Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Credit Fresh Holdings Inc
State: WA

Complaint narrative:
XXXX-Notice of Default : Failure to Cease and Desist Fraudulent Creditor Furnishings : Credit Fresh To WhomIt May Concern : I have received additional non-investigative credit dispute resultsfrom XXXXand Credit Fresh . Both entities are continuing to report fraudulent information, both entities have confirmed accurate reporting for known fraudulentinformation, both entities have refused to adhere to FCRA GUIDELINES pertaining to enforcement of my fraud alert request, both entities have committed misconduct due to their provenknowledge of fraud furnishings.

Consumer has exhausted all efforts to communicate with Fraudulent Furnishers for. Resolution. All Complaints can be accessed through the CFPB website.Please provide me the details of the department and departmental contact information in order for me to initiate correspondence regarding my complaints.

Credit Fresh isinviolationof the FCRA guidelines. Credit Freshis actively fraudulentlyreporting old or outdated information, fraudulently accessing mycredit report for impermissible purposes, and intentionally refusing to disclosesupportive documentation to engage in violating consumersprivacy. XXXXand Credit Fresharerequired to investigateper 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 under FCRA 1681s-2 ( b ) requires the furnisher to examine sufficient evidence to determine whether the disputed information is accurate.

Sections 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. 

A creditor or other business must give you copies of applications and other business records relating to transactions and accounts that resulted from the theft of your identity, if you ask for them in writing. 

XXXXhasfailed to conduct an unbiased and reasonable investigation ; by continuing to certify fraudulent and inaccurate data as accurate ; Credit Fresh and XXXXare in violation of Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate.

Penalties For Non-Compliance : Violations of the FCRA can lead to both civil and criminalpenalties. Civil penalties, including nominal damages ( up to one thousand 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. 

I have attached XX/XX/year> Fraud Dispute Resolution results. I have previously provided to XXXXproof of fraudulent furnishings. All submissions to CRAs have been cataloged and preserved to demonstrate the willful disregard, intentional misconduct, and organizational wrongdoings.Also included are the XXXX Police Department investigation reports and prohibited access warning issued to Credit Fresh.

The time in which XXXX and Credit Fresh have been awarded to address these matters has now expired. Further Legal action will proceed to ensure proper implementation of accurateness is taken and adequately adhered to. 

Regards,

Company response to consumer: Closed with explanation