Consumer complaint received 2017-09-08
Company: Avant Credit Corporation
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX and today XX/XX/XXXX I once again am trying to get this Creditor removed from my XXXX CREDIT REPORT, as it has been removed from my XXXX XXXX and XXXX  Credit Reports after my first dispute. XXXX XXXX and XXXX both confirmed by investigation and then removed deleted this Creditor from my credit reports. However, XXXX Credit Bureau refuses to remove them even though I have all the legal documents proving that Avant Credit is in violation of their own, " Settelment Contract that we did on XX/XX/XXXX. in fact, Avant Credit was allowed to contnue charging me as if the account had never been closed up into the last week ofXX/XX/XXXX. According to XXXX as was told to me when I tried to report this billing errors, " They said that Avant Credit has removed the continued billing on a, " Timely Manner '' therefore no actions would be taken against them. I disagree with this as it proves my point that there were major mistkes in Avant 's Billing Dept. and no one would take responsibility for these mistakes. " To prove my point even further, XXXX continued to claim that because there were many, many missed payments, " They could not remove this Creditor from my credit report. " I tried repeatedly to dispute this claim and to date I think I have disputed this Creditor like 10 Times now! '' Because of the history of my Billing History, I was able to prove as it is on their records as well that even on the Date/Month that I settled this account with Avant, " I was still listed as, " NO PAYMENT! '' And, of course that is grossly incorrect. On Our, " Agreed Upon Settlement Contract '' it clearly states in black and white, that this account is to, " FOREVER VOID AND NULL AND REMOVE, '' from my credit reports as they agreed to these terms by their own addmission. The Settlement Contract also states that this would be reflexed on my credit report, meaning the changes that they agreed to do with me! It goes on to state that, " At no time can anyone bring this account back because they made claim to have it forever voided and null and not to be disputed. When I saw that Avant Credit has been reoved from my XXXX XXXX and XXXX Credit Reports, I then attempted to dispute it with XXXX as they just would not remove it and I provided all the legal documents needed to prove my case and yet they continued to allow Avant to go on and continue charging my me as if the account was still, " Open '' which of course was very wrong, very illegal and very unethical as it was hurting my credit scores. So, I then took, " Snapping Tool Photos of the activity and attempted to report it to the Supervior in charge of my account and I was still unseccessful in getting it removed! In fact, this very same Supervisor who was in charge of my credit report, then went on to, " Lock-Up '' my account to the point that no othe employee could make any changes as they did try and help me but they told me that my credit report was completely locked up and this Supervisor was the only person allowed to make any changes! '' " This of course did not set well with me as this XXXX Fraud/Dispute Superviour and I landed up having negative words as I told her that I disapproved of her, " Work Ethics! '' I did not mean to say such mean words to her but I was very frustrated and upset that she would not accept the, " Settlement Contract as it was written. " I should not have to be punished because mistakes were made on Avant 's Billing Dept. 's Errors! ( It became very apparent to me that I has been correct when I tried to figure out why my Account was so messed up! The proof falls at the hands of Avant Credit as I am able to show, " True Facts '' in Avant 's Billing Dept. I will submit all these documents once again to XXXX, Avant and you all so, " EVERYONE '' can see what took place after I settled the account! What has happened is a grea injustice to me as I have suffered not only physically as I suffer from XXXX XXXX XXXX and I am on a XXXX XXXX under the Social Security Adminstration but I also have be XXXX  financially because XXXX refuses to accept the, " Legal Binding Contact '' I have with Avant Credit! My Conusmer Rights has been violoated and I refuse to accept this injustice as it is not right! What follows is what I had reported before : Please see that I have tried to dispute this account and get it removed from my credit report as it turned into a very, " Fraudulent Account! '' ( This letter describes in detail what has happened with this account. ) RE : AVANT CREDIT ACCT # XXXXX ( XXXX CREDIT REPORT ) XXXX Dispute File Number : XXXX AVANT CREDIT ACCT # XXXX ( XXXX CREDIT REPORT ) RE : XXXX XXXX Dispute File Number : XXXX AVANT CREDIT ACCT # XXXX ( XXXX  CREDIT REPORT ) RE : XXXX Dispute File Number : XXXX Dear Sir or Madam : To : XXXX, XXXX AND XXXX CREDIT REPORTS & AVANT CREDIT ; I am a victim of illegal, fraudulent activity by Creditor, " AVANT, '' ACCOUNT # XXXXX. I write to dispute the information in my credit report files which are the results of AVANT CREDIT 'S illegal reporting! I have repeatedly disputed this account and have submitted all the documents that show that this Creditor has conducted themselves in an unethical, unprofessional and illegal business monetary manner, for being a lending company! This account is a, ( SETTLED LOAN ACCOUNT ), but the relationship with me has not been correct and I tried very hard to reach out to this creditor repeatedly as you will see in my documents but my efforts remained, unanswered! I am using some of, " My XXXX Credit Report 's Records showing this account I am disputing plus the Contracts. Please note that any reporting transactions that were ever made after I, " Settled with, " AVANT CREDIT was fully AVANT CREDIT 'S actions! '' Nor did I authorized or condone " AVANT CREDIT 'S illegal standard of conducting business for ; " Again, being a, " Loan Company! '' AVANT CREDIT, continued to charge me as if the account was still, " OPEN '' and thus the payments continued causing even more, " Late Payments, '' as I did have some late payments on this account but when we settled had they done everything correctly it would have stood but at this point, it is clear that AVANT CREDIT, violated their own contract! '' According to all of the documents I saved this is what I am seeing and AVANT CREDIT still is ignoring the fact that they surpassed the legal disputing dates, and this is not legal to do! To the best of my knowledge, this continued into the date of XX/XX/XXXX ( UP DATE AND CORRECTION : XX/XX/XXXX) as you will see in one of the documents I am sending you all! We settled in full as agreed by both parties on the Contract on, XX/XX/XXXX as you will see in my documents. You all now have a copy of, " Our Settlement Contract '' and the other documents showing my account 's errors by Avant Credit. It is my belief and opinion that AVANT CREDIT, is not following the laws as stated in the, Credit Financial Protection Bureau ( cfpb ), '' and the, " Federal Trade Commission! '' For these reasons, I ask that you, please delete this Information/Account at the earliest possible time. Thank you in advance for your time in helping me with this account. Please reinvestigate this account and " DELETE '' the disputed item ( s ) as soon as possible, as all three of my major credit reporting agencies are suffering because of this. I have sent all the, " Contracts '' that, " WE '' did AVANT CREDIT, showing exactly the dates that legal business was conducted. In trying to reach out to you all numerous times, I am being forced to proceed further if I need to and submit all my documents to the, " Credit Financial Protection Bureau ( cfpb ), '' and the, " Federal Trade Commission, '' as it is morally and illegally wrong to allow you all to get away with breaking your own, " Settlement Contract! '' ( UPDATE : I even filed a complaint with the Better Business Bureau against both Avant Credit and XXXX  Credit Bureau and still I was unseccessul in my attempts to get anyone to abide by a, " Legal Binding Contract that is very clear in its description of what they allowed, which was this account was to be, " Forever Void and Null and Removed and at no time would anyone be allowed to re-open this account! '' " The Settlement Contract goes on to read ; These changes will be reflexed onto your credit report and the approperiate changes will be made! '' Later, I even received the Tax Documentation to file on my Taxes claiming the account was paid in full! ''

Company response to consumer: Closed with explanation