Consumer complaint received 2020-10-17
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Good Afternoon, I am filing yet ANOTHER COMPLAINT against XXXX  and their subsidiaries for failing to DELETE and REMOVE invalid data from my credit report. As of XX/XX/20, XXXX  has notified me ( via online ) that more OLD NEGATIVE information is reporting, on accounts that were less than 30 days ago, CLOSED, with a ZERO- BALANCE. It should be noted that as I have attempted to correct my credit report to reflect my actual information, XXXX  has engaged in the illegal practice of UPDATING and RE-AGING old account information, post investigation, thus hurting my credit score. This is a clear violation of FRCA Article 609 XXXX  FAILED TO GIVE PRIOR NOTICE of pending negative information and ; FRCA Article 611 Section 5a, 5b, 5c - XXXX  FAILED TO TAKE STEPS TO PREVENT TO REAPPEAR. I feel that XXXX  is engaged in very malicious and  predatory acts against me. I also feel that XXXX  is racially discriminating against me for failing to take proper action regarding my credit reporting and scoring. Since XX/XX/XXXX, due to their negative actions, lack of proper and thorough investigations, and illegally re-aging accounts after a dispute my score has suffered a drop of more than 40 pts. This represents a clear violation of my Fair Credit Act and Civil Rights Act protections under law. I have sent XXXX  several letters, proof of payments, court documents,  and other items to prove the validity of my disputes and deletion requests under my FDCPA, FCRA, and Nevada State Consumer Law rights. XXXX  has also engaged in deceptive score practices against me, showing one Score that is higher at one vendor, and lower at others. This practice has caused me to be  either offered exorbitant interest rates or denied credit offers all together. It should be noted that the other 2 major credit reporting agencies, have taken the necessary steps to update my credit as I have requested, and my scores and report reflect the correct information, reflecting my actual creditworthiness. XXXX  and their failure to follow suit, forces me to believe that they are intentionally failing to update my information to reflect and match the ACTUAL information in relation to my identity and my true credit reporting. From my initial investigations, XXXX, within the last 5 years ( XXXX ) has been party to and has been found guilty or settled on several court proceedings against them for these very actions. This is not a DUPLICATE complaint or dispute. This is a NEW DISPUTE in a series of disputes against XXXX  regarding their treatment of me and failure to act in according to the law. From my interactions in writing, online, and via phone, I feel that I have exhausted all of my options for an amicable solution with XXXX. I am asking the CFPB to use all of their investigative powers to act on my behalf. I am currently seeking an attorney who is well versed in consumer credit litigation, if necessary, to assist me in beginning legal proceedings against XXXX  and the creditors in which they Robo-verify false information for, regarding my attempts to correct information my my credit report. I want to thank the investigators at the CFPB for their time and tireless work on behalf of consumers like me who are being treated harshly and many times illegally by for-profit credit reporting agencies, like XXXX. I am giving notice to XXXX  and all false creditors that I am filing a lawsuit against them for their illegal actions against me as described above. Any and all stall tactics, boilerplate responses, and failure to render the proper remedy, will all now be used as evidence along with the several complaints filed to the court.

I look forward to seeing each party in litigation. 

Cordially, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation