Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: CA

Complaint narrative:
b'Tracking Numbers (Certified Mail):XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Dispute Letter Mailed: XXXX XXXX XXXX  am filing this complaint against XXXX  for violating the Fair Credit Reporting Act (FCRA), specificallyXXXX15 U.S.C.  1681e(b)  failure to maintain maximum possible accuracXXXX15 U.S.C.  1681i(a)(5)  failure to delete or correct inaccurate or unverifiable informationXXXXOn XXXX XXXX XXXX I mailed a formal dispute to XXXX  via certified mail (tracking numbers listed above). The dispute letter outlined numerous inaccurate, misleading, and inconsistent tradelines. Some of these accounts are also currently involved in active litigation, which is not being reported  creating a material omission. Supporting documentation, including court summonses, was enclosed.XXXX Disputed Accounts with XXXX XXXX XXXXAccount is subject of active litigation (XXXX XXXX XXXX XXXX XXXX Case No. XXXX reports charged off / $XXXX  balance but fails to include litigation status.XXXXThis omission renders the reporting materially misleading and incomplete under 1681e(b)XXXX XXXX XXXXAlso involved in litigation (Case No. XXXX shows it as charged off without referencing ongoing lawsuitXXXXNo dispute notation is applied despite active case.XXXX XXXX XXXX  (Ending in XXXXStatus shown as Repossession in XXXX reports Collection/Chargeoff  these are mutually exclusive statusesXXXXInconsistency across CRAs = failure to maintain accurate filesXXXX XXXX XXXXDiscrepancy in dispute status, date of first delinquency, and high credit fieldsXXXXDispute status is either missing or resolved inconsistently across CRAsXXXX XXXX XXXX XXXX XXXXCredit limit and charge-off amount do not match those reported by XXXXDispute notations may be missing or inconsistenXXXX XXXX XXXX XXXX XXXX XXXX XXXX Shows Dispute resolved; customer disagreesXXXX: Missing dispute notation altogetherXXXXDispute comments are inconsistent and misleadingXXXXXXXX XXXX (Ending in XXXX reports balance and charge-off, but date last reported differs from XXXX  and XXXXDispute resolved comment added, but terminology is inconsistenXXXX XXXX XXXX XXXXEnding in XXXXStatus: Derogatory, Balance: $XXXXReporting derogatory status after $XXXX  balance raises questions under FCRA.XXXXDispute notation reads: Dispute resolved; customer disagrees, but XXXX  omits this notXXXX XXXX XXXX XXXX  reports high credit = $XXXX, which is inaccurate since credit limit is $XXXXDispute notation is not visible; reporting appears incompleteXXXX XXXX (Ending in XXXX shows $XXXX  past due; XXXX shows $XXXX  past due.XXXX reports high credit of $XXXX, which contradicts real account behavior.XXXXPOSSIBLEFINA (Ending in XXXXStatus charged off but with $XXXX  balancXXXXNo indication of whether balance is collectible, paid, or soldXXXX XXXX XXXX XXXXStatus: Paid but tradeline still negatively impacts credit reportXXXXClosure reason not clearly reported.XXXX  Summary of ViolationsXXXXFailure to report account in litigation for XXXX  and XXXXInconsistent or contradictory information across CRAs on balance, status, and dateXXXXFailure to mark accounts as disputed during ongoing disputesXXXXNo supporting documentation has been provided in response to mailed disputeXXXXNo reinvestigation results have been sent as required by 1681i(a)'

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation