Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
Company : XXXX XXXX XXXX XXXX Account Type : Credit Card Opened : XX/XX/XXXX Closed : XX/XX/XXXX I am submitting this complaint against The Bank XXXX Missouri concerning the inaccurate and unverifiable reporting of multiple late payments on a closed credit card account. After voluntarily closing the account in good standing on XX/XX/XXXX, I discovered that my credit report now reflects XXXX XXXX late payments and XXXX XXXX late paymentnone of which were ever disclosed to me prior to being reported. 

This reporting occurred only after the account was closed, and I received no communicationno statements, no late notices, no phone calls, and no emailsinforming me of any missed or overdue payment at the time they were allegedly due. 

Between XX/XX/XXXX and XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX several times to dispute this reporting and to request documentation. During this process, I was misled, stonewalled, and denied my legal rights under the Fair Credit Reporting Act ( FCRA 609, 611 ). Specifically : I was given a non-working and fraudulent-sounding email address ( " XXXX '' ) which bounced back and is not associated with the CFPB or any verified correspondence system. 

I was given invalid or non-functional fax numbers and redirected to lines that had no voicemail or would disconnect automatically. 

I was told directly by multiple agents that " we dont accept disputes for closed accounts '', which is a clear violation of my rights under the FCRA XXXX 

When I asked to escalate the matter to a supervisor or manager, I was told no one is available, and at one point a representative said flatly, We dont escalate disputes. Youve already been told we reported it accurately. 

On a call dated XX/XX/XXXX, I was told by a representative named XXXX that The Bank XXXX Missouri is under no legal obligation to provide billing statements or payment records after account closure, and that any disputes must go through the credit bureaus. She then reiterated that the reporting is accurate and the account would not be reviewed or corrected internally. 

These responses are not only factually and legally incorrect, but they represent a coordinated effort to mislead and defer a consumer from pursuing a valid dispute. This treatment reflects a willful disregard for dispute handling obligations, and a failure to conduct a good faith investigation as required by FCRA 611. 

I closed this account not because of any default or delinquency, but because I no longer trusted the integrity of this lenders practices. I made timely payments and had no knowledge of any delinquency until I saw it reflected in my credit reportafter closure. I believe the negative reporting was retaliatory and knowingly false. 

I am formally requesting : A full investigation and deletion of this tradeline from all credit reporting agencies OR Correction of the tradeline, including full removal of all inaccurate late payments and an accurate representation of the accounts payment history Additionally, under FCRA 609, I have requested and expect the following documentation : Full transaction and payment history from account opening to closure Payment due dates, amounts due, amounts paid, and payment receipt dates Any late fees or delinquency justifications, with dates and policy references Copies of billing statements and notifications prior to reporting Internal customer service call notes or logs from XX/XX/XXXX XX/XX/XXXX Policies governing the furnishing of data on closed accounts If XXXX XXXX XXXX XXXX  can not produce documentation supporting the reported information, the tradeline must be removed in accordance with the FCRA. 

Should this issue remain unresolved, I am prepared to escalate this matter to the California Department of Financial Protection and Innovation ( DFPI ), the Attorney General, and pursue legal remedies under the FCRA and any applicable state laws. This conduct has also been reported to the Better Business Bureau ( BBB ) and will be followed up with formal legal action if necessary.

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