Consumer complaint received 2020-11-27
Company: Armada Corp.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
When recently applying for a home loan, Armada Corp showed up on my credit report three separate times. All three items are regarding the same, single issue at XXXX XXXX. Years back, I received notice my account had been overlooked and sent to collections. The day I received notice, I hurried to Armada and paid the bill off. Before doing so, I confirmed that if I paid immediately the account would not be reported to the credit bureaus. Now, all these years later, Im discovering that it has been negatively impacting my credit score for years. Im extremely upset and wonder how much this has negatively affected any other new credit accounts in these last several years. Undoubtedly, Ive been paying higher interest rates because of this misinformation being reported. 

All three separately listed items on my credit report from Armada Corp show a reported date of XX/XX/XXXX and a date account opened date of XX/XX/XXXX. All of this is incorrect, as I made sure to pay the one amount in full right after being notified it had gone to collections. Additionally, listing it as three separate occasions is also incorrect, as it was one account from XXXX XXXX that ended up in collections. All three accounts say collection/charge off in the payment status section, which is completely inaccurate because it was paid in full immediately. Other fields are missing information, such as acxount type and more. 

To my understanding, once a medical bill is paid in full, it has to be completely removed from credit reporting. So not only is this information correct, but its continuing to be illegally reported on my credit history because it was a medical bill. 

In order for this to be resolved, I need Armada to immediately notify all three credit bureaus of the mistake and ask them to remove the accounts completely from my credit history. I need this process expedited, as Im scheduled to close on a house soon and Armada items are drastically impacting my rates. I need Armada to notify me in writing that they have contacted all three bureaus. I also need to receive confirmation that this updated information has been sent to any vendors who have pulled my credit report since XX/XX/XXXX. 

Additionally, I plan on finding out exactly how much Ive been negatively impacted by Armadas inaccurate reporting on my credit report. If it has negatively impacted any other newer accounts, by way of higher interest rates or if I was ever declined on a credit app, then I will be seeking further damages to make me financially whole. Ive spoken with my attorney, and he said he will also be asking for my attorneys fees to be covered by Armada Corp as well. I am open to settling this issue outside of court if Armada would like to propose a financial settlement amount. Otherwise, at the advice of my attorney, I will move forward with a lawsuit. 

Ive tried calling several times to the local office here, but the phone rings and rings and rings, without any answering machine picking up. Or sometimes it puts me through automated prompts, and when its time to leave a message it beeps and hangs up every time. I look forward to hearing back from someone soon so we can get this issue resolved in a timely manner.

Company response to consumer: Closed with explanation