Esusu Financial, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	OR 97223	Web
Esusu, also known as XXXX XXXX XXXX, is a business headquartered at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX New York XXXX. They are a foreign company but operating in the USA. Esusu is a company that reports monthly rental apartment payments to the credit bureaus, therefore affecting Consumers credit scores. They often report to the wrong Consumer 's credit report and those Consumers need to be able to reach Esusu to clear up Esusu 's mistakes. I have tried to communicate with Esusu by phone but their phone lines disconnect after a brief message. I reached out to them by email and they replied that they do not accept phone calls. ( Please see the attached email thread and please take note that my email to them was at XXXX XX/XX/XXXX, not XXXX on the XXXX as their email thread implies ). There are many elderly individuals who do not have the ability to use computers and send emails. I believe Esusu is in violation of certain consumer protection laws by not being available by phone while being a company that reports to the credit bureaus. I believe they also need to have a valid phone number to hold a business license. I plan to also submit this complaint to other government agencies where applicable, such as the New York State XXXX
01/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77015	Web
XXXX XXXX XXXX has reported a have a loan with them. I don't have a loan and have NEVER had a loan with this company. I RENT a room with them under house sharing. Last year they reported the same thing under a company called Esusu and both times my credit score dropped significantly. I disputed the Esusu last year and it was removed but my points weren't returned. I have reached out to both companies twice and have been told someone would get back in contact with me and after 2 weeks nothing! They are ignoring me just like last year. Something needs to be done because they are a rent reporting company and my good on-time payments are supposed to help increase my credit score not decrease it. On my credit report under account details it lists as rental agreement so why is this being reported as a closed loan? I was told last year by Esusu this is the only option they have to report payments and this is hurting me. My score has dropped again which is preventing me from obtaining an apartment. I DON'T want to continue to live in a ROOM! Ask this company to provide loan documents with my signature on them or remove this item from my credit report and this time restore all of my points that were taken away.
05/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30340	Web
On XX/XX/XXXX I got a report from XXXX XXXX. It stated that my XXXX XXXX XXXX account was closed. Which dropped my credit score -XXXX points on XXXX. And -XXXX points on XXXX. I then contacted both credit bureaus to ask about getting it disputed. They told me I have to contact ESUSU the credit company that put this inquiry on my credit. I contacted them gave them the information and they said they have to do an investigation. I went to my leasing office and told them what is happening. They dont know why it was put that my account was closed. I havent had any late payments or eviction notices. I got copies of my on time rent payments and lease. For proof that my account is open. And I want my score back updated and this mistake off my credit report.
01/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Didn't receive services that were advertised	PA 19134	Web
On XX/XX/XXXX I paid {$100.00} for an ongoing credit reporting service from Esusu Financial , Inc . They claimed that they would provide the credit bureaus with monthly rent payment information. This purchase included a historical rent payment report for the past 24 months. On XX/XX/XXXX, I paid {$80.00} for the same service for my spouse ( historical rent payment report for previous 24 months and ongoing monthly rent payments ). As of XX/XX/XXXX this has not been completed as promised. Monthly rent payments have not been reported for several months and there is a complete and total absence of any information - including the historical 24 months of rent payment- on any of my spouse 's credit reports.
08/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30043	Web	Older American
I checked my credit report and saw this company who I've never heard of nor had an account with. I tried to call no answer voicemail. So they said email or text I did both. I XXXX them it's says it's a rental assistance program. I'm a XXXX XXXX government assisted client and can apply for any other program. They said on the CR that high balance XXXX $ my rent has never been XXXX XXXX I've disputed with all 3 agencies.
07/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89014	Web
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
12/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28607	Web

07/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WA 98001	Web

07/12/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	WA 98208	Web

03/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10280	Web

01/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Received unsolicited financial product or insurance offers after opting out	MA 01854	Phone

01/07/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89146	Web