Consumer complaint received 2026-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX for inaccurate credit reporting and failure to properly validate an alleged debt. XXXX XXXX XXXX is reporting a collection account on my consumer report for an alleged debt originally associated with XXXX XXXX XXXX XXXX XXXX in the amount of {$980.00}. I requested validation of this debt pursuant to the FDCPA and disputed the accuracy of the reporting under the FCRA. The company has failed to provide competent evidence validating : Original signed agreement Chain of assignment Full payment history Itemized accounting of the balance Documentation proving legal ownership of the debt Despite the lack of proper validation, the company continues reporting the account to consumer reporting agencies. This may constitute violations of : FCRA 1681e ( b ) FCRA 1681i FDCPA 1692e FDCPA 1692f FDCPA 1692g I am requesting : 1. Immediate deletion of the collection account from all credit bureaus 2. Investigation into inaccurate reporting XXXX. Written confirmation of deletion I am filing this complaint against XXXX XXXX regarding inaccurate reporting of a charged-off account on my consumer report. The account is reporting inaccurate and inconsistent information, including : Ongoing monthly charge-off reporting Inaccurate balance calculations Inaccurate delinquency reporting Potentially inaccurate date of first delinquency I disputed this account and requested documentation validating the reporting. The company failed to provide sufficient evidence supporting the accuracy of the account. Under the Fair Credit Reporting Act, furnishers are required to report complete and accurate information. Possible violations include : FCRA 1681e ( b ) FCRA 1681i FCRA 1681s-2 ( a ) I request : 1. Immediate correction or deletion of inaccurate information 2. Verification of the balance and payment history 3. Written results of the investigation I am submitting this complaint regarding inaccurate reporting by XXXX XXXX XXXX XXXX The company is reporting a charged-off account with disputed balances, delinquency history, and payment information. I requested verification and documentation supporting : Balance calculations Payment history Date of first delinquency Charge-off status The company failed to provide sufficient documentation verifying the account. This may violate : FCRA 1681e ( b ) FCRA 1681i FCRA 1681s-2 ( a ) I request : 1. Immediate investigation 2. Deletion of unverifiable information 3. Written confirmation of the investigation results I am filing this complaint regarding inaccurate reporting by XXXX XXXX. The company is reporting disputed delinquency history and account status information on my consumer report. I requested validation and verification of : Payment history Account status Balance calculations Delinquency reporting The company failed to provide competent evidence supporting the accuracy of the reporting. This may constitute violations of : FCRA 1681e ( b ) FCRA 1681i I request : 1. Immediate deletion or correction of inaccurate reporting 2. Proper reinvestigation of the disputed account 3. Written confirmation of the results I am filing this complaint against XXXX XXXX XXXX XXXX regarding inaccurate reporting of a charged-off account. The company continues reporting ongoing monthly charge-off activity and inconsistent balance information that I dispute as inaccurate. I requested verification of : Date of first delinquency Balance calculations Charge-off reporting Payment history The company failed to provide sufficient documentation validating the account reporting. Possible violations include : FCRA 1681e ( b ) FCRA 1681i FCRA 1681s-2 ( a ) I request : 1. Immediate deletion or correction of inaccurate information 2. Written proof validating the account 3. Confirmation of investigation results I am filing this complaint regarding inaccurate reporting by XXXX XXXX XXXX XXXX The account contains disputed late payment history, delinquency reporting, and balance information. I requested verification and documentation validating the reporting, but the company failed to provide sufficient evidence supporting the accuracy of the account. This may violate : FCRA 1681e ( b ) FCRA 1681i I request : 1. Immediate investigation 2. Deletion of unverifiable information 3. Written confirmation of the investigation outcome I am filing this complaint against XXXX XXXX regarding inaccurate late payment and settlement reporting. The account contains disputed payment history and settlement reporting that may be incomplete or inaccurate. I requested documentation validating : Late payment reporting Settlement status Delinquency history The company failed to provide sufficient evidence supporting the reporting. Possible violations include : FCRA 1681e ( b ) FCRA 1681i I request : 1. Immediate reinvestigation 2. Deletion or correction of inaccurate information 3. Written confirmation of investigation results I am filing this complaint regarding inaccurate reporting by XXXX. The account reflects disputed late payment history and delinquency reporting that I believe is inaccurate or incomplete. I requested verification and documentation supporting the reporting, but the company failed to adequately validate the account. Possible violations include : FCRA 1681e ( b ) FCRA 1681i I request : 1. Immediate investigation 2. Removal or correction of inaccurate reporting 3. Written confirmation of the outcome

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