Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Opportunity Financial, LLC
State: NJ

Complaint narrative:
Dear Opportunity Financial LLC / XXXX XXXX My name is XXXX XXXX, a federally protected consumer. I am formally disputing the accuracy, completeness, and legality of the below-referenced account reported by OppLoans/XXXX on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2, I request that you initiate an immediate reinvestigation of this tradeline.

Account Type : Unsecured Personal Loan/ installment Creditor : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount Charged Off : {$1500.00} Current Balance : {$1500.00} Account Status : Charged Off, Closed Last Payment Date : XX/XX/XXXX Balance Last Updated : XX/XX/XXXX Status Last Updated : XX/XX/XXXX Terms : XXXX  months Reported as Paid Off : 0 % Basis of the Dispute : XXXX. Inconsistent Status and Balance Updates : The account is marked " Closed '' and " Charged Off '', yet the balance was updated in XX/XX/XXXX, after the reported charge-off in XX/XX/XXXX, which is inconsistent. 

If the account was closed and charged off, there should be no new past-due amounts accruing or balance updates almost a year later. This suggests possible re-aging or improper updating, in violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ).

2. Missing Material Information : The monthly payment amount is missing, which violates the FCRA 's mandate under 1681e ( b ) that all information must be complete and accurate. 

Reporting incomplete data can mislead future lenders and harm my credit profile, and has currently.

3. Re-aging of Debt : The account reflects a last payment date of XX/XX/XXXX, and a status update in XX/XX/XXXX, yet the balance is shown as past due again in XX/XX/XXXX. This implies the creditor is improperly re-aging the debt by making it appear more recent than it is a clear violation of federal credit reporting regulations.

This tactic is specifically discouraged by the Consumer Financial Protection Bureau ( CFPB ) and may violate provisions under the FCRA and FDCPA ( Fair Debt Collection Practices Act ).

4. Failure to Report Payment History Accurately : FCRA 1681s-2 ( a ) ( 1 ) ( B ) requires that furnishers correct and update information that
is incomplete or inaccurate. You are currently in violation of Federal Law.

Your company is reporting late payments and that this account is past due. This is a clear violation of 15 U.S Code 1666b, which states, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late payment for any purpose unless they sent the information in section 1637b, 21 days prior to the due date of payment. Please provide proof that your company provided such information to me. I request that you verify the accuracy of the debt. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and provide evidence that supports the validity of this account on my consumer report while respecting my right to privacy. This means that you need to delete the following account from my consumer credit report until you are able to verify this account belongs to me.

This account needs to be removed from my credit report entirely and permanently for the reporting of inaccurate, incorrect, and inconsistent information to all credit bureaus and debt parking.

Requested Action : Pursuant to FCRA 1681i, I am requesting the following : That your agency initiates a reinvestigation into the accuracy of the OppLoansXXXX account. 

That any inaccurate, incomplete, unverifiable, or outdated information be corrected or removed from my credit file.

Per 15 U.S Code 1681 ( a ) ( 4 ) you have a responsibility to ensure fairness, impartiality, and consumers respect to privacy.

I expect to receive a written summary of the results of your reinvestigation, including the method of verification, within the 30-day timeframe required by law. I expect a prompt response within 14 days as required by the Consumer Financial Protection Bureau. If this account can not be fully verified, it must be removed from my credit report under the FCRA. 
I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals Office if this dispute is not handled in compliance with federal law. 

My request to block is not being made in error and nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. Please provide me with written confirmation of your findings and the actions taken regarding this dispute.

Notice to Furnisher : You are hereby notified of your duty under FCRA 623 to investigate and correct any inaccurate information furnished to consumer reporting agencies. Failure to do so may result in regulatory action or legal liability. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation