Consumer complaint received 2022-07-13
Company: Army and Air Force Exchange Service
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Company ignored multiple issues and left them unresolved from my last complaint. I want a human to review my complaint and research my issues, not a computer. I am trying to avoid having to file a lawsuit over inaccurate information that violates my FCRA consumer rights. My issues are numbered here, because I expect XXXX to address each and every item on this list of issues. Not just pick and choose what it wants to address and ignore all the other fallacies. # 1. There are incorrect remarks on my XXXX XXXX revolving accounts ending in XXXX and XXXX, as well as my XXXX XXXX auto loan. All three of these accounts have the remarks 'account previously in dispute. ' That is a lie. I never disputed those accounts. # 2. Military Star is NOT correct, so long as only years with negative payment data are reporting. You are not allowed by law to only report negative payment history and not report the positive payment history. So I want my complete payment history reported from Military Star, or no payment history reported at all. I had that card for XXXX years, and you're only reporting the two years where there was negative information. That is wrong. That is a FCRA violation, and you are obligated by law to fix it. # 3. My First Savings Credit Card has none of my flawless payment history reported. # 4. One again, another instance of only reporting negative payment data and no positive payment data. I had years and years and years of flawless payment history with XXXX XXXX. Yet, you are only showing ONE payment late for 60 days and no positive payment data. You can not do that. That has a false negative impact on my credit score when calculating the ratio of my on time payments. You must report the entire payment history reflecting all positive payment data, or no payment history at all. You CAN NOT only report the negative payments and refuse to report the on time payments for an account.It is highly unethical to only report negative payment information in the absence of the positive information. XXXX, I had nothing but on time payments with them and none of them are showing up. If they don't have a reliable enough account of my payment history involving on time payments than they have no business reporting late payments if they are so unsure of my payment history. I want the positive payment history reported for these accounts, or to have all negative payments removed and no payment history reported at all. There are many accounts, such as my XXXX and XXXX installment accounts, that you are not reporting my flawless payment history. You have picked and chosen accounts that only have negative payment histories to report with the exception of my currently open accounts. That is unlawful, unethical, and you must stop doing that. # 5. The issue of deleting my entire credit file and having my score bounce from the XXXX, down to XXXX, up to the XXXX, back to the XXXX through absolutely no fault of my own causing me to do denied for housing needs to be addressed. How about an apology for what you put me through? How about taking some responsibility? How about letting me know what steps are being taken to ensure this never happens again? Lastly, why are you allowing companies like XXXX XXXX and MILITARY STAR CARD to be so spiteful and only report derogatory information on my accounts in complete absence of the years and years and years worth of flawless payment history I had with the both of them? Given that all of these companies have been notified that after this negative information occurred I was medically XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX veteran? If they were ethical they wouldn't be reporting adverse credit file information about me at all. But to take the extra, extremely, unethical and illegal step to ONLY report adverse credit file information in the complete absence of the years of faithful on time payment history is nothing short of alarming and violates my federal consumer rights. You're welcome for protecting and serving all of you. Thank you for showing me how much that means to you, as you sit in your comfy offices without the excruciating pain I live with each and every day. You're welcome. CFPB, do not forward this complaint outside your organization. This is exactly the kind of complaint you are in charge of, evidenced by the drop down boxes saying so, and I do not want my complaint forwarded to another agency.

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