Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6050683
Complaint Overview
Complaint ID: 6050683
Company: Flexible Finance, INC.
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: 752XX
Date Received: 2022-10-04T12:00:00-05:00
Date Sent to Company: 2022-10-28T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Flex Finance is reporting derogatory information onto my consumer report that needs to be removed. I didnt give consent to flex finance to share my information with a non affiliated third party. The Gramm Leach Bliley Act 15 USC 6801 says that a financial institution is not supposed to share non public personal information to a third party. Flex Finance is furnishing a charged-off account onto my consumer report. The IRS definition of charge off is income. Income is not supposed to be furnished onto a credit report. Flex Finance did not clearly and conspicuously give me the option to opt out of credit reporting as it states in the Gramm Leach Bliley Act. I am asking Flex Finance to Cease and Desist all communication through any and all mediums unless it is for a specified remedy that I am invoking. The term communication through any and all mediums would be telephone, email, social media, and any consumer report. This notice is pursuant to 15 USC 1692c. The term communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. This alleged debt is reporting onto my consumer report which is a form of communication and I need this charged off account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of {$1000.00}
Frequently Asked Questions
What is Complaint #6050683 about?
Complaint #6050683 was filed against Flexible Finance, INC. 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 2022-10-04T12:00:00-05:00.
How did Flexible Finance, INC. respond to this complaint?
The company responded with: "Closed with monetary relief". 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 Flexible Finance, INC.?
Yes, visit the Flexible Finance, INC. company profile at readthecomplaint.com/company/flexible-finance-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.