Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kinum, Inc., Indianapolis, IN Branch
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  CO XXXX XXXX [ XXXX Date : XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Illegal, Inaccurate, and Unverified Credit Reporting by Collection Agency Dear CFPB Representative, I am submitting this complaint because a collection agency, kinum inc, is engaging in illegal and deceptive credit reporting practices that violate multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my written disputes and requests for verification, the company continues to report unverified and false information to XXXX, causing ongoing harm to my credit standing. 

Summary of Illegal Conduct : 1. Unverified Debt : The agency has failed to provide any lawful verification of the alleged debt as required under FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ). I made a formal written request for debt validation, yet they continue reporting without furnishing evidence of the original creditor, balance, or contractual obligation. Continuing to report or collect on an unverified debt is illegal under federal law. 
2. False Monthly Late Reporting : The company is reporting monthly late payments on a collection account, which is factually incorrect. Once an account is charged off or placed in collections, it can not accrue new late payments. This constitutes false furnishing of information in violation of FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) and FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which require maximum possible accuracy in reporting.

3. Manipulated Date of First Delinquency ( DOFD ) : The DOFD is being reported inaccurately, unlawfully extending the time the account remains on my credit report. This violates FCRA 605 ( c ) ( 1 ) ( 15 U.S.C. 1681c ( c ) ( 1 ) ) and amounts to illegal re-aging of debta known deceptive practice that misleads both consumers and credit scoring systems.

4. Failure to Investigate and Correct : Despite my dispute, the agency and XXXX failed to conduct a lawful reinvestigation as required under FCRA 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) and FCRA 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ). Continuing to furnish disputed, inaccurate data without investigation or correction is willful noncompliance.

5. Deceptive and Misleading Representation : The agencys ongoing reporting of false, disputed information also violates FDCPA 807 ( 8 ) and 807 ( 10 ) ( 15 U.S.C. 1692e ( 8 ), ( 10 ) ), which prohibit communicating false credit information and using deceptive means in connection with a debt.

These acts constitute illegal conduct under the FCRA and FDCPA, as the agency is knowingly furnishing false, unverified, and misleading information that damages my credit reputation.

Requested Action : I respectfully request that the CFPB : Investigate the company for violations of the FCRA and FDCPA ; Compel the agency to immediately cease all illegal credit reporting activity ; Require full verification or deletion of the account ; and Mandate correction of all inaccurate information with XXXX

Supporting Documents Attached XXXX XXXX credit report showing false monthly late entries ; My written validation request and dispute correspondence ; Proof of identity and address.

I appreciate your attention to this matter and request confirmation that this illegal reporting will be investigated and corrected promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation