Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
I am disputing the CreditFreshXXXXXXXX XXXX  tradeline reporting on my XXXX  credit file. This account does not appear on XXXX  or XXXX, which raises concerns about incomplete, inconsistent, and unreliable furnishing in violation of the Fair Credit Reporting Act ( FCRA ) and indicates that the information may not meet the FCRA standard of maximum possible accuracy ( FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) ). 

XXXX. Inconsistent & Unverifiable Reporting Across CRAs The CreditFresh tradeline appears only with XXXX, even though negative furnished information must be reported accurately and consistently. The absence of the tradeline from XXXX  and XXXX  suggests that other CRAs found the information unverified or unverifiable during reinvestigation, or that CreditFresh is not furnishing accurately or uniformly. Furnishing incomplete information violates FCRA 623 ( a ) ( 1 ) ( A ) ( furnishers must provide accurate, complete information ) and 607 ( b ).

2. CreditFresh Claim of Validation Is Not Supported by Evidence Provided CreditFresh stated they sent validation in XXXX, but the CFPB investigation revealed no proof that I received that notice, nor did they produce itemized transaction detail at the time of dispute. The packet they mailed in XX/XX/XXXX appears to be reconstructed from internal records and does not satisfy the requirement for contemporaneous validation at the time of default nor the requirement to validate upon consumer dispute under FCRA 611. 

XXXX. Proper Validation Has Not Been Provided Under FCRA or FDCPA Standards When I disputed the tradeline with XXXX, CreditFresh failed to supply : proof of ownership at time of reporting the complete chain of title to XXXX XXXX XXXX XXXX ( purchaser ) legally required itemization of principal, interest, fees, and additions documentation supporting all balance reporting details confirming why XXXX  and XXXX  do not show the tradeline This violates : FCRA 611 ( 15 U.S.C. 1681i ) failure to reasonably reinvestigate upon dispute FCRA 623 ( a ) ( 1 ), ( a ) ( 2 ), ( a ) ( 3 ), ( b ) duties of furnishers to only report verified information FCRA 607 ( b ) requirement of maximum possible accuracy FCRA 609 ( a ) right to documentation related to accounts being reported FDCPA 809 ( b ), 15 U.S.C. 1692g ( b ) can not continue collection/reporting without validation ( applies because CreditFresh continued furnishing derogatory data during active disputes ) 4. Failure to Provide Chain of Custody / Ownership Documentation CreditFreshs letter acknowledges they sold the account to XXXX XXXX XXXX XXXX on XX/XX/XXXX. However, no chain-of-title documents were produced establishing : transfer from XXXX CreditFresh purchaser authority to furnish after sale accuracy of the charged-off balance to XXXX  whether the debt was modified , settled, or updated by the purchaser A furnisher can not legally report a tradeline once ownership is transferred unless they can verify the accuracy of the information being furnished. Failure to provide chain-of-title is a violation of FCRA 623 ( b ) and 611. 

XXXX. Reporting a Charged-Off Account Without Proper Verification XXXX  shows a charged-off status and balance. CreditFresh claims this reporting is accurate, but failed to provide : why the charge-off amount increased above principal why XXXX do not show any record what specific information was verified by XXXX  how the validation they claim was sent in XXXX satisfies FCRA requirements This is a violation of : FCRA 1681e ( b ) maximum possible accuracy FCRA 1681i reinvestigation requirements FCRA 623 ( a ) ( 1 ) ( A ) furnishing incomplete or inaccurate information 6. The Furnisher Failed to Provide Required Documentation During My XXXX Disputes I disputed the CreditFresh tradeline multiple times in XXXX. 
Each time, the tradeline was marked verified without documentation. 
Under : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) furnishers must disclose the method of verification 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) reinvestigation must be reasonable 15 U.S.C. 1681s-2 ( b ) furnisher must investigate disputes and report results CreditFresh did not meet these requirements.

7. Because CreditFresh Sold the Debt, They May No Longer Have Authority to Furnish A company that sells a debt typically can not continue reporting unless they can : verify all information being furnished prove ownership at the time of reporting prove accuracy of all balances and statuses Because CreditFresh relinquished all rights to the account in XX/XX/XXXX, their continued furnishing creates FCRA liability under 623 ( a ) ( 1 ) and 623 ( a ) ( 2 ).

Company response to consumer: Closed with explanation