Consumer complaint received 2024-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Mercury Financial Intermediate LLC
State: MA

Complaint narrative:
I am writing to formally dispute several inaccuracies in the information your company has reported to the credit bureaus regarding my credit account. The account in question is listed under the name XXXX XXXX with XXXX XXXX XXXX  mercury the account number XXXX. The following details are inaccurate : 1. Date Account Was Opened : 2. High Credit Balance : 3. Date Last Reported : 4. Date of Last Activity : 5. Date of Last Payment : The date of last payment reported is [ Reported Date ].

According to my records. 6. Payment History : The payment history across all three major credit bureaus is incorrect. 7. Charge-Off Reporting : The charge-off status reported on this account does not align with my records. Under 15 USC 1681 c ( a ) ( 4 ), charge-offs must be reported accuratelv and should not appear on my credit report bevond seven years from the date of the charge-off. 
Moreover, listing multiple charge-offs on my credit report can improperlv extend the statute of limitations for reporting purposes, which adversely impacts my credit score and prolongs the negative effects on my credit profile.

Inconsistency Across Credit Bureaus : If the same information is being reported by vour company to all three major credit bureaus, it should be consistent across all reports. Discrepancies in the information reported to each bureau raise concerns about the accuracv and reliabilitv of the limitations for reporting purposes, which adversely impacts my credit score and prolongs the negative effects on my credit profile.

Inconsistency Across Credit Bureaus : If the same information is being reported by your company to all three major credit bureaus, it should be consistent across all reports. Discrepancies in the information reported to each bureau raise concerns about the accuracy and reliability of the data furnished. According to FCRA guidelines, the information provided by a data furnisher must be accurate and consistent across all credit reporting agencies. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 i, 1 am entitled to dispute inaccurate information on my credit report and request that it be corrected.

Additionally, 15 USC 1666b requires that creditors and information furnishers ensure the accuracy and completeness of the information they provide to credit reporting agencies.

Furthermore, 15 USC 1681c-2 ( Section 605B ) requires that any information related to fraudulent accounts must be removed if it is proven to be the result of identity theft. I request that you conduct a thorough review of the disputed information and delete these inaccuracies.

Additionally, please provide me with written confirmation once the corrections have been made and notify the credit bureaus to update their records accordingly. Please respond within 30 days as required under the FCRA. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation