Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alorica Inc.
State: ME

Complaint narrative:
I am submitting this complaint regarding XXXX, acting as a collection agency for Marcus, for violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and applicable Maine consumer protection laws. I am formally requesting deletion of this tradeline from all consumer reporting agencies as the appropriate statutory remedy. 

XXXX  is furnishing an installment account as Collection or Charge-Off, yet the tradeline is internally inconsistent, incomplete, and legally unverifiable. As reported, the account reflects no documented payment history, no recorded late payments, no past-due amount, no last payment date, no closed date, and conflicting account ratings across reporting periods, including No Data Available and Collection or Charge-Off. 

Despite the absence of any data supporting default or consumer activity, XXXX  continues to update the account with recent date of last activity entries in XXXX and XXXX. There has been no consumer-initiated activity that would justify these updates. This constitutes illegal re-aging in violation of FCRA 605 ( c ) and 623 ( a ) ( 5 ), as it improperly refreshes the derogatory impact of an aged account. 

XXXX has also reported inconsistent balances, verification dates, and status codes across reporting cycles, demonstrating a failure to ensure maximum possible accuracy as required by FCRA 623 ( a ) ( 1 ) ( A ). Information that is contradictory and unsupported by underlying documentation is inaccurate as a matter of law.

Further, by continuing to report this account as a charge-off and collection account while repeatedly updating activity dates and adverse status codes, XXXX is misrepresenting the legal status and collectability of the debt. Under the FDCPA, 15 U.S.C. 1692e, a debt collector may not use false, deceptive, or misleading representations regarding the character, legal status, or collectability of a debt. 

If this account has been charged off, XXXX must be able to demonstrate a lawful basis for continued adverse reporting and any collection activity, including a documented delinquency timeline and a valid Date of First Delinquency. XXXX has failed to provide such documentation despite multiple disputes, evidencing a failure to conduct a reasonable investigation as required by FCRA 623 ( b ).

Under FCRA 611 ( a ) ( 1 ) ( A ), information that can not be verified must be deleted. Under FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ), furnishers and collectors are prohibited from reporting information that is inaccurate, misleading, incomplete, or unsupported by a reasonable investigation. 

Because this tradeline is illegally re-aged, internally inconsistent, unverifiable, and misrepresents the legal status and collectability of the account, I am requesting regulatory review and enforcement action requiring XXXX and Marcus to permanently delete this tradeline from all consumer credit reports pursuant to the FCRA, FDCPA, and Maine XXXX XXXX XXXX.

Company response to consumer: Closed with explanation