Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nav Technologies, Inc. (VA)

Hello this is From XXXX XXXX Owner of XXXX XXXX XXXX XXXX XXXX XXXX. 
We are a Sole-Proprietorship ( very small ) with no employees, a micro-Business. 

We discovered in XX/XX/XXXX from Signing up for an Account with NAV.com a service provider that sells Credit Reports to Lenders, and on the Business Side Shows us the 3 Major Small Business Credit Reporting Bureaus with their Risk Ratings : XXXX XXXX XXXX, XXXX and XXXX. 

Since XX/XX/XXXX We have been working on getting XXXX to correct our incorrect " D " Risk Grade that XXXX and Nav.com have been SELLING FOR A PROFIT about my company. Numerous Emails and Letters have been sent to attempt to Dispute and correct this problem. Both NAV.com and XXXX are SELLING OUR BUSINESS RISK GRADE FOR PROFIT and they ARE BOTH UNWILLING AND UN RESPONSIVE TO CORRECTING OUR BUSINESS RISK GRADE TO an A or a B to correctly reflect in the XXXX Business Credit report for my business, XXXX XXXX The Shipping Emporium. There is nothing more harmful than NO WAY TO FIX INACCURATE DATA AT NAV.com and XXXX as they continue to sell my disputed Business Risk Grade that is incorrect at a D making money on their errors.

Both of the XXXX Credit Reports for my company come back showing that we are an A-B Risk and that there are no Charge-offs or Bad Debt. In response, XXXX Business has sent us 2 Clean Credit Reports to prove that we do have an A Credit Rating. GA XXXX said that we have a good Credit report and have given us 2 copies, but XXXX  of XXXX said today that they are unable to get NAV.com or XXXX to stop showing that my company has A " D : Risk Rating '' even though we do not. And, even though our Business Credit Report from XXXX does not show any problems.

NAV.com is Profiting from Selling our Incorrect, slanderous and False/ Fake Risk Grade of a XXXX XXXX XXXX who is Education Director at NAV has said that there is nothing they can do to have an Accurate Risk Grade for my company. And, neither NAV.com nor XXXX Commercial have shown any information on our Business Credit Report, Rather our Business Credit Reports prove that we have an A rating. After 7 months of this entire File being sent to XXXX, NAV and to the Better Business Bureau and after 7 Months my Business Credit Risk is INCORRECT AT A D and IT IS BEING SOLD. We DEMAND THAT XXXX AND NAV STOP SELLING OUR RISK GRADE UNTIL IT IS CORRECTED. THIS IS HARMING MY REPUTATION. 

In fact, with all of ther Letters that we have sent and our attorney has sent we only received a response when filing a complaint at the Better Business Bureau in XXXX, GA. XXXX Responded that our Credit report was perfect and they Ignored the situation with our D RISK GRADE THAT BOTH XXXX AND NAV.com is selling.

This report is being made to CFPB about BOTH NAV.com and XXXX today because they are BOTH PROFITING ( ie Making a Fortune ) off of selling a Fake Risk Grade of a D when we deserve an A. In 7 months many excuses have been made, but no corrections. ALL WE ASK IS THAT XXXX AND NAV.com Correct my Company 's Business RISK GRADE THAT IS FAKE and INCORRECT AS a D today on XX/XX/XXXX as it was when I found it on XX/XX/XXXX and ALL THEY NEED TO DO IS CORRECT MY BUSINESS RISK GRADE TO the A-B that we have.