Consumer complaint received 2021-06-22
Company: STERLING JEWELERS, INC.
State: OK
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:
This information reporting on my credit reports has been a problem for years and I am tired of it. This account was opened and closed in XXXX as far I can remember but continued to report as if it were still opened and kept reporting wrong info every time it would update. My report from XX/XX/XXXX shows payments until XX/XX/XXXX with the status update showing XX/XX/XXXX and Balance update as XX/XX/XXXX then all of a sudden my report shows a status update as XX/XX/XXXX and balance update as of XX/XX/XXXX which means they backdated the balance and status updates by one year about one year later on my report from XX/XX/XXXX. The report on XX/XX/XXXX also shows payments till XX/XX/XXXX ( 90 days late ) and stops but previous report shows payments till XX/XX/XXXX and late payments only until XX/XX/XXXX which means they removed one late payment apparently. So far information is very inconsistent and has been. Then my report from XXXX XXXX all of a sudden shows exceptional payment history with no payments nor late payments reporting at all compared to previous report. Then the report on XX/XX/XXXX shows a different account type AND the date opened changes randomly from XX/XX/XXXX to XXXX XXXX which means they cant verify correct info if it is different every time and it is annoying and also no payment history again. My report on XX/XX/XXXX changes to a different account type AGAIN. Finally as of today XX/XX/XXXX my report is all of a sudden showing late payments AGAIN AND the balance update date changes a THIRD time this time from XX/XX/XXXX to XX/XX/XXXX. None of this information is consistent and is constantly changing which means they do not have accurate records and do not know correct info for the account. I did call Kay Jewlers and they stated my account was purged and they are having trouble locating it but when they finally did locate it, they told me over the phone my account was opened XX/XX/XXXX and closed on XX/XX/XXXX??? I was XXXX in XXXX so how in the XXXX could I have possibly opened a credit card account even if I wanted to?? The fact that they said the account was opened in XXXX just goes to show none of my information in their system is accurate and they can not prove accurate info. So why the constant inconsistent reporting of wrong info as well as changing dates on the account and payment history back and forth for the past three years if it was opened and closed in XXXX? I have disputed with the credit bureaus and of course they are no help because they never actually investigate the situation and instead use an automated system to verify info which is not proof of accurate nor verifiable information. They are not allowed to continue to report inaccurate, non verifiable, and inconsistent information so this needs to be deleted immediately from all of the credit bureaus as all credit bureaus are not even reporting the same info. PLEASE DELETE IMMEDIATELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation