Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #14361906
Complaint Overview
Complaint ID: 14361906
Company: Stellarfinance, INC.
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: Was not notified of investigation status or results
State: Louisiana
ZIP Code: 70119
Date Received: 2025-06-29T12:00:00-05:00
Date Sent to Company: 2025-07-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am contacting XXXX again considering that I didn't receive any response via Postal mail, email or phone regarding the last complaint. I am demanding the immediate correction or removal of the inaccurate and misleading information you are furnishing to the credit bureaus concerning my account. Your own email communications confirm that XXXX cards were paused and your banking partner ceased support, disrupting customer access and account functionality. Despite this, you are reporting derogatory late payments and inconsistent balance details to Experian, which directly contradicts your own dashboard and records. For example : My StellarFi dashboard reflects a limit of {$1000.00}, yet my Experian report shows different high credit and credit limit numbers No active bills are linked to my account, yet a 30-day late payment is being reported My total bills paid and balance information do not align with what is being reported This constitutes inaccurate reporting and a violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( a ) Furnishers must not report inaccurate information 15 U.S.C. 1681s-2 ( b ) Furnishers must conduct reasonable investigations and correct errors
Frequently Asked Questions
What is Complaint #14361906 about?
Complaint #14361906 was filed against Stellarfinance, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-06-29T12:00:00-05:00.
How did Stellarfinance, 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 Stellarfinance, INC.?
Yes, visit the Stellarfinance, INC. company profile at readthecomplaint.com/company/stellarfinance-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.