Product: Credit reporting or other personal consumer reports

I believe XXXX XXXX should be put under investigation. They have 3 numbers that goes straight to the answering machine. Those numbers are ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of customers along with myself have been calling XXXX for weeks multiple times a day with no success if speaking to anyone. I also mailed 2 certified letters to XXXX XXXX  with no response. There taking people money and not reporting to credit bureaus, there app has major problems which has yet to be fixed, They trick you thinking your getting a {$2500.00} credit line but you don't receive that. What XXXX XXXX did was once they get approved to be a data furnisher they starting advertising there product to consumers with bad credit and the poor with promises of getting a better score. This is a quick XXXX XXXX for XXXX XXXX. Please look into there practices. For 45 days straight, I have encountered significant difficulties in making my payments to XXXX, both for my credit card and loan. Each time I attempted to use my bank account information, their system indicated insufficient funds, despite my account being adequately funded and payment being taken out of my checking account. To prevent a missed payment from negatively impacting my credit report, I resorted to using my debit card, which incurs a fee of {$3.00}, and the payment was marked as successful. However, upon revisiting the app later, I discovered that the payment was still recorded as missing. There were no issues with my debit card. and I called my bank 2 times and they verified that my debit card was indeed charged. After reaching out for assistance, I received a generic response that failed to address my specific concerns. I provided multiple screenshots from both my bank and their application, along with detailed explanations. In response, I was informed that I either lacked sufficient funds or that there was a problem with my debit card, and I was advised to use an alternative card. The presumption in this statement is astonishing ; it seems to overlook the reality that not everyone has multiple bank accounts. Instead of rectifying their system, they resort to making such unreasonable suggestions. At that point, my account had become over 30 days past due, resulting in a report of a missed payment that severely impacted my credit score. The primary purpose of this service is to assist individuals in improving their credit scores.

At this juncture, I have incurred the {$3.00} fee for using my debit card multiple times. My credit score is now so reliant on this service that closing my account would likely result in an even greater decline. Many individuals depend on this service based on its promise to assist with credit scores, and it is evident that they are aware that cancellation is not a feasible option for those in need. It feels as though they are intentionally exploiting individuals who require assistance. I have made the decision as I write this letter to close my accounts. Also There are multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. The creditor failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. The creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated to PAID AS AGREED/ Never LATE on my consumer report. Late payments reporting without proof in the form of a bank statement is hearsay and needs to be removed. The only legal proof for a late payment comes directly from a data furnisher in the way of a bank statement proofing when I paid or didn't pay on time from the data furnisher. This will prove when I paid on time. Anything other than documented proof is heresy. Anyone can create a statement stimulating a consumer paid late. Without this prove, theres no legal VALIDATION. In XXXX XXXX XXXXXXXX XXXX Congressional opinion was that the credit bureaus can not put the burden of proof of the consumers to verify. It has to come from the data furnisher, it has to come from the credit bureaus. It can not come from me.