Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11898732
Complaint Overview
Complaint ID: 11898732
Company: First Technology Federal Credit Union
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Massachusetts
ZIP Code: 025XX
Date Received: 2025-02-02T12:00:00-05:00
Date Sent to Company: 2025-02-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I was a DCU member at the XXXX, Massachusetts branch for many years. I had noticed in my credit report that in XXXX, DCU Corporate in XXXX, Massachusetts had listed my account as a Charge-Off. I tried disputing the matter through XXXX since it had been 7 years and XXXX denied it. I reached out to DCU several months ago and they stated they never listed anything as a Charge-Off and that I was in good standing with them, so, I tried disputing the matter once more and XXXX denied once again. I called DCU on Friday XX/XX/XXXX and they said that my checking account had a negative balance of around {$150.00} and told them I had paid this off years ago and that no one notified me that I owed any money on the account. The sales representative spoke to collections department and collections said they said I didn't owe anything and was not sure why I had a charge off to begin with since I didn't owe anything. The supervisor of collections also couldn't see anything and couldn't figure out why I had a charged off account. This greatly upset me because it has impacted my credit for a long time and was falsely reported by the bank and had a false charge-off reported which is unacceptable.
Frequently Asked Questions
What is Complaint #11898732 about?
Complaint #11898732 was filed against First Technology Federal Credit Union regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-02-02T12:00:00-05:00.
How did First Technology Federal Credit Union respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against First Technology Federal Credit Union?
Yes, visit the First Technology Federal Credit Union company profile at readthecomplaint.com/company/first-technology-federal-credit-union to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.