXX XXXX # XXXX. 

VyStars Inadequate Response and Failure to Address Fraud : On XX/XX/year>, VyStar Credit Union responded by asking for additional documentation, including a second form of government-issued ID. However, they failed to address the fraudulent activity on my account, despite my submitting both an FTC Identity Theft Report and an official police report. VyStar 's response continues to ignore the core issuethat my account was compromised through identity theft, which has led to fraudulent reporting across all major credit bureaus, including XXXX, XXXX, and XXXX, as well as third-party agencies like XXXX. 
Ongoing Financial and Personal Harm : The continued erroneous reporting has caused me to lose a {$480000.00} mortgage approval, leaving my family displaced from our home. As a result, we were forced to move into an extended-stay hotel and uproot my children from their school district. This has caused severe emotional XXXX  and disrupted my children 's education, further compounding the negative impact on my family. 
Request for Immediate Resolution : I am demanding that VyStar Credit Union remove all fraudulent entries from my credit report within 14 days and provide written proof that these errors have been corrected. If this issue is not resolved to my satisfaction within this time frame, I will be proceeding with legal action. 

Legal Action : I have consulted XXXX XXXX XXXX, and they are prepared to take legal action on my behalf, including suing VyStar Credit Union for {$480000.00} in damages resulting from the loss of my home loan, the disturbance to my children 's education, and the emotional and financial hardship caused by VyStar 's failure to address this matter. 

I trust that the CFPB will assist in expediting this process to ensure that VyStar takes immediate action. If this matter is not resolved within 14 days, I will proceed with filing a lawsuit for damages, including punitive damages, as well as legal fees for the XXXX  and harm caused by their negligence. 

Thank you for your attention to this urgent matter. I look forward to receiving confirmation from both VyStar and the CFPB that the issue has been resolved. 

Sincerely, XXXX XXXX XXXX XXXX Ending in : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation