Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5220189
Complaint Overview
Complaint ID: 5220189
Company: Phoenix Financial Services LLC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Texas
ZIP Code: 77024
Date Received: 2022-02-14T12:00:00-05:00
Date Sent to Company: 2022-02-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
The PHOENIX FINANCIAL SERVICES has added TWO older collection accounts to my credit profile as a " new '' collection from XXXX, it was recently sold to them this year, not opened this year from the first date of delinquency. This has severely damaged my XXXX XXXX. The original creditor has the date from XXXX or earlier and not the open date that PHOENIX FINANCIAL SERVICES has reported to the credit reporting agencies. I believe this account has been re-aged or has been reported the wrong open date from what the original creditor provided. I am not familiar with this debt, and to see how this debt is damaging my credit XXXX and future, is deeply concerning. Simply put, This is reaged debt and needs to be immediately removed. The Same actions have been taken by XXXX XXXX SYSTEMS in reaging debt they purchased in XXXX that belongs to XXXX or earlier I have previously complained to the CRA 's but they are parroting the reporters language and not performing a maximum possible accuracy.
Frequently Asked Questions
What is Complaint #5220189 about?
Complaint #5220189 was filed against Phoenix Financial Services LLC regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2022-02-14T12:00:00-05:00.
How did Phoenix Financial Services 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, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Phoenix Financial Services LLC?
Yes, visit the Phoenix Financial Services LLC company profile at readthecomplaint.com/company/phoenix-financial-services-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.