| 12/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/XXXX, I had filed a dispute on XXXX for a debt that has been improperly reporting on my credit report. The account with A + Loans was opened in XX/XX/XXXX. Due to incontrollable circumstances in which I had no other options than to file a chapter XXXX bankruptcy. On XX/XX/XXXX I had filed for protection under Chapter XXXX. On XX/XX/XXXX the initial notice was sent to the creditors and on XX/XX/XXXX the notice for the meeting of creditors ( date/time/place ) was sent. All three notices included A+Loans. My bankruptcy was discharged on XX/XX/XXXX and A+Loans was sent a discharge of debt. I've attached a copy of the petition, meeting of creditors and discharge paperwork. Unbeknownst to me, A+ Loans started reporting this account with a XX/XX/XXXX open date and a XX/XX/XXXX charge off account. This was after the debt was forgiven and prior to them ever reporting on my credit. The results of the dispute didn't rectify the issue. They zeroed out the account and listed a bankruptcy date of XX/XX/XXXX and a closed date of XX/XX/XXXX. From my understanding, this is a violation of my rights under the FCRA. The update has now caused me to lose my pre-approved status on trying to purchase a new home. I've worked hard to start rebuilding myself after my bankruptcy and I was told that the way it's now reporting is valid. This debt should've never started reporting XXXX years after my discharge nor should it be dated as closed/included in bankruptcy as of this year. This account was never reporting prior to XX/XX/XXXX, so how is it legal that they can erroneously start reporting a discharged debt in which they were informed through my petition, meeting of creditors notice, and discharge notice?
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| 11/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Can't contact lender or servicer
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Web |
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I received an email about a past due balance. The email indicated to call a number and they would assist you with your loan. I was placed on hold for over 25 minutes and got a text from someone else at a different location of the business. I contacted XXXX who sent the text and was notified that I needed to pay in full and they would send an update to the bureaus. I asked him to clarify which kind of update because the email stated they would remove delinquencies but XXXX kept talking in circles. He couldnt provide clear information. He also attempted to lie and tell me that they cant request our accounts be updated a certain way with the bureaus because they dont control whats reported. The business does report directly to the bureaus and tells them what to post and I did not appreciate him lying. I felt uncomfortable submitting payment to him, as he clearly is not well versed to be handling my account. I emailed the business and got no response.
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| 12/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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I engaged in a loan with At Loans, had 4 successful loans and renewed the fifth terms ; filed for bankruptcy and they were notified of the case petition and protection under the automated stay have not heard a thing in close to five years ; Recent email from the company advised that they have updated credit profiles and demands payment. First I am still under the automatic stay and the statue of limitations for this loan has past in addition they knew or should have known as a matter of standard operating procedures to do a bankruptcy scrub before demanding funds on a account out of statute. I've called them twice and to no avail. This account is no longer collectible and has no legal standing in addition it is reporting incorrect information on my credit profile. They have violated several laws. The resolution I am seeking is removal of any recent information on my credit profile ( s ) ; restitution for the violations.
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| 04/30/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Loan payment wasn't credited to your account
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Web |
Servicemember |
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I made this loan, this loan included XXXX XXXXXXXX coverage, I told Representative [ Not ] to include XXXX XXXX coverage because I receive XXXX XXXX XXXX and Im a XXXX XXXX XXXX Veteran, to-date No XXXX XXXX payments have been applied under XXXX Contract, I dont owe a dime on this contract. I XXXX XXXX XXXX XXXX I gavXXXX XXXX XXXX a copy of my Social Security & VA Awards LETTERS when applying for this industrial loan. Again I dont owe a penny on this account if XXXX XXXX never applied XXXX XXXX payments to this account.
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| 12/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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A dispute letter was mailed on XX/XX/2020 in regards inaccuracies of the inquiries and the collection account from A+ LOANS. I did not receive any letter indicating that the information was accurately reported and verified. I sent a 30 day demand letter on XX/XX/2020 informing XXXX that I had not received any correspondence in 30 days and that the reported inquiries and collection account from A+ LOANS need to be deleted.
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| 03/14/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Incorrect information on your report
- Account information incorrect
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Web |
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I was told that they would delete the account and payment history because the account was paid and they were to remove from all credit reporting agencies but its showing 3 late payments which is inaccu
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| 01/18/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Loan payment wasn't credited to your account
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Web |
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I have paid this collection off the full amount with the promise of a pay go delete off of my credit report but its still showing, I want it removed from all three credit bureaus
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| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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| 01/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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| 09/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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| 10/22/2021 |
Yes |
- Payday loan, title loan, or personal loan
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- Incorrect information on your report
- Account status incorrect
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Phone |
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| 01/19/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Phone |
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| 10/08/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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