Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16063976
Complaint Overview
Complaint ID: 16063976
Company: Veros Credit, LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: California
ZIP Code: 93307
Date Received: 2025-09-19T12:00:00-05:00
Date Sent to Company: 2025-09-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX says my VEROS Credit account was verified and updated, but the only change was adding a co-signer name and refreshing the balance date. The core errors remain : the account is reported as charged off and past due at the same time, and the dates conflict ( charge-off in XX/XX/year> vs last payment XX/XX/year> ). Im requesting deletion or accurate correction. I am disputing XXXX handling of my VEROS Credit tradeline. XXXX marked it verified and updated, but the update only added a co-signer name and refreshed the balance-updated date. The underlying inaccuracies I raised were not corrected, violating FCRA 607 ( b ) ( accuracy ) and 611 ( reasonable investigation ). Ongoing inaccuracies : 1. Double reporting : The account shows charged off ( {$4500.00} written off ) and {$1100.00} past due simultaneously. After charge-off, the past due amount field should not continue to report as if payments are duethis is misleading double derogatory reporting. XXXX. Date conflict : XXXX lists the status/charge-off date as XX/XX/year> but the last payment as XX/XX/year>. These dates can not both be correct. XXXX. Cosigner/name change is irrelevant : The update added Signer with XXXX XXXX XXXX and XXXX only the balance updated date ; it did not address the accuracy issues above.
Frequently Asked Questions
What is Complaint #16063976 about?
Complaint #16063976 was filed against Veros Credit, LLC regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-09-19T12:00:00-05:00.
How did Veros Credit, 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 Veros Credit, LLC?
Yes, visit the Veros Credit, LLC company profile at readthecomplaint.com/company/veros-credit-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.