Consumer complaint received 2022-10-09
Company: Atlanticus Services Corporation
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Aspire credit card has reported my XX/XX/2022 as late on both XXXX and XXXX. I spoke to an Aspire  agent on or around XXXX and advised the agent that they wrongly reported my card payment late for XX/XX/2022, to both XXXX and XXXX XXXX He did research and agreed that this was an accidental error on Aspire end. He said he would note the account about this error and would try to get it corrected. I advised the agent that I would be also disputing this error with XXXX and XXXX. Which I did dispute this error on or about XXXX XXXX updated my report to XXXX being current on or about XXXX. XXXX updated my report to being current and ontime for XXXX on or about XXXX. My credit report for both XXXX and XXXX updated to XXXX being paid on time and my XXXX XXXX reflected the correction. Assuming this error by Aspire Credit Card had been corrected I was happy. 

Then on or about XXXX, I get an email from XXXX saying the Dispute is complete. Thinking nothing of this, and that the issue was rectified given the update on XXXX I did not research this at that time. 

Then on or about XXXX I get an email from XXXX saying the dispute is complete, again thinking nothing of this I did not research it at the time. 

On or about XXXX I checked my Credit report and saw a major drop in my XXXX XXXX on both XXXX and XXXX. Admittedly I freaked and immediately researched the cause of this drop. My XXXX Aspire payment had reverted back to XXXX days late and XXXX was a missed payment by them. So on or about XXXX I filed a dispute with both XXXX and XXXX in regards to this error once again. 

XXXX completed the second dispute one day later on XXXX and now shows the XXXX payment as missed and 60 days late. Even worse now XXXX completed the second dispute on XXXX, and still shows the XXXX payment as missed and XXXX days late. 

I immediately called Aspire on XXXX at XXXX XXXX XXXX  XXXX the call was approximately 13 minutes. and explained the situation. I was placed on hold for a period of time and The agent once again confirmed there was an error on their end and to quote the agent sent to the back end for correction my issue with this is the agent was very vague when I asked if this was from the previous call or this call.. The agent really didn't specify, I asked for an email confirming and stating this and the agents reply was it will take 60 days to correct this on the back end, then you'll get an email ( whatever that means ) Feeling as though, I couldn't just take this aspire agents word I asked for the agents name ( the agent said her name was XXXX but then spelled it XXXX ) I asked for an employee number and the Aspire Agent Said her number was XXXX. I really dont have much confidence that I was even given an accurate name or Aspire Employee Number.

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