Consumer complaint received 2020-07-14
Company: MoneyLion Inc.
State: GA
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 have tried to work directly with Moneylion for resolution of the issue with their listing on my credit reports that is listed incorrectly due to their error. However, as I write this complaint realtime, my issue has yet to be resolved. Moneylion stated that they did an AUD Update on XX/XX/2020. However, it has been ample time for this to have been corrected but, the credit bureaus, specifically XXXX  has confirmed that they have not received anything from XXXX  since their last update on XX/XX/2020 in which they reported the error. Currently, Monelion has  failed to fix the issue because they are somehow under the impression that they have fixed the issue and clearly, they have not as neither of my credit reports for XXXX, XXXX, and XXXX  reflect the correct status of my Paid in full {$0.00} balance account MoneyLion Loan # XXXX. As of today 's date, XXXX  is still reporting my account 30 Days Past Due with a {$86.00} balance with a last update of XX/XX/2020. This loan does not have a balance as it was paid in full and there has not been a 30 Day delinquency. As of today 's date, XXXX  is showing this account as open with a {$290.00} balance which is not correct. This account has been paid in full and closed with a {$0.00} balance for two months but my credit report does not reflect that. As of today 's date, XXXX  is showing this account as open with a {$290.00} balance which is not correct. This account has been paid in full and closed with a {$0.00} balance for two months but my credit report does not reflect that. 
I received a call for once regarding this issue from a XXXX XXXX on XX/XX/2020 from the Complaints department. They feel as though the AUD update they say they sent on XX/XX/2020 has fixed the issue when in fact, XXXX  has advised they have not received anything from Moneylion since XX/XX/2020 when they reported the error and nothing since. I spoke with XXXX XXXX later that day and then her manager XXXX XXXX who assured me that she would work with the credit reporting manager to get the issue resolved. I advised them that XXXX  advised me that they would need to contact the Creditor Maintenance department via phone which is different from consumer customer service, yet, they have failed to do so as the issue is still not resolved. They just keep saying they sent the update and that they have done their part. This is impacting me negatively and delaying my approval for loans and other credit based activities in which Moneylion has yet to resolve. This error that Moneylion has been negligent by causing and failing to fix has caused me hardship, impacted me  negatively, financially, as well as caused me to be declined for a disaster relief loan for my XXXX  due to the error with my personal credit which is used as the guarrantee. I have provided screenshots, and neither of the people who I spoke with over the phone as well as email have not responded or acknowledged my concerns regarding my credit files still containing the error that they reported.

Company response to consumer: Closed with explanation