Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11770896

Complaint Overview

Complaint ID: 11770896

Company: Regional Management Corporation

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a company's investigation into an existing problem

Sub-Issue: Their investigation did not fix an error on your report

State: Florida

ZIP Code: 346XX

Date Received: 2025-01-24T12:00:00-05:00

Date Sent to Company: 2025-01-24T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX XXXX XXXX XXXX Subject : Dispute of Civil Liability under 15 U.S.C. 16810 for Non-Compliance I am writing to formally dispute the claim of civil liability for non-compliance, as referenced in your communication dated [ insert date of claim ]. You have indicated that I may be in violation of **15 U.S.C. 16810** ( Fair Credit Reporting Act ), and I wish to address this claim with the following points : 1. **I Have Fully Complied with FCRA Reporting Obligations : ** - I have ensured that all information provided to the credit reporting agencies is accurate and up-to-date. Specifically, I have reviewed my credit report regularly and addressed any discrepancies immediately. As per the FCRA, I have made sure that all updates to my credit report have been handled in compliance with the required timelines. I have not knowingly or intentionally submitted inaccurate or misleading information. 2. **Lack of Proper Notice or Opportunity to Correct : ** - Under the FCRA, I understand that individuals must be notified when a potential negative item is being reported. However, I have not received any formal notification or a proper opportunity to correct any alleged error. If the dispute is related to inaccurate or outdated information, I have not been given a fair chance to resolve it within the statutory time frame. As required by the FCRA, I would have expected a 30-day period to respond to such notifications, which was not provided. 3. **Potential Error or Misunderstanding Regarding Timeliness or Reporting Procedure : ** - There may have been a misunderstanding related to the reporting or update of certain information. I have made all necessary corrections in a timely manner, and I have corresponding documentation to support this. For example, I submitted an update request to the relevant credit reporting agency on [ insert date ], and I have confirmation of receipt from the agency, showing that my request was processed in compliance with the FCRA regulations. In light of the above points, I respectfully request that this claim of civil liability be thoroughly reviewed and dismissed, as I have acted in full compliance with the applicable sections of **15 U.S.C. 16810**. I also request that any negative records associated with this claim be corrected or removed to reflect my adherence to the law. Please acknowledge receipt of this letter and provide me with a detailed written response outlining your findings and next steps. I am available to discuss this matter further if necessary and look forward to your prompt resolution of this dispute. Thank you for your attention to this matter. Sincerely, XXXX XXXX

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