ComplaintsforCreditFirm.net

• Initial Complaint

  10/03/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I signed up for their credit repair program in November 2022 at $49.99 per month. In December, I emailed asking how many months so I have an idea how much money to pay. They email back they will work on this ASAP. In the past 10 months, there has been 0 activity on my account. The stats have remained at no changes since the first month. They have taken my money under false pretenses. I emailed them today to terminate my account. They need to reimburse me the $499.90.

  Business response

  10/04/2023

  Hi ******,

  Thank you for contacting us via the BBB's complaint system and allowing us the opportunity to answer any question/resolve any issues.According to your communications, the main issues that you were concerned about was resolving the incorrect reporting of several accounts in your credit reports which were included in a Bankruptcy filed in 2020 but, were still reporting as charge-offs or had late payments.You specifically advised us that there was a *** account that was included in Bankruptcy that was reporting 11 late payments, a repossession notation in the payment history, and charged-off status. As of today, 10/4/2023, the *** account was removed from your Experian credit report. Equifax and TransUnion are reporting the *** account as never late with 0 late payments and 0 charged-off/repossession statuses or remarks. The ********** **** account was removed from all 3 credit bureaus. And the remaining accounts which were included in Bankruptcy are all reporting as "Included in Bankruptcy", without any late payments, and no charged-off statuses/remarks.

  These results were achieved from several rounds of dispute letters to the credit reporting agencies, validation requests to ***** Nexis and LCI regarding the Bankruptcy public record to gather the appropriate documents to provide to the credit bureaus and furnishers, section 609 letters to the creditors reporting the inaccurate information in your credit reports, and complaint/removal requests to the CFPB for the inaccurate information.

  Attached, please find a copy of your credit reports from Equifax, Experian, and TransUnion dated today (10/4/2023), as well as the account details for the *** account as it was originally reporting when you enrolled in our services. Based on the the positive changes and the fact that we were able to achieve the exact results that you requested when enrolling in our services, we will be unable to provide you the refund that you requested. If you have any questions please do not hesitate to contact us at any time.

  Customer response

  10/09/2023

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  ******

   

   

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