Consumer complaint received 2022-12-10
Company: American First Finance, Inc.
State: GA
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:
I've recently disputed with XXXX on several occasions for an account named American First Finance and they've failed to investigate properly with the disputes I've been sending in to them. If they did investigate properly they would see that American First Finance has continued to say this account was verified in which it hasn't been and continue to have inaccuracies time after time. These are violations that the CFPB are not pointing out to XXXX and by law this account should have been taken off my account with XXXX by now. I intend on suing XXXX for defamation of character by not properly investigating the matter 's in which I keep disputing with them on dealing with American First Finance. After American First Finance sees this report and changes are not made legal actions will be taken against them as well because this is not my account and they continue to report this account on my credit profile. I don't have anything on my credit profile besides a secure credit card which is here to help me build credit. By keeping this account showing on my credit report as a charge off has hindered me from obtaining credit with lenders because of the inaccurate information showing on my credit report which indeed is not mines. I have a list of inaccuracies that have not been updated within 2 months of disputing. Also American First Finance can't Keep saying they updated my account properly and they have not done so. I will not be settling out of court at this point and I'm asking for punitive damages and financial compensation if American First Finance doesn't take this off my credit report as well as XXXX. I would like to paid for every inaccuracy that hasn't been updated since XX/XX/2022 If this account is not taken off my credit profile. 

If my account is updated properly why was interest added on to a charged off account years after it was first charged off? 
I have proof showing the amount they say I owed before I disputed that account on XX/XX/2022 and also I have proof showing money added to to the balance after disputing with XXXX. Interest can't be added to a charged off account if they didn't properly notify me in the contract in which I never signed because this is not my account. Also under the Truth of lending Act they were to properly notify me of any balances on the account. Being that they didn't even have the correct address for me how would they even been able to notify me of any balances they say I owe. Furthermore that much interest isn't allowed under Georgia law after 2 months from XX/XX/2022 when I first disputed this account with XXXX to the time it updated in XXXX of XXXX. If American First Finance claims it's not interest that was added to make the balance go up after 3 years then thats another violation for them not accurately reporting the correct info on my account with XXXX after me disputing this balance time after time. So which one is it, did American First finance report inaccurate information to the credit bearueas month after month about my balance or they inaccurately charged me the wrong amount of interest from XXXX of XXXX  to XX/XX/2022. If they've updated to my account correctly time after time with XXXX then these inaccuracies would have been updated without me having to point them out. 


Another violation is how they continue to report a charge off every month in my payment history. Once an account is closed and charged off, it shouldn't show up every month in my payment history as a charge off. The date of last activity should have been the last payment made on the account by me. I have proof of this inaccuracy but every month I dispute with XXXX, American First Finance is telling XXXX they've updated my account properly. If XXXX would have thoroughly investigated and realized American First Finance is not accurately reporting this account on my credit report this account would have been removed by now because time after time it's reporting inaccurately to my credit report. This is a violation of my consumer rights. 



Another violation is that American First Finance is showing a address In which is different then the address in where I stayed at at the time they leased out that furniture. Ive spoken with several reps at American First Finance also and when I ask the general question on do they allow customers to pick up furniture with their own trucks from their store when leasing items that are big as couches, their answer was no if it's being leased, they said they want to ensure the furniture to be delivered to the correct address. I have all of this documented as well. That tells me that the furniture was delivered to another address and I never received those items to begin with if I had an account with them. I've shown them proof of this address and they continue to allow American First Finance report this account on my credit profile after all these violations and after all the times I've been disputing since XX/XX/2022. How does one continue to say they are accurately reporting correct to the credit bearueas about an account and every month I'm showing XXXX a different inaccuracy on my credit report from American First Finance? XXXX is ignoring these inaccuracies every month that American First Finance is reporting to them also. 

Something has to be done and I'm now holding the Cpfb accountable as well for not making sure XXXX is making sure American First Finance is not violation my consumer rights by allowing them to report inaccurate information on my credit profile every month. This is defamation of character on American First Finance part as well as XXXX and soon it will be Cfpbs issue as well for not penalizing XXXX for continuing to allow American First Finance to report the wrong info on my credit profile every month after disputing and showing proof. Enclosed is proof showing my address at the time they say I had an account with American First Finance, proof a balance was updated on a charge off account 3 years later with XXXX, also proof that American First Finance is showing in my payment history that it's a charge off every month basically making it seem to other creditor 's that this was a recent charge off which indeed distorts my correct score whenever I populate one. 

This account should have been taken off my credit report long time ago after they continue to report incorrect info on my credit report. I've never done business or signed a contract with America First Finance.

Company response to consumer: Closed with explanation