Consumer complaint received 2021-05-12
Company: Service Finance Holdings, LLC
State: CO
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 mailed a dispute letter to the credit bureaus on XX/XX/XXXX regarding Service Finances inaccuarte payment history reporting. At that time, Service Finance was reporting to XXXX  XX/XX/XXXX 30 days/XX/XX/XXXX 60 days, XXXX  XX/XX/XXXX 30 days/XX/XX/XXXX 60 days, and XXXX  XXXX XXXX 30 days/XX/XX/XXXX 60 days. On XX/XX/XXXX, Service Finance responded to my dispute via XXXX  online with no changes, data is accurate. I submitted a comment to their no changes response using XXXX  online, stating Service Finance is not reporting payment history accurately to CRAs. XXXX  reports XXXX/XXXX  late payments, XXXX  XXXX/XXXX, XXXX  XXXX/XXXX  ; inaccuracies which caused additional fees and payments. 
Within three hours of Service Finance receiving that comment, they changed my credit history from two late payments to a total of five late payments. They update the three major credit bureaus with this payment history : XX/XX/XXXX-30 days, XXXX XXXX-30 days, XXXX XXXX-60 days, XXXX XXXX-90 days, and XX/XX/XXXX-30 days. How can a credit furnisher responsible for reporting accurate payment data go from absolutely no changes, data is accurate, to adding three additional late payments? What official data was suddenly retrieved they did not have access to in their initial investigation, but received only a few short hours after my comment? Where did they get this new data and if they reported and/or received conflicting credit bureau payment history, isnt that considered inaccurate reporting? 
On XX/XX/XXXX, I mailed a dispute letter with proof of payment, check numbers and dates of withdrawal from my bank account and requested the payment data they received during the three-hour timeframe from no changes in payment data to the drastic changes they made to my credit file ( score went down 11 points instantly ) after my submitted comment. After my request for data, I have not received any data. 
Service Finance responded to the XX/XX/XXXX dispute letter on XX/XX/XXXX by another display of unfair credit reporting actions and more retaliation. This time, Service Finance removed XXXX XXXX-30 days late, which they just added on XX/XX/XXXX, added a new 30 days late for XX/XX/XXXX ; removed the XX/XX/XXXX 30 days late, which they denied was accurate the first two times they made credit report updates and report XXXX XXXX-30 days late, XX/XX/XXXX-60 days late ; XX/XX/XXXX-90 days late ; and XX/XX/XXXX-30 days late. 
How can Service Finance be considered credible when within 12 days, they updated my credit file three times with different payment history data? See table below for a more visual display of their credit reporting history.

Table attached displays each month they reported my credit history with different data and every month has been reported paid as agreed except XXXX ; all reported payments in the table, apart from XX/XX/XXXX credit report data, occurred within 12 days and 1618 months after the account has been paid/closed. Their responses to my disputes feels a lot like harassment and retaliation. 

Service Finance Balance History : Service Finances balance history, in a screenshot from XXXX, shows XXXX and XX/XX/XXXX as scheduled payments were paid. This screenshot was taken prior to their dispute updates in XXXX and XXXX. As of their last credit file update, their XX/XX/XXXX payment history can no longer be viewed ; it is no longer an option. 

Service Financial plays malicious games with consumers credit data and reports inaccurate data intentionally. Meanwhile, consumers of this company have tried or are trying to get approved for apartment leases, employment, and credit card increases and get denied or are required to have a larger down payment to get approved for a roof over their familys head.

Company response to consumer: Closed with non-monetary relief