Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15914729
Complaint Overview
Complaint ID: 15914729
Company: Greensky Operations, LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Oklahoma
ZIP Code: 73034
Date Received: 2025-09-12T12:00:00-05:00
Date Sent to Company: 2025-09-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Incorrect information on my credit report Account not mine My credit reports list a XXXX XXXX XXXX GreenSky account as a charge-off with a balance of {$4500.00}. This account is not mine and was the result of unauthorized services. I have disputed this account repeatedly with XXXX XXXX XXXX XXXX, but it remains. I also contacted XXXX XXXX XXXX GreenSky directly, but they avoid and deflect. I filed an FTC Identity Theft Report and provided it to the company and the credit bureaus, but the tradeline still has not been removed. This violates the Fair Credit Reporting Act, including 1681s-2 ( a ) ( 1 ) ( A ) ( furnishing inaccurate information ), 1681i ( failure to conduct a reasonable reinvestigation ), and 1681e ( b ) ( failure to ensure maximum accuracy ). The tradeline is inconsistent across bureaus and unverifiable. This false charge-off has lowered my credit score and directly caused credit denials, higher insurance premiums, and excessive auto loan interest rates ( up to 18 % ).
Frequently Asked Questions
What is Complaint #15914729 about?
Complaint #15914729 was filed against Greensky Operations, LLC regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-09-12T12:00:00-05:00.
How did Greensky Operations, LLC 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 Greensky Operations, LLC?
Yes, visit the Greensky Operations, LLC company profile at readthecomplaint.com/company/greensky-operations-llc 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.