Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17837884
Complaint Overview
Complaint ID: 17837884
Company: Mercury Financial Intermediate 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: Pennsylvania
ZIP Code: 15206
Date Received: 2025-10-26T12:00:00-05:00
Date Sent to Company: 2025-12-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX is willfully furnishing and perpetuating false credit data for an account that was settled in full years ago with XXXX XXXX XXXX XXXX Relevant facts and dates : Last payment on account : XX/XX/XXXX ( per furnisher reporting ). Account was charged off/ written off in the amount of {$2100.00} ( reported as written-off in XX/XX/XXXX on consumer report ). I settled the account in full with XXXX XXXX XXXX years ago ( documentation available ). Despite settlement, XXXX XXXX XXXX/Mercury continues to report the tradeline as a charge-off / transferred / written-off account and has provided updated reporting as recently as XXXX ( showing new reporting activity ), which is objectively false. Actions taken by me : I provided documentation proving the account was settled in full and requested correction via bureau disputes. I filed disputes with the credit bureaus XXXX XXXX XXXX XXXX XXXX and included screenshots and settlement proof. I filed a CFPB complaint after furnisher/bureaus failed to correct or delete the inaccurate tradeline. Why this is unlawful and harmful : XXXX XXXX XXXXMercurys continued reporting of an unsettled/charged-off status after full settlement violates multiple provisions of the Fair Credit Reporting Act, including 623 ( a ) ( 1 ) ( A ) ( furnishing inaccurate information ), 623 ( a ) ( 2 ) ( failure to correct or update information after notice ), 607 ( b ) ( failure to follow reasonable procedures to assure maximum possible accuracy ), and 605 ( c ) ( misrepresenting the reporting period ). Continuing to report a charged-off balance and updated XXXX activity after full settlement is effectively re-aging the account and unlawfully extending the negative reporting period. This materially harms my creditworthiness, ability to obtain credit, and causes economic injury.
Frequently Asked Questions
What is Complaint #17837884 about?
Complaint #17837884 was filed against Mercury Financial Intermediate LLC regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-10-26T12:00:00-05:00.
How did Mercury Financial Intermediate 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 Mercury Financial Intermediate LLC?
Yes, visit the Mercury Financial Intermediate LLC company profile at readthecomplaint.com/company/mercury-financial-intermediate-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.