Consumer complaint received 2023-08-11
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX has a serious issue with their website. you go to the prompt called dispute and you can't do anything other than update? How do you get your info updated on XXXX  website? They have all of my info, some right mainly most wrong... but they do not have this info that shows correct documentation nor the issue of the disputes. nor can you place any uploads to show that you creditors is breaking laws under the fair credit acts. 
it's really a shame that we the USA has such a horrible consumer abusive credit system. we really need a better system. Consumer protection why have these unreliably credit bureaus, save us taxpayers some time and money by closing them and just you guys the consumer protection run things, we consumers must always come and cry to you people anyway because these horrible 3 national credit bureaus never get anything most right, they ruin consumers lives, they allow massive inquires and then the consumer like you will see samples of must suffer. I am sending you the exact same info that I need for the CPA to get tough with XXXX to get them to do my updates plus get a better website for consumers to upload info. Cut us consumers a break huh ... I know I only speak for me that I am sick and tired of paying for lawyers to see letters of possible civil litigation due to violating the unfair credit acts in this XXXX  XXXX economy, can we all get on the same page so I can have money so I don't have to keep hiring consumer attorneys? this way, I can have more money left on my small paycheck to pay my bills on time does not lose my apt . and can not get another apt . in my name due to faulty info on my national credit reports. I need for XXXX bureau to know what is going on with my credit report. Here we go... 

UPDATED Address : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Ohio XXXX ( since XXXX ) I am filing federal trade commission ( FTC ) disputes against credit bureau agencies XXXX XXXX XXXX XXXX XXXX XXXX for purposely posting false and inaccurate no non-sense inadequate info onto my XXXX, XXXX and XXXX credit reports. 
XXXX credit bureaus staff are careless and lazy and is continuing to ruin my credit profile by constantly lying posting bad things on my credit reports to keep me from gaining any NEW Established credit with creditors and or renting an apartment lease after filing bankruptcy. I deserve a fresh start such as any other consumer. I HAVE HAD ENOUGH of the unfair credit bashing against me from all 3 National Credit Bureaus PLUS XXXX XXXX for no reason., All 3 credit bureaus are continuing to bash my reports with nothing but lies. Please NOTE : I only have one acct. open with XXXX XXXX ONLY! Its current and thus far... never late. XXXX... XXXX, please act and ENFORCE these 3 National CREDIT bureaus plus XXXX XXXX XXXX to STOP placing lies on my credit reports ASAP! OMG, let these 3 Nationals Credit Bureaus plus XXXX  XXXX bureau tell it to the CREDITORS, Bureaus are telling creditors my credit ratings are in complete bad dire straits with all creditors on my credit reports WHICH IS FALSE! Seriously how can this poor credit scores after paying of $ XXXX of student loans OFF have this kind of poor and I mean XXXX poor kind of a XXXX scores on all of my credit bureau files? HOW? Even when I only recently have filed bankruptcy on XX/XX/XXXX. I have been discharged and now there is only 1 ( ONE ) creditor AND THATS XXXX XXXX XXXX my recent car loan PERIOD! Neither one of the 3 credit bureaus NOR this fake company called XXXX XXXX dont have not one thing correct on my credit file. 
I have asked the FTC to investigate another so-called creditor that is not allowed at this time to be on my credit reports. The Creditor is Consumer XXXX XXXX company for practicing Bad car loan Dealership/Finance cc : XXXXXXXX XXXX XXXX. I call myself buying a car from XXXX on XX/XX/XXXX. 
Both Parties involving XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( XXXX Ohio XXXX ) did an illegal deal because both parties knew I had just filed bankruptcy which makes it hard to get a decent car loan other than scammers like XXXX XXXX XXXX claiming that they will help you restore your credit. When I called myself buying the car from XXXX Auto dealership om XX/XX/XXXXXXXX  I could not even get all of the automobile papers that came with the car when I first made the car purchase. Here are the copies of the only papers I received after signing massive papers to take car off the car lot of XXXX XXXX XXXX. I signed over 20-25 documents after I so-called bought the car. ( Documentations attached ) Then you have the XXXX  Agency that finance my school XXXX XXXX wanting me to do their job for them constantly phone harassing me then placing lies on my credit reports says I am now in DEFAULT? When I am not in the DEFAULT because all loans have been discharged as well as my XXXX Loan for attending the XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) on XX/XX/XXXX. Please go after the XXXX XXXX XXXXXXXX loan agency for lying saying that I am late on paying my school loans when in fact all my school loans including the loan, I had for XXXXXXXX XXXX XXXX is paid off in full. 
Documentations attached )

Company response to consumer: Closed with explanation