Consumer complaint received 2024-06-03 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, XXXX, and XXXX to reinvestigate the two accounts that's below and label as Reginal Acceptance and XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, inaccurate late payment, false reporting with collection and much more is incorrect. According to

15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relatin
g to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case - CREDIT COLLECTION SERVICE IS DAMAGING MY REPORT THIA ACCOUNT IS NOT MINES I DID NOT SIGN ANY DOCUMENTS OR AGREED TO ANY TERMS WITH THIS COMPANY. THIS IS IDENTITY THEFT CREDT COLLECTION SERVIC HAVE NO RIGHTS TO REPORT SUCH INFORMSTION. I REFUSE TO PAY SUCH DEBT. I DO NOT OWE SUCH DEBT THIS IS A VIOLATION UNDER 15USC1692g, 15USC1692b, 15 USC1692e, 15USC1681e ( b ). 

- REGINAL ACCEPTANCE CO. REPOTING FALSE INFORMATION. REPORTING 30 DAY LATE PAYMENT. INACCURATE AND FALSE REPORTING I WAS NEVER LATE THAT IS FALSE INFORMATION AND REPORTING.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation