Consumer complaint received 2021-05-30
Company: Service Finance Holdings, LLC
State: UT
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:
My personal info was first Breached by XXXX in XXXX early XXXX of XXXX, few account wasn't my showed and few false collection accounts dropped my XXXX score to XXXX score, I reached out hundreds of time try to get help, XXXX customer service just keep prolong the issue, telling me a settlement department will soon take over, even emailed as well letter to me state they breached my identity and personal info, said team of support will shortly contact me, i waited 4 1/2 years, I disputed over 15 wrong accounts as well false reporting and each time they remove the wrong fraud account refuse to recover my credit score they took, due to the credit hit and XXXX ruined my credit, I had to force filed Chapter XXXX to save what I had left also it help blocked those fraud negative account on my report, I lost my XXXX Lease, couldn't finance it after I made 49 payment on a 48 month tier 1 lease, I had to borrow from payday loan for emergency 5 & 6 of them for XXXX or XXXX and eye glasses for my family, I put XXXX kids to college and still have XXXX XXXX XXXX as well my wife XXXX XXXX ruined my credit, they only take first, and once dispute put in place than removed, but I ask them to recover the positive score they stole and they just won't do it, and XXXX notify me they again breach my info in XXXX still got no support from them, I requested info on the breach and what to do next, I never received any documents or a simple phone call from XXXX, why did I have to pay for other people mistake? Where is my justice? I have house hold of XXXX  it support, I lost and sold anything I can to support my family livelihood and roof over our head, what does it take for someone to help me? Where is my right? Yet I didn't do anything wrong and my family has to suffer, im a US citizen as well all my kids, because of the XXXX and I had to work 70 hours a week to support my family now my body is hurt, I created XXXX XXXX, XXXX and XXXX, I had my left and right reconstructed XXXX done and replace severed XXXX and XXXX XXXX XXXX, im still in treatment for preparation for my XXXX XXXX, I felt at work 60 pound ice XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  all damaged im still trying to do the right thing, just need any one to read this and help, today im still fighting for my credit and its a nightmare I just cant wake up, how can XXXX get away with hurting my credit and breach my personal info and identity that neatly killed me and took food from my kids mouth, how us that possible? Because im from XXXX? So my XXXX name don't matter? Im a US Citizen, why do my family get treated like we don't matter by XXXX? And after I was forced to file Chapter XXXX, I paid nearly all my loan off in 2 months time, few got away from me, and the Chapter XXXX was used to pay those few account and primary to block the Fraud negative accounts, there is also a Company name Service Finance LLC, they was in my Chapter XXXX, while in Chapter XXXX, they said if I don't pay them, they will go after my Brother in law he cosigned, this was a {$3900.00} installement loan, for fixing the roof, not a Mortgage, so they take monthly payment from my bank since day 1 and I never miss any payment, but I have prof this company get payment from BK Trustee and my regular monthly payment on time by their statement, how this company intention fraud reporting I'm Deceased for last 2 years and report every month to 3 bureaus as a collection and late payment while in Chapter XXXX, I have document to prove it my credit report and bank statement, they fraudulently report Deceased so they can go after my brother in law while the installement loan is paid, by submitting me deceased and report as collection account while in chapter XXXX because once is discharged like now, they plan to go after my brother in law, because my report showed 0 payment, and this company report this installment loan under Mortgage loan, I disputed with XXXX and XXXX as well XXXX, nothing was done, im trying to buy a house finally after what XXXX did to me, I have great report but low score due to never got my score that was taking from me each dispute, now because Service Finance LLC reported as a Mortgage and collection, as well in chapter XXXX, so my mortgage score is low XXXX, that is fraud, this company did all that to try collect 3 times, I called this company over and over, they said they will remove the Deceased and update closed account, but refuse to remove the account away from Mortgage account because its not, they also said they do not care for bankruptcy, and they can report anything they want and there is no law to protect consumer right while in protection of Bankruptcy, they said they can report and if got no protection and my attorney, Trustee, the Federal court is wrong, they are right so I need help, thus company is family owned, they are from XXXX region, and they careless about the United State Federal Law, and I told them about why people file Chapter XXXX and why Trustee pays those account for the people, so that is protecting American people from exactly from people or family business like them that they think they are above the law, just this 8 days ago that company did change the deceased and XXXX balance with pay as agreed but it still in Mortgage side with chapter XXXX, so after all those years fighting this company, its hurting my chance to finance a home finally what I live through, my family live through still cant get any help on those credit bureaus and company that do what they like because my name is not XXXX XXXX but XXXX XXXX, please prove me wrong and save my family from fraud that's committed upon me. Thank you XXXX any documents needed i can provide.

Company response to consumer: Closed with explanation