Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: PA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX due to their inaccurate, misleading, and unverifiable reporting on my credit reports with XXXX XXXX XXXX XXXX Their reporting contains multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), which require immediate correction or deletion of this account. FCRA Violation Reporting Impossible Future Dates Violation : FCRA 15 U.S.C. 1681i ( a ) ( 5 ) Unverifiable Information Must Be Deleted XXXX is reporting a Balance Date and Status Date of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX reports. This is factually impossible because we are in XXXX, meaning the reported data is unverifiable and must be removed under FCRA law. A credit reporting agency can not maintain data that is demonstrably inaccurate or impossible. FCRA Violation Charge-Off Reporting with an Outstanding Balance Violation : FCRA 15 U.S.C. 1681s-2 ( a ) Furnishers Must Report Accurate Information XXXX XXXX XXXX has charged off this account but is still reporting a past due balance of {$7500.00}. A charge-off means the lender has written off the debt as a loss. If they wrote off {$14000.00}, they should not be reporting an amount due. This is misleading and violates federal law, as a charged-off account should show a {$0.00} balance unless they still own and actively collect the debt FCRA Violation Contradictory Reporting Violation : FCRA 15 U.S.C. 1681e ( b ) Reporting Must Be Consistent & Accurate Experian states that 62 % of this account has been paid off, but a balance is still being reported. How can an account be paid off while still showing a balance due? This contradiction renders the entire account unverifiable and misleading under the FCRA. FDCPA Violation No Proof of Debt Ownership Violation : FDCPA 15 U.S.C. 1692g Debt Validation Requirement XXXX has not provided proof that they still own the debt, yet they continue to report a balance. If XXXX sold this debt to a collection agency, they legally can not report a balance on my credit report. If they can not validate ownership, this account must be deleted immediately. FCRA Violation Failure to Properly Investigate Disputes Violation : FCRA 15 U.S.C. 1681i Duty to Investigate Disputed Information I have contacted XXXX XXXX XXXX multiple times to correct this misinformation, and they have ignored my requests. They have failed to conduct a reasonable investigation into the disputed information, which is a direct violation of FCRA law. Due to the multiple violations listed above, I am requesting the immediate deletion of this XXXX XXXX XXXX XXXX from my credit reports with XXXX, XXXXXXXX XXXX XXXX  The reporting is factually incorrect, inconsistent, and unverifiable, which violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). If XXXX can not verify and correct every single inaccuracy, the only legal option is to delete this account immediately. I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action and require XXXX XXXX XXXX to comply with federal law.

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