Debt collection -- False statements or representation -- Complaint #19343476
Complaint Overview
Complaint ID: 19343476
Company: Sun Loan Company INC.
Product: Debt collection
Sub-Product: Payday loan debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Texas
ZIP Code: 78653
Date Received: 2026-02-08T12:00:00-05:00
Date Sent to Company: 2026-02-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint regarding a closed loan account that continues to be reported inaccurately on my consumer credit report. While I acknowledge that this account was opened by me, the manner in which it is currently being reported is inaccurate, incomplete, and/or misleading and does not meet the Fair Credit Reporting Acts requirement for maximum possible accuracy under 15 U.S.C. 1681. Specifically, this closed account reflects negative information that does not accurately represent the accounts final status, reporting dates, and/or payment history. Additionally, the continued reporting of this account in its current form is causing ongoing harm and does not reflect a complete or properly verified account history. I am requesting that the credit reporting agency conduct a full reinvestigation and require the furnisher to provide complete documentation verifying the accuracy of all reported data fields, including : Date of first delinquency Reporting status after closure Balance accuracy and charge-off details ( if applicable ) Payment history consistency across bureaus If the furnisher is unable to fully verify the accuracy of the account as reported, I am requesting that this account be corrected or permanently deleted from my credit report in accordance with the Fair Credit Reporting Act. Please provide written confirmation of the outcome of this investigation.
Frequently Asked Questions
What is Complaint #19343476 about?
Complaint #19343476 was filed against Sun Loan Company INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2026-02-08T12:00:00-05:00.
How did Sun Loan Company 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 (Debt collection) and describe your issue in detail.
Can I see other complaints against Sun Loan Company INC.?
Yes, visit the Sun Loan Company INC. company profile at readthecomplaint.com/company/sun-loan-company-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.