Consumer complaint received 2020-12-22
Company: ECMC GROUP, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is my second complaint with CFPB against XXXX  regarding the SAME issue. There is incorrect information on my XXXX  credit report being reported to creditors. XXXX claims that it is not. 

Hello, My name is XXXX XXXX and I am contacting you with regard to an ongoing issue I have been having with XXXX. That credit bureau is reporting inaccurate information ( 2 recent payments ) on my credit report. This inaccurate reporting and overall failure to update, has resulted in my having been denied a credit limit increase with one of my creditors recently. I also anticipate starting the home buying process in the near future and can not have this inaccurate reporting be an issue. In XXXX of 2020, I submitted a request to the U.S. Department of Education, requesting that my student loans be consolidated ( thus bringing them out of default status ). That application was ultimately approved. In XXXX of 2020, I received the enclosed notification from ECMC, one of the holders of two of my previously defaulted loans. In that letter, ECMC acknowledged having received the payment required to bring the two student loans out of default status. ECMC has also updated those two accounts with the credit bureaus to reflect closed/paid. While I do not dispute those accounts as having been in collections, I am again disputing the inaccuracy of the reporting. XXXX  is currently reporting that in XXXX of 2020, I missed a payment on each of the loans that they were holding ( for a total of 2 ). This is incorrect. Per XXXX, XXXX is reporting a late payment within the past 6 months. I also have a premier subscription with XXXX  that provides 3 bureau monitoring. My XXXX data under that monitoring service ALSO lists a recent missed payment. That missed payment is ECMC. There were no missed payments and even when the account was in a default status, I had been making monthly payments for over a year.I have disputed this via phone ( XXXX of 2020 ), as well as online, but the information has not been accurately updated. On XX/XX/XXXX, I sent a letter to XXXX ( via certified mail ), asking that they make the necessary corrections and/or updates on their end. On XX/XX/2020, I contacted them via phone to request an update. I was informed that they do NOT see any recent missed payments on my credit report. I again explained the information that is listed on XXXX and XXXX. XXXX  instructed me to contact the credit monitoring providers. I contacted XXXX  Customer Care and they explained to me that they could only update Information as it is provided to them by the credit bureaus ( in this case, XXXX  ). I am stuck in the middle and can not seem to get this information corrected. I again applied for a credit limit increase with a creditor was again denied based on information contained in my XXXX file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation