Consumer complaint received 2020-01-02
Company: Bull City Financial Solutions, Inc
State: NC
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 spoke to one of your representatives on XX/XX/XXXX who told me to file this complaint. On XX/XX/XXXX, I submitted a complaint to CFPB about Bull City Financial XXXX. The company responded on XX/XX/XXXX stating that they would remove all collections from the 3 credit bureaus, and if there was a problem call them at XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I sent your response, Bull City Financial response, and the State Of North Carolina letters ( all attached below ) to all 3 credit bureaus. XXXX  and XXXX  removed all the collection accounts from my credit report, but XXXX  is refusing to remove the incorrect information. I called Bull City Financial on XX/XX/XXXX to ask for help. They informed me that they sent the removals to all 3 credit bureaus and that's all they can do. If XXXX will not remove them, it's XXXX  not Bull City Financial. Bull City asked me to give them authorization for any third party to call them so that they can tell anyone to remove them, and I did that. They told me to call XXXX  and have them call Bull City so that they can tell them directly. On XX/XX/XXXX, I called XXXX. They said that they received my dispute letter on XX/XX/XXXX and they tried to contact Bull City Financial, but they did not respond. They said that even though CFPB sent the resolution, and the fact that they received the State of North Carolina letters as proof that theses collection accounts are not mine and need to be removed per State Law, they said they can't remove them without Bull City Financial responding to their inquiry. I asked, what happens if Bull City does not contact them, and XXXX  representative told me that they would stay on my credit report. What good is the dispute system, if you supply government documentation showing that they are to be removed, and they refuse. After almost XXXX hours with the representative, I asked for their Processor of Service Agent, which she said she is not authorized to give the public. She told me if I wanted the information I would need to speak with a supervisor. I said fine, and was transfered to a supervisor who I waited for for another hour. The supervisor told me that they will not remove the incorrect information even with the CFPB letter, State of North Carolina letter or current laws. She told me they will wait until Bull City contacts them even if it means waiting the 7 years for the incorrect information to coming off my credit report. I told her that was not acceptable, and please give me the address and telephone number of their XXXX XXXX XXXX so that I can sue both Bull City Financial and XXXX, so that they can come into court and tell the jury why, with your letter and the State of North Carolina 's letters were not good enough for them. AFTER another hour, she finally gave me a fraudulent address and telehone number for their processor of service ( I tried to google the address and telephone number which said there was no such address and phone number ). They are hurting my credit standing by each day they refuse to remove the incorrect information, and not allowing the public to submit documentation from government agencies ( both Federal and State ) showing that these are to be removed from my credit report. What other or best proof can you submit to make XXXX  to make them happy, according to them nothing. All documents that were sent to XXXX are attached below. I don't know what else to do, but don't want to be in the middle of either Bull City Financial or XXXX. I have a tendency to believe Bull City, because if you use reasoning, why would they tell 2 other credit bureaus to remove the collection accounts, but only tell XXXX  to remove 3 out of 8. I believe XXXX  is using deceptive practices and credit reporting policies that are against at least State law according to the letter attached. I believe they gave me a phony address and telephone number to their Processor of Service intentionally. PLEASE HELP!!

Company response to consumer: Closed with explanation