Business identity

DecorationPath.com is the online division of SM Furniture Inc. Financing accounts, account servicing, and applicable credit reporting activities are administered by SM Furniture Inc. through the DecorationPath platform.

Account information that may be furnished

DecorationPath may furnish account information to consumer reporting agencies, subject to applicable law and DecorationPath active furnishing practices. Information may include account opening information, account type, credit limit, current balance, scheduled payment information, payment history, account status, delinquency information, account closure, charge-off status if applicable, corrections or updates, and dispute indicators where applicable. DecorationPath does not promise reporting to every consumer reporting agency or reporting every account.

Account servicing questions and disputes

Account-servicing questions may involve payments, balances, statement entries, returned or reversed payments, account terms, order-related account issues, or account status. Contact DecorationPath Financing through the Customer Hub when available or by email at finance@smfurnitureinc.com.

Credit reporting disputes

Credit-reporting disputes may involve an incorrect balance, incorrect payment status, inaccurate late-payment history, incorrect account ownership, duplicate reporting, incorrect account status, or inaccurate opening or closing information. You may submit a direct dispute to DecorationPath or submit a dispute through a consumer reporting agency.

Information to provide

Please include your full name, DecorationPath account number if available, current contact information, the specific information disputed, why you believe it is inaccurate, supporting documentation, and your preferred contact method. Do not email Social Security numbers, identity documents, bank statements, or other sensitive records unless DecorationPath provides a secure method.

How DecorationPath reviews a dispute

DecorationPath may review application information, signed agreements, account ledger, payment history, statements, account notes, order records, verification documents, customer communications, supporting documents submitted with the dispute, and relevant furnishing records. Additional information may be requested when needed.

Investigation outcome

DecorationPath will communicate the result through an available account communication method. If we determine that previously furnished information was inaccurate, we will update our records and furnish corrected information consistent with applicable law and our furnishing practices. If information is verified as accurate, we will communicate that result. You may submit new relevant information for further review. Records of the review may be retained consistent with applicable requirements.

Timing

We review disputes as promptly as practical and within the time required by applicable law.

Identity theft

If you believe a DecorationPath account resulted from identity theft, contact DecorationPath promptly and provide appropriate identity-theft documentation through a secure method when requested.

Customer responsibilities

Customers should provide accurate application and account information, keep contact information current, protect account credentials, review statements and messages promptly, report suspected errors, promptly report suspected fraud or identity theft, and use secure upload methods for sensitive documents.