Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18110694
Complaint Overview
Complaint ID: 18110694
Company: Hunt & Henriques
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: California
ZIP Code: 917XX
Date Received: 2025-12-02T12:00:00-05:00
Date Sent to Company: 2025-12-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XXXX is reporting a XXXX XXXX account on my credit file using information that is false, contradictory, and legally unverifiable. In a prior CFPB complaint, XXXX XXXX stated that the debt was never sold, that no third party had authority over the account, and that XXXX was solely responsible for all reporting. That statement was false. The court record and the fully executed Stipulation Agreement dated XX/XX/2024, filed under California Code of Civil Procedure section XXXX, prove the opposite. In that agreement, XXXX acted entirely through Hunt and Henriques LLP, who exercised full enforcement authority over this account. Their attorneys negotiated the settlement, set payment terms, accepted every payment, maintained the payment ledger, threatened enforcement, and controlled judgment entry and dismissal. These actions are only possible when a creditor delegates full enforcement authority. This directly contradicts XXXX previous statement to the CFPB. XXXX relied on XXXX false statements, ignored legally binding court documents, and closed my prior dispute without conducting a legally required reinvestigation. XXXX continued reporting this tradeline as though XXXX was the active furnisher, even though the record shows conflicting information regarding who had authority, who enforced the debt, and who handled the payments. When the furnishers own statements contradict the legal record, the account can not be verified under the Fair Credit Reporting Act. Because XXXX failed to reconcile these contradictions and failed to verify the accuracy of the information, the reporting is misleading and must be removed.
Frequently Asked Questions
What is Complaint #18110694 about?
Complaint #18110694 was filed against Hunt & Henriques regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-12-02T12:00:00-05:00.
How did Hunt & Henriques 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 Hunt & Henriques?
Yes, visit the Hunt & Henriques company profile at readthecomplaint.com/company/hunt-henriques 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.