Loading Scampede…
Their investigation did not fix an error on your report. I recently reviewed my credit report and found several serious inaccuracies regarding the XXXX XXXX XXXX account ( Account Number : XXXX ). The information provided is inconsistent and shows repeated re-aging of the charge-off status, which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ) ( 4 ), which limits the reporting of charge-offs to seven years from the date of the first delinquency. Specific issues include : The account is reported as charged off continuously over multiple years, from XXXX to XXXX, with inconsistent balance and status updates. The status update date is listed as XX/XX/XXXX, but the balance was updated as recently as XX/XX/XXXX, suggesting ongoing activity or