Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #6895139
Complaint Overview
Complaint ID: 6895139
Company: Fc Holdco LLC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Texas
ZIP Code: 78621
Date Received: 2023-04-26T12:00:00-05:00
Date Sent to Company: 2023-04-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing this letter to request you to remove the late payments from my credit reports as indicated in the reports. According to the Fair Credit Reporting Act, any inaccurate or incomplete information in credit reports must be corrected or removed. I have reviewed my credit reports from your bureau and noticed that there are several late payments on my credit accounts that are inaccurate. I have attached copies of my credit reports highlighting the inaccuracies as well as the proof of the errors. I have been making consistent payments on all my accounts, and there have been no late payments beyond the initial late payment reported. Therefore, I request that you remove the negative reports from my credit report to enable me to improve my credit score. I respectfully request that you investigate and correct the errors promptly to avoid further damage to my credit score. You may contact me if there are any queries or if you require additional information. Using FCRA Section 611 ( 5 ) ( A ) and FCRA 15 U.S.C 1681
Frequently Asked Questions
What is Complaint #6895139 about?
Complaint #6895139 was filed against Fc Holdco LLC regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2023-04-26T12:00:00-05:00.
How did Fc Holdco 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 Fc Holdco LLC?
Yes, visit the Fc Holdco LLC company profile at readthecomplaint.com/company/fc-holdco-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.