Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sezzle Inc.
State: MO

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the inaccurate and incomplete reporting of a charge-off account dated XX/XX/year>, as reported by Sezzle, on my credit report. The information is not only damaging my creditworthiness but also violating my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Request for Validation Pursuant to 15 U.S.C. 1692g ( b ) of the FDCPA, I demand validation of the debt you claim I owe. Specifically, I require : Proof of the Original Debt : Documentation, including the original signed contract or agreement bearing my signature, establishing the validity of this debt. 
Assignment Contract : If this debt has been sold, transferred, or assigned to your company, provide a copy of the assignment contract between you and the original creditor. 
Detailed Accounting : A complete breakdown of the alleged debt, including all fees, interest, and charges. 
If you can not provide the above documentation, you must immediately cease reporting this charge-off to the credit bureaus as required by law.

Violation of the FCRA Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to report accurate and verifiable data. Continuing to report a charge-off while failing to provide me with a 1099-C or other evidence of cancellation is misleading and inaccurate. I demand that you either : Issue a 1099-C to reflect the charge-off as canceled debt for tax purposes, or Remove the charge-off from my credit report entirely if the debt remains active and collectible.

Furthermore, pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( A ), you must provide me with a description of the procedure used to verify the accuracy of the disputed information within 15 days of completing your investigation.

Impact on My Financial Stability This misreporting is not a minor errorit is causing substantial harm, obstructing my ability to secure credit for essential purposes such as housing, transportation, and employment. The continuous reporting of this charge-off without proper validation or resolution demonstrates gross negligence of your legal responsibilities.

Immediate Action Required To resolve this matter, I demand that you take the following actions immediately : Remove the charge-off from all credit reporting agencies.

Provide written confirmation of the deletion.

Cease any further collection activities until this debt is properly validated.

Failure to comply with these requests will leave me with no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals Office. Additionally, I reserve the right to pursue legal action for damages resulting from your violations of the FCRA and FDCPA.

I expect your written response, including all requested documentation, within 30 days of receiving this letter. Your prompt attention to this matter is appreciated. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation