Consumer complaint received 2025-12-01 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: Family Choice Financial, Inc.
State: MS

Complaint narrative:
# * * CFPB COMPLAINT LETTER ( Use This Exactly ) * * * * Subject : * * Illegal Collection Threats, Inaccurate Reporting, Harassment, and FCRA/FDCPA Violations by Family Choice ( or company name ) * * To the Consumer Financial Protection Bureau , * * I am filing a complaint against * Family Choice * ( or the companys full legal name ) for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

This company has reported inaccurate information to the credit bureaus, caused my credit score to drop over XXXX points, and repeatedly threatened illegal actions against me, including filing a lien on my home for a balance of only XXXX XXXX {$180.00} XXXX XXXX  I have recordings of the manager making these threats and contacting me repeatedly. 

-- - # * * 1. THREATENING TO FILE A LIEN ON MY HOME ( ILLEGAL ) * * The company threatened to place a lien on my home for a {$180.00} balance. 
This is not legally possible without : * Filing a lawsuit * Winning a judgment * Recording the judgment in the county No such legal action exists.

This is a direct violation of : * * * FDCPA 807 ( 4 ) : False Threat of Legal Action * * * * * FDCPA 807 ( 5 ) : Threatening an Action They Can not Legally Take * * I have * * recorded phone calls * * in which the manager stated this.

-- - # * * 2. HARASSING PHONE CALLS * * The manager has called me repeatedly, even after I disputed the account.

This is harassment under : * * * FDCPA 806 Harassment or Abuse * * I have recordings.

-- - # * * 3. INACCURATE AND INCONSISTENT REPORTING * * The company reported the account incorrectly on my credit report.

I have disputed this twice.

Instead of correcting the information, they * * updated new negative information * *, which caused my credit score to drop over XXXX XXXX  XXXX points XXXX XXXX 

This violates : * * * FCRA 623 ( a ) ( 1 ) ( A ) : Reporting Information with Actual Knowledge of Errors * * * * * FCRA 611 ( a ) ( 1 ) ( A ) : Failure to Conduct a Reasonable Investigation * * * * * FCRA 623 ( b ) : Failure to Correct After Dispute * * The reporting is still inaccurate.

-- - # * * 4. RETALIATORY NEGATIVE REPORTING AFTER DISPUTE * * After I disputed the account, the company added * more * negative information to my credit report, which was * * not * * there before.

The account was previously reporting as positive/current for years.

Only after I disputed did the company : * Add new derogatory payment history * Update negative status * Cause a major score drop This appears retaliatory and violates : * * * FCRA 623 ( a ) ( 3 ) : Duty to Not Furnish Information After Notice of Dispute * * * * * FCRA 623 ( b ) : Duty to Reinvestigate and Correct * * -- - # * * 5. REQUEST FOR INVESTIGATION AND RELIEF * * I am requesting that the CFPB : 1. Investigate the companys illegal collection threats 2. Review their inaccurate and harmful reporting 3. Require the company to remove or correct this tradeline 4. Stop the harassment and illegal statements 5. Hold the company accountable for FCRA and FDCPA violations I will provide all * * recorded phone calls * *, written communication, and credit report documentation to support this complaint.

Thank you for your assistance. 

* * Sincerely, * * XXXX XXXX XXXX

Company response to consumer: Closed with explanation