Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FactorTrust, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XX/XX/XXXX Re : Dispute of Inaccurate Information in Consumer Report To Whom It May Concern : I am writing this letter pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to dispute inaccurate information that appears in my consumer report provided by XXXX XXXX XXXX XXXX. 
Upon review of my consumer report, I have identified the following information that is inaccurate, incomplete, or unverifiable : 1. Personal Information Discrepancies : Incorrect name information : XXXX XXXX XXXX and XXXX XXXX Incorrect date of birth ( XXXX ) : XX/XX/XXXX and XX/XX/XXXX Incorrect account number : XXXX LA XXXX. Address Information Discrepancies : The following addresses are incorrectly associated with my identity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX, LA XXXX ( XXXX XXXX address ) XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX, LA XXXX ( XXXX XXXX address ) XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX. Telephone Number Discrepancies : The following telephone numbers are incorrectly associated with my identity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Employment Information Discrepancies : The following employers are incorrectly associated with my identity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Income Information Discrepancies : The following income information is incorrect : {$2100.00} ( XX/XX/XXXX ) {$2200.00} ( XXXX ) {$2300.00} ( XXXX ) {$2300.00} ( XX/XX/XXXX ) {$2500.00} ( XX/XX/XXXX ) {$3500.00} ( XXXX ) {$3800.00} ( XXXX ) {$4100.00} ( XXXX ) {$4500.00} ( XXXX ) {$5000.00} ( XXXX ) {$5500.00} ( XXXX ) XXXX. Pay Frequency Discrepancies : The following pay frequency information is incorrect : BIWEEKLY ( First Rep : XX/XX/XXXX ) MONTHLY ( First Rep : XX/XX/XXXX ) SEMIMONTHLY ( First Rep : XX/XX/XXXX ) WEEKLY ( First Rep : XX/XX/XXXX ) XXXX. Paycheck Date Discrepancies : The following paycheck dates are incorrect : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Under the FCRA, specifically Section 611 [ 15 U.S.C. 1681i ], you are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file within 30 days of receiving this dispute.

Furthermore, I invoke my rights under Section 623 of the FCRA [ 15 U.S.C. 1681s-2 ], which prohibits furnishers of information to consumer reporting agencies from providing inaccurate information.

Please be advised that I am a resident of L
ouisiana, and I am familiar with Louisianas laws regarding security freezes. As per Louisiana law, I understand that even with a security freeze in place, certain entities may still access my consumer report for permissible purposes. However, this does not diminish your responsibility to maintain accurate information in my file as required by the FCRA.

Additionally,

Company response to consumer: Closed with explanation