Consumer complaint received 2017-04-30
Company: Texas Guaranteed
State: TX
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:
XXXX  has completed my disputes but the results are just as incorrect and I 've filed disputes multiple times. I can honestly see that   XXXX   is letting a computer determine the results because they do n't even make sense. When I call the executive office, they do n't really want to help, the only thing they want to do is argue. There are multiple incorrect accounts of which  XXXX  creditors are reporting incorrectly. The first  XXXX  is  XXXX  Bank, they have violated their terms and agreement and the late payment that was reported is incorrect.  XXXX  Bank has been reported to the FDIC for the improper conduct and the late payment was removed from  XXXX  and  XXXX . The second Creditor is    XXXX   XXXX   XXXX  , they sold th e account to  XXXX  collection Agency and as a result that TERMINATED the company 's legal right to continuously report. I 've sent in the info to show that the account was settled and closed in    XXXX   XXXX   XXXX  ,  XX/XX/XXXX  has yet to update and correct the account as closed. The third  incorrect Creditor is   XXXX  ,   XXXX   is incorrectly reporting that the account is still being charged off As of   XXXX   XXXX   that is incorrect the account was settled and closed in   XXXX   XXXX   XXXX  ,  XXXX  has yet to correct this. I know it 's not  XXXX  's fault because it 's been corrected on other bureaus except  XXXX . The last creditor is  XXXX . On  XXXX   XXXX   XXXX  has incorrect and mismatching information which violates several FCRA laws. I 've disputed and complained, sent in letters and the  XXXX  accounts are still incorrect. Multiple months are missing payments and it says ND ( no data ) instead of OK. That is incorrect and a violation. The fifth Creditor that is reporting incorrectly is Texas Guaranteed  XXXX   XXXX   XXXX . This was not a collection account nor charge off in  XXXX . The account was paid and closed in  XXXX . It has a negative payment for the month of  XXXX  when it was clearly paid off and closed. Another reason how I know it 's incorrect because the  XXXX  of  XXXX  does n't allow individuals to consolidate a student loan that is in DEFAULT. These companies are clearly violation FCRA. Experian is allowing the Creditors to report invalid information in addition to reporting and coding certain incorrect information on the credit report in order to recieve a profit. I 've asked several humans/managers/supervisor to look into this And not to let a computer decide, instead the only thing they do is dispute and let a computer decide. It 's a disappointment because  XXXX  line of the   XXXX    Mission Statement says " transforming our relationship with consumers and delivering growth consistently ''. Honestly, they 're not doing any of that for me and shows the company is not following their own mission statement. I hope THESE issues can get resolved quickly so I can have a chang e of  XXXX .

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