Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DreamSpring
State: NV

Complaint narrative:
I discovered material FCRA violations on account ending in XXXX across all three credit bureaus showing systematic furnishing failures by the creditor. 

VIOLATION XXXX - ILLEGAL RE-AGING : The account shows a Date Last Active of XX/XX/XXXX, yet the creditor continued furnishing updates to TransUnion as recently as XX/XX/XXXX - XXXX months after the account became inactive. This constitutes illegal re-aging that artificially extends the seven-year reporting period and violates 15 USC 1681s-2 ( a ) ( 1 ) ( A ).

VIOLATION 2 - MATERIAL INCONSISTENCIES IN HIGH CREDIT : TransUnion reports high credit of {$21000.00}. XXXX  reports high credit of {$21000.00}. XXXX  reports high credit of {$19000.00}. A {$2000.00} discrepancy is material and affects credit utilization calculations. The creditor can not be reporting accurately to all three bureaus when the amounts differ by over {$2000.00}. 

VIOLATION XXXX - INCONSISTENT DATE OPENED : XXXX  shows the account opened XX/XX/XXXX. Both XXXX  and XXXX  show XX/XX/XXXX. These dates can not both be accurate. Inconsistent dates affect credit age calculations and scoring. 

VIOLATION XXXX - CONTRADICTORY PAYMENT HISTORIES : XXXX  reports a XXXX delinquency for XX/XX/XXXX and a XXXX delinquency for XX/XX/XXXX. XXXX  reports the account as current with " OK '' status for these exact same months. These payment histories directly contradict each other. At least XXXX bureau is reporting completely false information, yet the creditor furnished both versions. 

VIOLATION XXXX - INCONSISTENT DATES OF LAST PAYMENT : All three bureaus show different " Last Reported '' dates : XXXX  shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX, and XXXX shows XX/XX/XXXX. The creditor 's failure to furnish consistent data demonstrates systematic reporting failures. 

ADDITIONAL CONCERN : My credit file contains XXXX confirmed data breach notifications. Given the multiple inconsistencies on this account, I have reason to believe this tradeline may be connected to identity theft or fraudulent reporting. 

ACTIONS TAKEN : I have disputed these inconsistencies with all three credit bureaus. I am filing this complaint because the creditor has violated their duty under FCRA Section 1681s-2 ( a ) to furnish accurate information. The multiple contradictions prove they are not maintaining reasonable procedures to assure accuracy. 

RESOLUTION REQUESTED : The creditor must either provide documentation proving which data is accurate and correct all errors across all three bureaus, or delete this tradeline entirely. Given the magnitude of inconsistencies, deletion is the appropriate remedy. The creditor should immediately cease furnishing on this account until they can verify accurate information. 

These violations have damaged my credit score and ability to obtain credit. I request immediate investigation under FCRA Section 1681s-2 ( b ) and correction or deletion within XXXX  days as required by law.

Company response to consumer: Closed with explanation