Consumer complaint received 2021-09-11
Company: SF VAGO, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a credit alert that my credit score was reduced from XXXX to XXXX, and upon further investigation, I discovered that my State Farm XXXX  loan was showing 54 days past due. I was shocked, as I had not been contacted by State Farm, and no late notices were sent to me either - if I had not gotten the credit alert, I would have never known. I called State Farm at XXXX on XXXX at XXXX XXXX  EST, and spoke to a rep named XXXX, who informed me that my auto debit, which had been in effect for over three years since the start of the loan was stopped due to a bank change on State Farm ' end, which is why payments never came out. He also said that it was a known issue, and that my credit would be fixed, late charges waived and a new auto debit form would be mailed to me. He also advised me to dispute the rating with the major credit bureaus. I immediately paid the late XXXX and XXXX payments as well as paid ahead for XXXX to ensure no additional problems, which was a total of {$1300.00} ( ref ID XXXX ) with XXXX. 
The funds were always in my account, they just were never debited by State Farm. The call lasted 25 minutes. Once I got off the phone, I processed disputes with XXXX and XXXX. XXXX did not show a late payment, so I was unable to dispute the rating. Today ( XX/XX/XXXX ) I received a notification that State Farm denied my dispute with XXXX, so I called State Farm back and asked to speak to a supervisor and was connected with a floor supervisor named XXXX. He told me that companies ' position now is that I was notified and the credit reporting will not be fixed, which is not acceptable. I also discovered that for my auto loan, they had never updated to my current address, which may explain why no notices ever came to me. However, we have had home and auto insurance ( two vehicles ) with State Farm and have for many years, and have been getting a lot of mail from State Farm- but never anything for the auto loan. In addition, on my online State Farm profile, my auto loan showed my current address. Nowhere on my account online showed the old address. My auto loan was paid as agreed since XX/XX/XXXX, right up to when the auto debit was stopped due to an issue with a State Farm banking change. I see State Farm 's refusal to make things right an unfair, deceptive and/or abusive practice. I am not asking for money or any other type of special dispensation ; I just want State Farm to do the right thing and rate the account paid as agreed with no delinquent payments showing. State Farm 's practice of proactively waiving late fees on accounts affected show that they acknowledge the issue is on their end and adjusting credit reporting would just be an extension of correcting the issue. I took the initiative to fix everything the best that I could, and I expect the same from State Farm. Lastly, I was told that State Farm Bank no longer exists, and a entity named XXXX, XXXX XXXX is who now services my State Farm loan. However, I want to file this complain against State Farm, as the handoff of my loan was apparently processed poorly, which may have led to the issues on the State Farm end. This has been a very poor customer experience for me as well, as I have been on the phone for hours to correct this issue. I was even told on XXXX that it would be corrected, only to be told later that I was misinformed and it would not be.

Company response to consumer: Closed with explanation