Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: CA

Complaint narrative:
Complaint Regarding Unverified, Incomplete, and Inaccurate Credit Reporting in Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am filing this complaint regarding an inaccurately reported account on my credit file. The account is being reported by [ Credit Bureau Name ] and involves a charged-off account that was sold to Crown Asset Management LLC . The information is incomplete, unverifiable, and in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ).

Below is the exact information appearing on my credit report : Account Number : XXXX Account Type : Installment Unsecured Account Status : Charge-off / Transferred or Sold Balance : {$0.00} Date Opened : XX/XX/year> Date of First Delinquency : XXXX XXXX XXXX  Months Reviewed : 33 Sold To : Crown Asset Management LLC Original Creditor Name : Not reported Activity Designator : TRANSFER_OR_SOLD 1. The Account Is Incomplete and Unverifiable The credit bureau is reporting a charge-off with no original creditor name, which violates the requirement for complete and accurate reporting under : FCRA 1681s-2 ( a ) Duty to report accurate and complete information FCRA 1681e ( b ) Duty to maintain maximum possible accuracy FCRA 1681i ( a ) Duty to conduct reinvestigations Without the original creditors information, there is no way to verify ownership, origin, balance, terms, or contract.

This makes the tradeline incomplete, misleading, and therefore non-compliant.

2. The Account Was Sold and Can not Be Properly Verified The account is listed as TRANSFERRED OR SOLD with a {$0.00} balance.

This means the original creditor no longer owns the debt and frequently does not retain original documentation, such as : Signed agreements Original application Transactional records Payment history Proof of my authorization Under FCRA 1681i, if the information can not be verified with actual source documents, it must be removed.

Automated data files are not sufficient for verification.

3. The Date of First Delinquency ( DOFD ) Appears Inaccurate or Unsupported The DOFD is reported as XX/XX/year>. 
Because the account was opened in XX/XX/year>, this suggests an early delinquency that must be supported with documentation. 

The furnisher has provided no proof that this is correct. Under FCRA 1681c, incorrect DOFD reporting must be corrected or deleted. 4. My Personal Information Was Exposed in a Data Breach My identity and personal data were compromised in a recent data breach. Therefore, this account may involve : Unauthorized
usage Compromised identity Misapplied information Under FCRA 1681c-2, any information derived from identity theft or unauthorized use must be blocked unless verified with original documentation.

To date, no such verification has been provided.

5. I Requested Verification and None Was Provided I previously disputed this tradeline and requested : Signed contract Original application Proof I opened the account Documentation supporting DOFD Proof of furnishing accuracy None of this has been provided by the bureau or the furnisher.

This is a violation of : FCRA 1681i ( a ) FCRA 1681s-2 ( b ) ( duty of furnishers to investigate disputes ) Requested CFPB Actions I request that the CFPB require : The credit bureau to obtain full, original documentation from the original creditor.

The furnisher ( Crown Asset Manage

Company response to consumer: Closed with explanation