Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Tilt Finance, Inc.
State: NY

Complaint narrative:
I am submitting this complaint to dispute materially inaccurate and inconsistent reporting by Empower FinanceXXXXXXXX XXXX regarding a line of credit account that has appeared on my credit reports with all three major credit reporting agencies ( XXXX XXXX XXXX XXXX  ) XXXX Despite my prior disputes and efforts to resolve the issue directly with the creditor, these inaccuracies remain unresolved and violate the Fair Credit Reporting Act ( FCRA ). 

1. Premature Charge-Off in Violation of Federal Standards Empower/FinWise charged off my account approximately 90 days after my last payment, significantly earlier than the standard 180-day delinquency period generally required for open-end credit accounts under OCC Bulletin 2000-20 and FDIC Uniform Retail Credit Classification and Account Management Policy. According to these federal banking guidelines, open-end accounts must not be charged off before 180 days of delinquency unless specific exceptions applywhich do not in this case. This premature charge-off negatively impacted my credit profile and caused unwarranted harm. 

My last payment of {$130.00} was made on XX/XX/XXXX, which Empower acknowledges. 
The account was marked as charged off in XX/XX/XXXX, only ~120 days after that payment. 
No justification has been provided for bypassing the 180-day charge-off guideline. 
XXXX. Inconsistent and Conflicting Information Across Credit Bureaus Empower/FinWise XXXX XXXX materially different account information to each credit reporting agency , in clear violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to provide accurate and consistent information.

Summary of Conflicts : Last Payment Date XXXX XXXX  and XXXX list my last payment as XX/XX/XXXX. 
XXXX omits this date entirely, creating an extended delinquency period. 
Charge-Off Timeline : XXXX  lists the account as charged off in XX/XX/XXXX, closed and marked Paid in Full / Transferred to Recovery. 
Experian marks it as charged off across multiple months ( XXXX XXXX ). 
Equifax shows a charged off status but indicates a balance update as late as XX/XX/XXXX, giving the appearance of recent delinquency activity when there was none. 
Current Balance : XXXX  and XXXX report an outstanding balance of {$330.00}. 
TransUnion, however, marks the account as paid in full. 
These inconsistencies not only confuse the timeline of events but also result in a misleading presentation of my creditworthiness. The reporting is neither complete nor accurate, as required under FCRA 1681e ( b ).

3. Misleading Reporting Timeline and Extended Harm The account shows as updated on XX/XX/XXXX, despite the last activity being in XX/XX/XXXX and the charge-off occurring by XX/XX/XXXX. This gives a false impression that recent activity or continued delinquency occurred, which further depresses my credit score. The FCRA requires that data reported to consumer reporting agencies must not only be accurate but not misleading.

4. Failure to Correct After Disputes FCRA 1681s-2 ( b ) I have disputed this account multiple times, and the furnisher has responded by verifying the information without correcting these documented discrepancies. This suggests a failure to properly investigate or to reconcile inconsistent data being reported across bureaus, which violates their duties under FCRA 1681s-2 ( b ).

Company response to consumer: Closed with explanation