Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Texas Guaranteed
State: LA

Complaint narrative:
I am filing this complaint regarding multiple inaccurate, unverified, and potentially unlawfully reported accounts that continue to appear on my credit reports with XXXX XXXX, and XXXX. I have submitted formal disputes under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), but these accounts remain unresolved and continue to damage my credit standing.

The following accounts were disputed in writing and through the credit bureaus, with no proper verification or correction provided : XXXX XXXX XXXX XXXX ( Acct # XXXX ) Conflicting balances reported : {$1200.00} ( collector ) vs. {$1400.00} ( XXXX  ). 

Unverified ownership ; no signed agreement provided. 

Opened XX/XX/XXXX ; still active on XXXX. 

Successfully removed from XXXX due to lack of verification. 

Violates FCRA 1681e ( b ), 1681i and FDCPA 1692g. 

XXXX. XXXX XXXX ( Acct # XXXX ) Collection lacks contract, billing history, or itemized breakdown.

Disputed under FCRA 1681b and 1681i. No verification received. 

XXXX XXXX ( Acct # XXXX ) Alleged utility collection with no documentation or signed agreement.

Requested deletion due to lack of verification per FCRA 1681e ( b ). 

XXXX XXXX Trellis Company ( Acct # XXXX ) Three student loan tradelines reported separately and inaccurately.

No promissory notes or disbursement breakdowns provided.

No response after written dispute and faxed validation request.

Violates FCRA 1681i, FERPA, and Higher Education Act protections. 

XXXX XXXX XXXX XXXX XXXX  ( Acct # XXXX ) Duplicate status reporting from one creditor, showing both charge-off and active statuses.

Misleading and inaccurate, violating FCRA 1681e ( b ). 

XXXX XXXX XXXXXXXX XXXX ( Acct # XXXX ) Two accounts still showing as charge-offs despite being discharged in bankruptcy.

Must reflect {$0.00} balance and included in bankruptcy status per FCRA 1681c. 

XXXX  XXXX Bankruptcy Dispute ( Filed XX/XX/XXXX U.S. Bankruptcy Court, XXXX, IL ) The court does not report to any credit bureau.

Bankruptcy data was obtained from third-party vendors ( e.g., XXXX ), not an original source.

Under FCRA 1681e ( b ) and 1681i, data must be accurate and verifiable.

Requested deletion due to unverifiable source, lack of court furnishing relationship, and outdated/injurious reporting.

In addition, I submitted a formal demand under FCRA 1681g ( a ) for full file disclosure, including inquiries and third-party access. I also asserted my rights under the Gramm-Leach-Bliley Act ( GLBA ) to limit sharing of my non-public information and revoke consent for any electronic or phone contact. I requested that all future communication be conducted by certified mail only, as allowed under FDCPA 1692c ( c ).

Some of these accounts were successfully removed from XXXX but remain on my other reports, proving the furnishers could not verify them. None of the CRAs or collectors provided a clear method of verification or original documentation as required under law.

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