Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4482094
Complaint Overview
Complaint ID: 4482094
Company: Chime Financial INC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Texas
ZIP Code: 75206
Date Received: 2021-06-22T12:00:00-05:00
Date Sent to Company: 2021-06-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/21, I electronically field a disputes to the credit reporting agencies regarding inaccuracy and incompleteness of my record files reported by XXXX/Stride Bank. In response to my dispute, the CRA 's electronically sent a complete copy of my record file to Chime and codified the inaccuracies and incompleteness of the information. Besides the codified dispute, Chime also received a free-form text description of the information that needed to be corrected or updated as provided to me in the electronic dispute. Upon receipt of the disputes, Chime violated 15 U.S. Code section 1681s2 ( b ) by failing to review all relevant information provided, failing to modify the information reported, and failing to report the results of the investigation to results to all other consumer reporting agencies. Upon receipt of the results of the investigations and the resultantly updated reports, on XX/XX/21, I contacted the Furnisher of Information and advised that the certifications of the accuracy and completeness of the information were in error and their updated file records included nearly 30 errors combined as shown in this complaint 's annotated attachment. On XX/XX/21, I received an email from Chime that my dispute had been processed. As you can see from the attachment, errors still exist on all three reports. Either Chime deliberately misreported information known to be inaccurate or incomplete and therefore violated 15 U.S. Code section 1681s2 ( a ) ( 1 ), or all three CRA 's simultaneously misreported the information and Chime failed to establish reasonable policies and procedures for implementing the guidelines for how to ensure the information they furnish the CRA 's is accurate.
Frequently Asked Questions
What is Complaint #4482094 about?
Complaint #4482094 was filed against Chime Financial INC regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2021-06-22T12:00:00-05:00.
How did Chime Financial 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 (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Chime Financial INC?
Yes, visit the Chime Financial INC company profile at readthecomplaint.com/company/chime-financial-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.