Consumer complaint received 2019-06-24
Company: Real Time Group, Inc.
State: NY
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 previously submitted the following complaint : I have previously submitted this complaint. Real Time Resolutions ( RTR ) is the current servicer of a loan that had previously been serviced by XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX had reported the loan as a charge off more than 6 years ago. In RTR 's response to my complaint they attempt to claim that XXXX 's reporting was incorrect and that my complaint was directed at the wrong servicing company. Although I have never stated that the RTR they continue to take that position, and it appears that their only reason for doing so is to support their " belief '' that they are properly reporting the loan. I have requested XXXX to notify myself in writing, with a copy to RTR, confirming that XXXX ' prior reporting was in fact correct. This is a simple verification that RTR could have done with XXXX but they continue to fail and refuse to do so. I have obtained limited relief from XXXX who was able to determine that RTR was in fact a duplicate report of this account that had been reported by XXXX more than six years ago, and in fact removed RTR 's  reporting from XXXX. However, RTR continues to report the loan to XXXX  who to date continues to include RTR 's reporting on my credit, even though the prior charge off had been reported more than six years ago. I need RTR 's reporting of the account to stop immediately and for them to remove any prior reporting of this account. RTR should also provide any and all documentation provided at the time of transfer which indicates if this loan was in fact previously reported as a charge off, or if the account was transferred as a current account, not merely state their belief, that conveniently supports their position. Further, RTR should b e held accountable for their actions.

As noted in the complaint, I do not have a dispute with XXXX. RTR has for the second time responded that they believe they are reporting this properly, but once again fail to submit any documentation or other basis for their belief. When the loan was transferred to RTR the loan was properly listed as a charge off by XXXX. ( I HAVE NO COMPLAINT AGAINST SLS FOR THIS, and RTR 's ATTEMPT TO INCLUDE THAT IN THEIR RESPONSE IS TO MERELY SHIFT THE FOCUS AWAY FROM THEIR ACTIONS.

RTR is well aware that this loan was a charge off prior to their obtaining the service rights for this loan. That charge off was reported for more than 6 years. RTR did not start reporting this loan for many month after the acquisition, and their reporting of an old derogatory item that is ready to be removed from my credit history is patently unfair. THIS IS NOT THE FAULT OF XXXX, THIS IS SOLELY DUE TO THE ACTIONS OF RTR AND THEY MUST STOP THE REPORTING IMMEDIATELY. 

Thank you for you attention in this matter.

Company response to consumer: Closed with explanation