Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12376073
Complaint Overview
Complaint ID: 12376073
Company: Atlanticus Services Corporation
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: 01201
Date Received: 2025-03-07T12:00:00-05:00
Date Sent to Company: 2025-03-07T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX, Ma XXXX Subject : Request for Removal of Collections and late payments, due to inaccurate information. Dear sir/ madam, I am writing to formally dispute the collection account reference by your agency. The account referenced by your agency. The accounts in question, which I understand to be reported under my name, is inaccurate due to incorrect or misspelled information. Specifically, I believe that either the amount, the nature of the debt, or the other details tied to this account do not reflect my accurate financial history. After reviewing my records and credit report, I noticed discrepancies that I am requesting be investigated. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I request that you provide verification of these debts, including : 1. The original account information and proof of the debt. 2. The amount owed and a breakdown of the charges. 3.Documentation to support that this collection is indeed mine, and that the reporting to all credit bureaus is accurate. If you are unable to provide this documentation or fail to correct the inaccuracies, I request that this collection or late status accounts be removed immediately from my credit report, as it is based on incorrect information. I appreciate your prompt attention to this matter and look forward to resolving these discrepancies. Please provide a written response within 30 days from the date of this letter. Those companies listed false and missed documented information reported to different credit bureaus. If the information was correct, it would be the same on all bureaus. XXXX financial -reporting 2 months late- XXXX report says all payments are up to date. XXXX XXXX XXXX XXXX XXXX XXXX charge off showing as closed, also has a past due balance of {$8000.00}. XXXX, charges offs can not have a past due balance. XXXXXXXX XXXX XXXX lists 2 months back-to-back 90 days late. XXXX marked 30 days late, but also says all payments made and in good standing. XXXX XXXX says 120 days late but shows in good standing. XXXX shows balance on closed and {$0.00} due, also 2 30-day late payments back-to-back. XXXXXXXX XXXX XXXX - {$1100.00} past due, charged off, charge offs can not have a past due balance. XXXXXXXX XXXX- {$1500.00} charged off, since XX/XX/year>, reported as charged off for the past 48 months XXXXXXXX XXXX XXXX XXXX never had an account with this bank, XXXX payments behind. XXXX XXXX XXXX reporting 120 days, only shows 90 days. Thank you for your cooperation. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #12376073 about?
Complaint #12376073 was filed against Atlanticus Services Corporation regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-03-07T12:00:00-05:00.
How did Atlanticus Services Corporation respond to this complaint?
The company responded with: "Closed with monetary relief". 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 Atlanticus Services Corporation?
Yes, visit the Atlanticus Services Corporation company profile at readthecomplaint.com/company/atlanticus-services-corporation 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.