Consumer complaint received 2021-08-28
Company: Goal Structured Solutions, LLC
State: CA
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:
XXXX XXXX XXXX XXXX Correspondence : XXXX XXXX XXXX XXXX XXXX, SD XXXX This a long and involved issue that began in XX/XX/2018 with this merchant. I filed a Chapter XXXX Bankruptcy in XX/XX/2018. That merchant launch servicing has consistently reported that account in various different statuses to the credit bureaus. I have filed countless disputes with each credit bureau because the merchant is not reporting the information correctly. I was never notified by the merchant in writing, by phone or email ( especially email, because I moved to California at one point ) concerning the status of the account. As a result I was not able to determine the status of the account and the true debt that was associated with this contract. Due to it being litigated in a Bankruptcy the status and nature of the account balance was never truly understood until the date of discharge, at which point the creditor was notified that I did in fact owe them a fractional portion of the debt. Nevertheless the reporting was not ever maintained or reported correctly during the Bankruptcy period or after the date of discharge. I have attached screenshots from each Bureau detailing the reporting that is kept for this account. One account is reporting null information, one is reporting that the account has been late and over 120 days late for over a year when this is not the case and another account is reporting that the account was late until the date of discharge. The XXXX score is significantly lower than my other scores and this is impacting my ability to get housing with housing providers in California who are referring to my XXXX report. I have sent countless emails to this creditor and have had conversations with this creditor on numerous occasions, only to be sent some kind of response that does not address what I am discussing with this merchant credit agency. I recently notified this creditor that if they did not correct this information I would report this information to the FTC and sue them for breach and trespass consistent with the Fair Credit Reporting Act. I am being impacted negatively by this reporting as I have stated. I am attempting to purchase a home and get housing in the midst of a pandemic and this reporting is not accurate or fair to me as a consumer. This is my final attempt to resolve this issue outside of a court room where I will seek specific performance and an injunction consistent with their reporting behavior, causing for a rebuke in their abilities to report by and through credit agencies as well as obliterating an records of this merchants relationship with me as a consumer. I have been very patient and they have consistently failed to address my requests and have continued to be incompetent and inept in handling this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation