Consumer complaint received 2021-02-28
Company: CBC Companies, Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/XXXX, XXXX XXXX filed a judgement against me in the amount of {$580.00}. 
Principal Balance $ XXXX+Court cost $ XXXX+Service of process+ {$40.00}. 
Through two garnishment of my paycheck they received XXXX. ( XX/XX/XXXX, XXXX {$250.00} & XX/XX/XXXX, XXXX {$430.00} ) XX/XX/XXXX. I applied for a mortgage loan. I was preapproved for an amount and was able to start looking for a home. 

XX/XX/XXXX, XXXX Along with many steps that are taken to be able to make cash offers, my lender reviewed my account and noticed and advised me that per XXXX XXXX I have a judgment against me from XXXX that has never been released from my credit making it appear as though I have never paid on this outstanding judgement. 

XX/XX/XXXX, XXXX- I called the local office. They advised me that I had a balance there and confirmed that I still have an active judgement. The assistant conversed with her apparent supervisor and they started that they will look into it. After reviewing my paystubs for that pay period I saw where the judgement had been paid, however I was unable to get to the local office before they closed. 

XX/XX/XXXX, XXXX-I called the office and let them know that I have the evidence that I paid this balance off, and even though the balance appears to have been overpaid, I should not still have this on my credit as an active garnishment, especially 6 years later. 
The Assistant told me that she also found receipts that show that this has been taken care of. I asked her for the documents showing my judgement release and if I do not receive this proof I will be denied this line of credit. She told me she had one and all the documents are waiting for me. I arrive and I go through the papers, She gave me 2 receipts and the actual judgement paperwork that was filed with the courthouse. I asked for the judgement release. She stated I do not have that, but the documents should be enough. The supervisor then stood up and said that they are not required to send that stuff in, its more of a courtesy, she also advised me that until last year she didn't even know that judgement releases were " a thing ''. The assistant said I am sorry but this is all I can give you at this time. We will call you once this is handled. 

XX/XX/XXXX, XXXX I was denied credit due to not being able to prove that this was no longer an outstanding garnishment. 

As on XX/XX/XXXX, XXXX XXXX has no reached out to me. This is still on my credit and I will not be able purchase a home until this is removed. It's sad that not only do these things report to your credit, but they are hidden from the consumers eye. Had I known this was on here I would have tried to get this removed before I wasted my time applying for a loan not to mention the points I lost by obtaining such a hard pull on my credit. 
What also saddens me is the assistant told me that she calls the courthouse daily and they continue to file suits against customers. While she told me this to help assure me that it will be handled within a day or two, I cant help but think, who else are they doing this to, and why wouldn't you fix the customers credits that paid you off?

Company response to consumer: Closed with explanation