Consumer complaint received 2025-09-27 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: January Technologies, Inc
State: CA

Complaint narrative:
Date : XX/XX/year> Via Certified Mail Return Receipt Requested XXXX XXXX XXXX XXXX XXXX, TX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : ( XXXX ) XXXX Re : FCRA 611 ( a ) Reinvestigation & 611 ( a ) ( 7 ) Method of Verification XXXX XXXX Acct # XXXX Dear XXXX  Dispute Department : I dispute the accuracy and completeness of the XXXX  XXXX XXXX referenced above and request a reasonable reinvestigation under FCRA 611 ( a ) and the Method of Verification under FCRA 611 ( a ) ( 7 ).

Items in dispute ( summary ) : Amount discrepancy : {$610.00} reported versus {$560.00} original principal ; requires itemization ( principal/interest/fees/credits/payments ).

Duration/history error : A 6-month installment can not lawfully generate 17 months of derogatory reporting absent improper re-aging or duplicate coding.

Status/date conflicts : Any charge-off/major delinquency dates must align with the true DOFD and Date of Account Information ; no post-closure past due months should be reported.

Required CRA actions : Under FCRA 607 ( b ), maintain maximum possible accuracy.

Under FCRA 611 ( a ), conduct a reasonable reinvestigation and delete unverifiable information.

Under FCRA 611 ( a ) ( 7 ), provide the Method of Verification, including : The XXXX codes and narratives used ; The documents reviewed by the furnisher ; The name/title or department of each person who verified ; The XXXX XXXX reported to Experian.

Under FCRA 623 ( b ), require the furnisher to conduct a reasonable investigation using actual account-level documents, not automated code replies. 

If XXXX can not produce a full agreement + payment ledger + DOFD supporting the amount, status, and timeline, delete the tradeline as unverifiable, or correct it to reflect a XXXX schedule and accurate balance history. While your reinvestigation is pending, ensure the account is coded as in dispute. 

Enclosures : Government ID ; proof of address ; annotated report pages highlighting the XXXX tradeline ; copy of my direct dispute to XXXX. 

Please mail a written response with your MoV within 30 days. 

Sincerely, XXXX XXXX XXXX Date : XX/XX/year> Via Certified Mail Return Receipt Requested XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXXXXXX XXXX XXXX notice only ) XXXX XXXX XXXX XXXX XXXX XXXX  From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : ( XXXX ) XXXX Subject : Direct Dispute & Request for Verification FCRA 623 ; Reg V, 12 C.F.R. 1022.43 Account # XXXX Dear Compliance XXXX : This is a follow-up direct dispute of the Affirm tradeline furnished to the CRAs for Acct # XXXX. Your XX/XX/year> response to my CFPB complaint did not resolve the following : Amount discrepancy : You confirmed a {$560.00} principal, yet CRAs show {$610.00}. Provide a full itemization ( principal, interest, fees, credits, payments ) from origination through charge-off. 

Duration/history error : The loan term was 6 months, but CRAs display 17 months of derogatory history. This suggests re-aging/duplicate history inconsistent with XXXX XXXX XXXX XXXX XXXX and XXXX logic. 

Status/date conflicts : Charge-off/delinquency dates must align with the loan schedule and DOFD, and no post-closure past due months XXXX be reported.

Your duties & my requests : FCRA 623 ( a ) ( 1 ), ( 2 ) : Report with accuracy ; promptly correct/update incomplete data.

FCRA 623 ( b ) : Upon CRA dispute, perform a reasonable investigation and report results to all CRAs.

Reg V ( 12 C.F.R. 1022.43 ) : As a direct dispute, you must investigate using all relevant information and complete within 30 days ( plus 15 only if I provide additional info ).

Requested validation package : Executed agreement or e-consent record and full payment ledger ; Itemization tying the reported {$610.00} to the {$560.00} origination ; XXXX and any charge-off determination records ; Billing statements/communications supporting the reported timeline. 

If you can not fully substantiate amount, status, dates, and history to XXXX XXXX standards, correct the tradeline across XXXX  or delete it as unverifiable. While under investigation, you must report the account as disputed.

Please provide a written response within 30 days describing your findings, documents relied upon, and any corrections transmitted to each CRA. 

Enclosures : Government ID ; proof of address ; annotated credit report pages highlighting the XXXX tradeline ; prior correspondence. 

Sincerely, XXXX XXXX XXXX Date : XX/XX/year> Via Certified Mail Return Receipt Requested January Technologies , Inc. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX Support Email ( reference only ) : XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : ( XXXX ) XXXX Subject : Debt Validation Request & Cease Collection FDCPA, 15 U.S.C. 1692g ( b ) ; Reg F, 12 C.F.R. 1006.34 Alleged XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : I dispute the alleged debt your company is attempting to collect related to XXXX XXXX XXXX XXXXXXXX and request validation. Until you provide full validation, you must cease collection and cease furnishing negative information. 
Provide the following, pursuant to FDCPA 809 ( b ) and Reg F 1006.34 : The name of the creditor on the itemization date and the current creditor ; The itemization of the current amount ( interest, fees, payments, credits ) from the itemization date to present ; A copy of the signed loan agreement or electronic consent ; Proof of your authority to collect ( assignment/chain of title and account-level transfer records ) ; The XXXX reported to any CRA and the Date of Account Information supporting any charge-off or delinquency coding ; Your dispute address and the address for requests for original-creditor information, as required by Reg F.

If you can not validate as required, stop all collection, delete any credit reporting, and confirm closure to me in writing. If you have not yet furnished to any CRA, you are on notice that the account is disputed. 

Please send your response to the address above. 

Enclosures : Government ID ; proof of address ; annotated report pages ( if applicable ). 

Sincerely, XXXX XXXX XXXX

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