Complaints

This profile includes complaints for Industrial Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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Industrial Credit Union has 3 locations, listed below.

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  Industrial Credit Union

  PO Box 1767 Bellingham, WA 98227-1767

• 

  Industrial Credit Union

  1739 Labounty Dr Ferndale, WA 98248-9444

• 

  Industrial Credit Union

  PO Box 1767 Bellingham, WA 98227-1767

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:11/29/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have recently obtained a copy of my credit report and have noticed the following inaccurate accounts. These incorrect accounts are negatively affecting my credit rating and causing me unnecessary financial strain: I had a charged off in October 2021 but it reporting charge off every month which is incorrect, and it saying that the balance was updated on october 2023 which is also incorrect theres no need for it because it was already charged off two years ago.Per the Fair Credit Reporting Act, it is my right to request an investigation into any items on my consumer credit file that I feel are inaccurate. It is my understanding that you will investigate these items for accuracy within 30 business days and send me the results via mail along with an updated copy of my credit report.Thank you in advance, ************************

  Business Response

  Date: 01/18/2024

  Industrial Credit Union takes matters related to credit seriously. To address the discrepancies you've identified, it is crucial to initiate a formal dispute directly through the credit bureaus. This process will help in thoroughly investigating and rectifying any inaccuracies on your credit report.

  Here are the steps you can follow to file a dispute with the credit bureaus:

  • Begin by requesting your free annual credit report from each of the three main credit bureaus located here
  • Equifax: Visit [Equifax Dispute Page] and follow the instructions provided to initiate a dispute online.
  • Experian: Access the [Experian Dispute Center] and follow the steps outlined to submit your dispute electronically.
  • TransUnion: Utilize the [TransUnion Online Dispute Form] to file a dispute with TransUnion.

  Ensure you provide detailed information about the discrepancies, including any supporting documentation you may have. The credit bureaus will then investigate the matter and make the necessary corrections to your credit report.

  While the dispute process is underway, we recommend monitoring your credit report regularly for updates. You are *********** a free copy of your credit report from each bureau annually, which can be obtained through [AnnualCreditReport.com].

  Thank you for bringing this matter to our attention.