Consumer complaint received 2019-12-01
Company: Army and Air Force Exchange Service
State: TX
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:
XXXX, XXXXXXXX XXXX or FICO are not updating information properly on my profile. And it is causing a severe financial hardship. 

XXXX XXXX XXXX has been paid off since XXXX and it stills shows I have a balance XXXX XXXX XXXX keeps renewing a collection that was never proven to mine but has been indeed identified as identity fraud and is still able to report information on my credit report as if its a current collection when it was a collection that was removed and bought by another collection company dated back in XXXX. They stated I lived in a false address that I've never lived in..however that address is a location of base but not the physical address of my location and many military members have been victims of this because the address is a address affiliated to the location of the base but is NOT an physical address of any member located or stationed at that base as that base has individual addresses within the base. this company has harassed me with the name of XXXX XXXX and wrong numbers and tried to have me verify information to try to prove their case more accurately to collect money from me that i do not owe. They've been doing searches to try to solid their information because their information in the beginning was inaccurate. And every time they have been disputed they disappear and reappear again and they reappear on my credit report as its a new establish collection but in truth it's a collection that was removed almost 3 years ago which is playing a heavy part of defeating my credit score. 

XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX This company is being reported as charged off on my credit report but that's in impossible because i have automatic payments coming out and the other card was paid. I've sent the credit bureaus copies of this and they still report it as a charged off account which is not accurate. One of the cards were closed base of the company 's policy not by member. member has automatic pay dating back from XX/XX/XXXX. This card was never late as it automatically paid. 

XXXX XXXX XXXX XXXX Was proven to be a false account against member but is still reported as accurate information. It was proven based off the time the member resided at the location. The member wasn't at the location 1 year and half after this report was sent out the account was reported in which the member was still living in location when information of XXXX  orders and location of new address proved that member was in a whole different state during the billing time the company sent reporting and the company failed to provide accurate information connecting member to this account. Inaccuracy by the company and lack of accountability of the company who reported it. Member is not legal responsible for this account and this information should have been updated and removed off his credit report. 

XXXX XXXX account is being held as a late account when account is paid in full and proved it was never late from almost 8 years ago. 

XXXX XXXX reported 90 days vehicle payment late however member did call bank ahead of time that it would be a possibility that this may occur ahead of time and had provided to the bank that he was a military member deployed and was injured in the line of duty and was XXXX retired and could not make payments because of hospitalized  because his of injuries during wartime of defending our country. He then paid in the same year his debts up. And this was because it took time for the military to execute retirement payment so that member could pay bills. This should be excused based on the contingencies of military member pause in pay because they don't get paid with the immediate release out of the military at the same time military member did take care of the issue immediately after as bank requested. Member has been up to date since then. 

XXXX  XXXX XXXX same issue with vehicle payment above. 90 days vehicle payment late however member did call bank ahead of time that it would be a possibility that this may occur ahead of time and had provided to the bank that he was a military member deployed and was injured in the line of duty and was XXXX retired and could not make payments because of hospitalized because his of injuries during wartime of defending our country. He then paid in the same year his debts up. And this was because it took time for the military to execute retirement payment so that member could pay bills. This should be excused based on the contingencies of military member pause in pay because they don't get paid with the immediate release out of the military at the same time military member did take care of the issue immediately after as bank requested. Member has been up to date since then. 

XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation