Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
: I am submitting this complaint personally regarding my account with Regional Acceptance Corporation. A prior complaint was dismissed after the company claimed there was an unauthorized third party. I am now submitting this complaint directly and fully authorize this investigation. Failure to Respond to Direct Dispute : On XX/XX/XXXX, I submitted a direct dispute to Regional Acceptance Corporation via certified mail. Delivery was confirmed. The company failed to respond within the required 30-day period under FCRA 623 ( a ) ( 8 ). Inaccurate and Inconsistent Reporting : The account is being reported with multiple inconsistencies across credit bureaus : Experian reports a last payment date of XX/XX/XXXX TransUnion reports a last payment date of XX/XX/XXXX I did not make a payment on XX/XX/XXXX This indicates inaccurate and inconsistent reporting. The account also contains mathematically inconsistent balances : Original balance : {$22000.00} Charged-off amount : {$13000.00} Past due amount ( XX/XX/XXXX ) : {$16000.00} These figures do not logically reconcile and raise serious concerns regarding accuracy under FCRA 1681e ( b ). Failure to Conduct a Reasonable Investigation : I previously disputed this account with the credit reporting agencies. The account was marked as verified, however no documentation was provided explaining how the information was verified. I also requested the method of verification pursuant to FCRA 611 ( a ) ( 7 ), and no response or documentation was provided. This indicates that a reasonable investigation was not conducted as required under FCRA 611 ( a ). Additionally, Regional Acceptance continues to furnish disputed information without providing supporting documentation, which may constitute a violation of FCRA 623 ( a ) ( 1 ) and 623 ( a ) ( 8 ). Pattern of Stalling and Evasion : Regional Acceptance has demonstrated a pattern of avoiding investigation rather than addressing the substance of the dispute. The company failed to respond to a direct dispute within the required timeframe The company avoided addressing a prior CFPB complaint by claiming an unauthorized third party instead of investigating The company has continued reporting disputed information without providing documentation or verification This pattern suggests procedural stalling and failure to comply with the intent of the Fair Credit Reporting Act, which requires timely and reasonable investigations of disputed information. Additional Reporting Concerns ( Metro 2 Compliance ) : This account appears to be reported inconsistently in relation to Metro 2 credit reporting standards. Conflicting last payment/activity dates across bureaus Continued updates suggesting ongoing activity despite charge-off No clear or consistent Date of First Delinquency ( DOFD ) Status, balance, and payment history changing without explanation Under Metro 2 guidelines , once an account is charged off, reporting must not create the appearance of renewed activity or misrepresent delinquency timelines. Any inaccurate updates may result in improper re-aging. These inconsistencies raise concerns under FCRA 1681e ( b ) and 623 ( a ) ( 1 ). I am requesting that Regional Acceptance explain : The Date of First Delinquency ( DOFD ) The basis for any updates to last payment or activity dates Whether reporting changes have caused the account to appear more recent than it is I am requesting the following : 1.A full and reasonable investigation of this account 2.Documentation showing how the balance, past due amount, and charge-off amount were calculated 3.The original contract or agreement bearing my signature 4.A complete payment history and accounting ledger from account opening through charge-off 5.Documentation showing how the investigation was conducted and who verified the account If Regional Acceptance can not provide documentation demonstrating the accuracy of this account, it must be deleted from all credit reporting agencies immediately. Continued reporting of inaccurate or unverifiable information after this complaint may constitute willful noncompliance with the Fair Credit Reporting Act. Given the documented inconsistencies, failure to respond to my direct dispute, and failure to provide documentation supporting verification, I am requesting deletion of this account. If Regional Acceptance claims the account is accurate, it must provide complete documentation proving the accuracy of all reported dates, balances, payment history, charge-off figures, DOFD, and account status.

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