LB in North Carolina says: “HSBC is reporting to the three major credit bureaus the date of charge off of an alleged debt. This violates the Fair Credit Reporting Act (FCRA). I sent a letter to HSBC and filed a complaint with the BBB that this account is past the 7 year reporting period. HSBC has failed to correct this and as a matter of fact, has indicated they report based on the date of last activity. I have pointed out to them that this is incorrect and that it should be the first date of delinquency. HSBC refuses to delete this account from the 3 bureaus thus ruining my credit outlook.”

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