Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13169360
Complaint Overview
Complaint ID: 13169360
Company: Id Analytics, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Indiana
ZIP Code: 46835
Date Received: 2025-04-24T12:00:00-05:00
Date Sent to Company: 2025-04-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
RE : Formal Demand for Deletion of Inaccurately Reported Charged-Off Account Account No. Ending in XXXX To Whom It May Concern, I am writing to notify you of serious and ongoing violations of the Fair Credit Reporting Act ( FCRA ) in relation to your reporting of the account ending in XXXX, originally opened on XX/XX/XXXX. This credit card account is currently listed as closed and charged off, yet your company continues to furnish misleading and inaccurate information to the consumer reporting agencies. The violations include : Monthly charge-off reporting after the account was closed. The account was charged off, yet you continue to report it as if it is actively delinquent. " CO '' has been reported for 20 consecutive months from XX/XX/XXXXXXXX through XX/XX/XXXX, which is misleading and a direct violation of FCRA Section 1681s-2. Re-aging of the account. Reporting ongoing charge-offs after the original charge-off date gives the false appearance of a more recent delinquency and may artificially extend the reporting period. This is deceptive and violates credit reporting standards. False reporting of the account status. The account is closed, yet the credit history reflects continuing negative activity, which is inaccurate. Failure to finalize derogatory status. Charged-off accounts should reflect a fixed derogatory status and should not continue accumulating new derogatory marks after the charge-off date. These actions constitute 23 separate violations of federal law. As allowed under the FCRA and FDCPA, each violation is subject to statutory damages of up to {$1000.00}. Therefore, I am seeking a total of {$23000.00} in damages. You are hereby given 15 calendar days from the date of this letter to remove this account in its entirety from all consumer reporting agenciesand provide written confirmation of the deletion. If you do not comply within this time frame, I will proceed with formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. I will also initiate legal action to seek statutory damages, attorneys fees, and any other relief permitted by law. This letter serves as your final opportunity to resolve this matter without legal escalation. Sincerely,
Frequently Asked Questions
What is Complaint #13169360 about?
Complaint #13169360 was filed against Id Analytics, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-04-24T12:00:00-05:00.
How did Id Analytics, INC. 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 Id Analytics, INC.?
Yes, visit the Id Analytics, INC. company profile at readthecomplaint.com/company/id-analytics-inc 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.