Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Consolidation Capital
State: WA

Complaint narrative:
| XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Closed ) | XXXX  Only XXXX XXXX  : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Open ) | XXXX  Only | XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Closed ) | XXXX  Only XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Open ) | XXXX  Only | XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | | DEPTOFEDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Closed ) | XXXX  Only | U.S. Department of Education : XXXX XXXX XXXX XXXX XXXX XXXXXXXX | | XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Closed ) | XXXX  Only XXXX U.S. Department of Education XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Closed ) | 2 Match | XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Closed ) | 2 Match | CONSOLIDATION CAPITAL : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX or CONSOLIDATION CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Open - two entries ) | XXXX  Only | XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CARD ( Closed ) | XXXX  Only XXXX XXXX CARD : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Only | XXXX  XXXX  Bank, : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Open ) | XXXX  Only | XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | Subject : Formal Dispute of Incomplete Credit Reporting and Request for Full, Accurate Reporting to All Three Major Credit Bureaus ( FCRA Dispute ) - Accounts : Dear Creditor, As a valued customer with a strong track record of responsible account management, I am writing with the goodwill request that you review and correct a discrepancy in your reporting practices. My goal is simply to ensure that my excellent payment history with your company is fully and accurately reflected across all credit reports, which will benefit both my financial standing and our continued positive relationship. 

Here are the reasons why you should update my credit report as a good will toward myself. 

My credit report indicates that you are either : * Reporting this account to only one credit bureau.

* Reporting this account to two credit bureaus, but not all three. 
Inaccurate/Incomplete Reporting and Legal Obligations Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), once a furnisher of information ( such as your company ) elects to report, you have a continuing duty to provide accurate and complete information to the CRAs. While a company is not legally compelled to report an account, choosing to report to only one or two major credit bureaus, while excluding others, results in an incomplete and thus inaccurate depiction of my creditworthiness across the financial community. This practice denies me the full benefit of my positive credit history and excellent payment record for this specific account, potentially hindering my ability to secure fair credit, housing, or insurance rates based on an incomplete profile. 

As a direct result of your past and ongoing action of selectively choosing which credit reporting agencies receive my positive data, my right to a complete and accurate credit file, as protected under the FCRA, has been violated. This partial reporting actively undermines my overall credit profile, which is a significant factor in accessing financial opportunities. 

Vulnerable Consumer Concerns Furthermore, I am a vulnerable adult with multiple co-morbid diagnoses, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX  These conditions place me in a position where having a complete and accurate credit profile is critical for financial stability and self-sufficiency. Practices that result in an artificially incomplete credit file could be seen as an unfair or deceptive act that takes advantage of my situation. Federal and state consumer protection agencies, such as the Consumer Financial Protection Bureau ( CFPB ) and state XXXX XXXX XXXX XXXX XXXX XXXX, recognize the need to protect vulnerable consumers from financial harm or exploitation. While this is not an allegation of abuse, your practice of partial reporting unnecessarily complicates my financial life and undermines my ability to fully benefit from responsible financial behavior, which disproportionately impacts an individual who is already facing challenges due to chronic conditions and neurodevelopmental differences. 
Demand for Action I request that you do the following within 30 days of your receipt of this letter : * Verify that you have updated your data furnishing procedures to ensure the full and accurate history of the above-referenced account is reported monthly to all three major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX . * Provide me with written confirmation that you have corrected your reporting to all three CRAs. 
If you fail to take the requested action to correct this incomplete reporting, I reserve the right to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursue all available remedies under the FCRA. 

Your failure to comply with consumer laws regarding accurate credit reporting sends a clear message that you do not prioritize your legal obligations or your customers rights. 


When you refuse to correct this inaccuracy consistently across all three major credit bureaus, you make resolution unnecessarily difficult. This inaction suggests an unwillingness to report truthfully and, essentially, implies that you are dismissing my legitimate disputewhich feels like an accusation of fraud directed toward me. 

The absence of consistent reporting to all three bureaus is the same as saying the event never happened. I demand immediate and accurate reporting across all platforms to comply with consumer protection laws or you will be treated as a hostile combative of an company and I will report you. 

If you do not comply you will be band for my credit report forever/ the rest of my life. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response