Consumer complaint received 2019-05-29
Company: Conn's, Inc.
State: AZ
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:
Went into Conn 's XXXX XXXX to buy a gas stove and queen size mattress and box spring in XXXX. The mattress and box spring were not delivered being too big for my room. The payment amount for all three of these items was XXXX. I told Conn 's I am not going to pay that amount as I don't have all those items. I was advised to go into the store items were purchased and have them remove the mattress and box spring to get my payment lowered which I did ( XX/XX/XXXX ) and spoke with Store Manger XXXX XXXX. My payment went down to {$81.00} effective XXXX XXXX, XXXX. All payments have been made on time. Conn 's is refusing to accept this contract stating I had a prior balance and the manager did not add to the new contract thus it will not be accepted. The store manager did not see any balance owing and neither did. ( see attached ). So because of this Conn 's has been reporting me late every month to the credit bureaus as I am not paying the XXXX/month but am paying the new contract with just the gas stove ( attached ) for XXXX/month. Conn 's Credit Bureau Administrator also was contacted and acknowledge this new contract but still saying delinquency still valid. How? I make my payments on this new contract on time every month. My credit has been ruined beyond repair as now all my credit cards have dropped by Credit Line bringing my original score from XXXX to almost XXXX all because of Conn 's reporting inaccurate information. If they feel an employee made an error in transferring some amount they say I owed that is not any fault of mine. I am paying what the Store Manger stated I owed now on the gas stove monthly and make all payments on time. So not only are they reporting delinquency on payments but the amount they are stating I owe is also inaccurate. I called Conn 's XX/XX/XXXX to make my payment and the CSR XXXX put in a ticket as she seen three contract two which have been closed out as paid, the one for the XXXX amount and in another system the current one with the correct amount and balance owing ( attached ) she stated she did not know why it was not in the main system and thus filed at ticket. How do you ignore a signed contract and then say you are going to pay for the one with items you don't even have and then report me as late to the credit bureaus absolutely running my life right now. This has called unbelievable emotion distress and defamation of character as I have worked so hard on my credit building it up only to have it knocked down by something of no fault of mine. Why would I pay all my creditors on time and ruin it by not paying one? 
I have also attached the letter from Consumer Relations Ms XXXX who stated that " I deserved '' to be reported late and acknowledged that I did go into the store and signed a new contract. I don't want to have to get an Attorney I want Conn 's to admit their mistake and correct.

Company response to consumer: Closed with explanation