Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6630948
Complaint Overview
Complaint ID: 6630948
Company: Aqua 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: 77583
Date Received: 2023-02-28T12:00:00-05:00
Date Sent to Company: 2023-02-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The account is showing on my consumer report as a charge-off. It is illegal to furnish income on a consumer report. A charge-off according to the IRS is income, and you must file a 1099-C. As it stands, I have not received a copy of this form. Remove this information from my consumer report immediately. My rights as a consumer are protected under Title 15 Chapter 41. 15 USC 1601 highlights the consumers informed use of credit. At the time that I entered this alleged consumer credit transaction, I was uninformed and did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your companys lack of full disclosure.
Frequently Asked Questions
What is Complaint #6630948 about?
Complaint #6630948 was filed against Aqua 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 2023-02-28T12:00:00-05:00.
How did Aqua Finance, 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 Aqua Finance, INC.?
Yes, visit the Aqua Finance, INC. company profile at readthecomplaint.com/company/aqua-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.