Consumer complaint received 2022-10-06
Company: Sezzle Inc.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I am writing today because as of XX/XX/22 I have been trying to work with Sezzle on information that they are reporting repeatedly incorrectly. Since XXXX XXXX I had completed my last payment to Sezzle, resulting in a XXXX balance, paid off. However, on XX/XX/22 I got an alert from XXXX XXXX  stating a change in my score. I had seen that my score decreased by XXXX due to sezzle reporting that my balance had gone up. The company at the time only had the option to email for a live response. XX/XX/22 I reached out via email about the issue. on XX/XX/22 XXXX responded to my email and stated that there was a delay in sezzle 's reporting. Not to worry that the following month it would have correct information. XX/XX/22 I received a notification from XXXX XXXX, and again my points were decreased due to the same issue but now another month them reporting no payment. Mind you at this time my account was paid off. XX/XX/22 I again emailed about the issue. XX/XX/22 I sent another email and reached out to chat support via their website. I was connected to live agent who said their name was XXXX and informed that there was a delay, and that they do see where my account was paid off as of XX/XX/22. I was emailed the transcript of our conversation, informed a manager would call me, and that i would be mailed a {$0.00} balance letter. XX/XX/22 I got a prepopulated email asking for information. XX/XX/22 I replied and attached all screenshots of my credit, conversations w/prior agents. XX/XX/22 received a response from XXXX who stated that their was a delay in sezzles reporting and that it would be corrected the following month reflecting correct info. XX/XX/22 received a notification from XXXX XXXX, checked sezzle and the information was still incorrect. XX/XX/22 emailed sezzle again, got a response XXXX from XXXX stating that it was not an issue on their end that this was due to the credit bureau not reporting the information they provided. That there was nothing they could do to speed them up and that I would just have to wait. XX/XX/22 I received an email stating that sezzle was closing my account due to inactivity. XX/XX/22 I received notification that my credit limit decreased from {$350.00} to {$150.00}. However, there was no update on any payments since XXXX, or the pay off in XXXX. This caused my credit utilization to increase reflecting I had gone over my limit vs it being paid off before sezzle decreased my limit. This is a service where you are required to pay 25 % of the purchase before it is approved. Meaning if you try to purchase something over your limit it requires you to pay the overage amount plus the 25 %. XX/XX/22 called sezzle at XXXX and spoke with a guy who stated that " they have done their job, and that they can't force the credit bureau to report faster. " He informed me he will escalate and request manager to call me in the next few days and resend the {$0.00} balance letter out. This issue has not been addressed by sezzle, and during this whole process i have disputed the information 3 times, and each time it has been verified as correct from sezzle. This is not fair, and I am entitled to an accurate credit report that reflects correct dates, history, and balances. I can not believe a company would try to report a decrease limit before reporting payments and after the account is fully paid off. This has to be illegal. This has affected us closing on our house and has ruined my credit. Yet no one seems to do anything about it. 

XXXX emailed about report XXXX response from XXXX XXXX emailed about report XXXX emailed again XXXX chat with XXXX  XXXX email asking for info XXXX emailed screenshots XXXX response from XXXX XXXX emailed about reporting again XXXX response from XXXX XXXX email closing account due to inactivity XXXX emailed XXXX called spoke with a guy at sezzle

Company response to consumer: Closed with explanation