Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5512783
Complaint Overview
Complaint ID: 5512783
Company: Continental Finance Company, 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 information incorrect
State: California
ZIP Code: 902XX
Date Received: 2022-04-28T12:00:00-05:00
Date Sent to Company: 2022-04-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I contacted Continental Finance credit card XXXX to report a Fraud on my account. After reporting fraud and requesting a new card, I noticed on their website that they updated my balance to zero. They closed my account, deleted all credit statements from my online profile, and reported, without my knowledge, a high balance on my card to three credit bureaus. The negligent and incorrect reporting affected my credit score and damaged my credit reputation. This erroneous action and the confusing online portal harmed my credit. This message serves as a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 Sec. 809 ( b ) that your reporting to credit bureaus is disputed validation, before reporting you MUST validate charges. The law is clear regarding the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA. I demand the immediate correction of the information posted in three credit bureaus.
Frequently Asked Questions
What is Complaint #5512783 about?
Complaint #5512783 was filed against Continental Finance Company, 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 2022-04-28T12:00:00-05:00.
How did Continental Finance Company, 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 Continental Finance Company, LLC?
Yes, visit the Continental Finance Company, LLC company profile at readthecomplaint.com/company/continental-finance-company-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.