Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX I am a living breathing human being afforded all the rights that have been given by the body od laws in the FCRA ( fair credit reporting act ) My Complaint today is being lodged against " CREDIT SUBS DBA GROW CREDIT ' I want to say to the grow team that they are amazing and that if i had any other avanue then i would have taken it but unfortunatly the only way to make XXXX XXXX lying come to light is to publicly prove that they are lying about the investigation reporting. 

Cfpb In XXXX Grow Credit reported my account 30 days late upon me realizing this i immediatly brought the account current, and reached out to grow credit to see if there was anythingI could to about the late payment, they informed me that they would fill out an application for a goodwill late payment removal and that in a week or 2 they would reach out and let me know what they decided.In about a week and A half me being as impationt as i am i reached out to them ( grow credit ) to see if the had the verdict for me .They informed me that they world grant me a 1 time goodwill late payment as i expressed to them that i would not be late again and my account was setnow on auto pay so i will not make them regret it .they said in the next week or so they would issue an AUD for all 3 credit burreaus to remove the negitive indicators for their reported file XXXX did as the asked XXXX took them off for a couple days and pit the right back onand XXXX did the same so i fied a dispute and reached out to grow to see what was up because XXXX XXXX says that they contacted grow and grow informed them that all reported info is correct i informed grow and they said at first there was nothing they could d until my file was updated and i was finally ablr to show the Awsome guys at grow that i was being honest and that the files do update way more that n every 30 days and the said they would issue a second AUD the same as the first instructiong the removal and this time XXXX did in fact remove it this time, but XXXX XXXX once again and i reached out to grow after reaching out to XXXX XXXX and XXXX to get with grow because in their investigattion that grow is telling them that the late payment should be removed and if i obtained a letter from grow they would remove, So i asked the guys and gals at grow for a letter stating that they had approved my late payment remove XXXX they oblidged.so this time when i disputed the late payments on my credit file I provided XXXX with the LETTER from XXXX XXXXl and all of my conversations that i had with XXXX XXXXl where it is in pain context that they were telling me that despite what the y told me about getting a letter and providing a copy of all conversations they updated my dispute and once again said that they reached out to gro and grow told them that the letter or conversations were incorrect and that the late payments to stay, and i know for a fact that they can not be reaching out to management because i have spoke with management and provided the accounts and this proceeded to happen a third time grow has been gracious and issued a 3rd AUD once again asking that the remove all derogatoryies from my credit fie and once again XXXX XXXX says that grow reported to them that all info was all correct and uo to date and that the late payment so i ask the Cfpb this Complaint will but both parties face to face with the same info and everything thayt grow has done for me there is no way they are lying they could have easily told me no and and let that be that but they have gone the distance with me as if my file is thier file .So that will mean that XXXX XXXX has been lying about tdoing an investigation lying about the process or reinvestigation fraudulantly and purposfully updating my account bith bad data XXXX XXXX doing this has cost me over {$20000.00} dollars with this .I wrecked my truck and with the latepayment showing up in addition to the others they have been postion on a closed account *, I have been out of work for 3 days shy of one month *not been able to obtain new financing for a new vechile *causeing me to spend about {$1800.00} in rental fees *Lost a job that i had a contract on because i couldnt get a r to get therre to provide myself with a ride to do the job I ask that damages finally be assesed on this I am heavily thinking of retaining an attorney for this because a volintary fine to them wil not even come close to covering the damage they have done to my life with this one the job alone was worth XXXX Please see that grow shows the goodwill approval date and the letter wich will prove that grow has not been stating what XXXX says they have and have XXXX XXXX remove the late payment from my file immediatly