Consumer complaint received 2021-02-01
Company: FIRST HERITAGE CREDIT LLC
State: NC
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:
CFPB, I am currently serving in the military. I was informed on some errors on my credit report due to renewal of my security clearance. XXXX, I wrote to the credit bureaus and informed them they were inaccurately reporting information that will potentially cost me my job. I submitted supporting documentation ; fast forward to XXXX, I lost my job because they didn't fix the errors on the credit report. 
1. I submitted information to fix the following accounts : XXXX XXXX ( Mortgage ), First Heritage, XXXX XXXX, and XXXX. 
2. XXXX, I sent certified mail to the credit bureaus ; still no change. 
3. XXXX, I sent certified mail explaining and pointing out the errors, still no change. 
4. XXXX, I sent certified mail to explaining and pointing out the errors with supporting documents, still no change. 
5. XXXX, I sent and added credit report image from XXXX  showing the each entry side by side with clear errors, still no change. 

I also contacted the creditors reporting the information by mail asking them to fix and errors and provide me proof of the debt, still no change and no response. 

1. XXXX XXXX is reporting a Foreclosure on one bureau, 120 days on another, payment history does not match, date open doesn't match etc. This is a major account responsible for my job lost in the military. 

2. First Heritage, I sent multiple letters asking them to verify the debt and or delete the debt. Still no response. I called and spoke to the company and ask the don't have document to provide me but keep stating the account information is accurate and verified. 

3. XXXX XXXX have been taking payment from me but will not update the account. They stated they closed and charged off the account, but I was still making payments. The military had me used a company to make payments to them just to show external payment history to provide proof for my security clearance. The account is still not update. I called and asked who they sold the account to, and no representative can give me a straight answer. I lost my security clearance and job because of this account. 

4. XXXX. I had to paid this account because the military wanted proof of action. I don't own this account. I asked them to since remove it, but they keep stating is verifiable but will not provide me proof. This is one of the account listed on my security clearance file. 

Lastly, I asked the credit bureau by mail to provide me proof of their method of verification and have not received anything since XX/XX/2019. The creditors and data furnisher have not provided me any documentation to substantiated these debts. I have called and sent certified mail even with evidence ; still refusing to make the changes. I went as far as sending image of the each credit report side by side from IdentityIq showing the errors, but they will not make fix the issue. I have lost my security clearance and my job. 

I kept receipts of my certified mail and certified mail receipts in case they denied receiving it. 

Critically, I pointed out that my information was also used by someone living at these address because I have never lived at these address/state in my years of assignment in the military : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Texas XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX.

Company response to consumer: Closed with explanation