Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ADIR INTERNATIONAL, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The reason for this letter is to put in record for there is some conflict, as what the nature of my complaint with the nature of the current lawsuit or litigation which XXXX XXXX XXXX has been assigned On the matter XXXX XXXX XXXX has combine two complaint into one complaint which is irrelevant to what has been my request all alone. 

I am surprise for their conclusion and affirmative and the only correct answer which undermined my right of my genuine request for resolution. 

Not having have a fair course of action where you will need to hear the other side which suggest base on your accusative and unethical allegation which again under mind the nature and my rightful right for that. 

No having have a proper and accurate investigation, which to this day there has not been any respond from the party which the demand was requested before your firm was assign to represent them. 

As in this case you are responding to the CFPB to a complaint I have file which if you have read it, it clearly stated what is that I am asking for XXXX to respond and to correct, I am not making false accusation, If they have responded accurately which they have not responded at all, but if you can proof they have then why is not show they have? 

I was incline to respond to your letter as CFPB is not a court to determine or inquiry who is right or wrong, but I believe their purpose is policing weather or not a firm, is conducting as the law is in place for that case I am not disputing the account not to be mine to the contrary, I am disputing the information which you dont mention on your letter. 

I can understand why XXXX and now that your firm represent then his not getting a grip of it no acceptable, and this is why, because no having to review what again the suggest of my complaint file with CFPB and the Attorney General, The Credit Bureau all the 3 agencies, the consumer affair for XXXX XXXX. 

If there was done an accurate detail review then you will find that there is a valid violation on reporting to the credit bureau, which my reason to file a complaint with the CFPB has the authority to review particularly to an account that was declared as a charged-off account which is valid, that has not been my issue or my demand for clarification, and again I am going to explain one more time on a brief summary what the issue is even if it a bit long the actual history of the event the summary should provide the meaning for your firm to evaluate that as is the law who mandate that is not, but is me who has the right to demand for clarification, and is the creditor to respond either way to any result they believe or disagree but that need to be put on paper, dont you agree? 

In order for this to start accurately for your firm to get a grip You and I will need to establish what the nature of the problem in violation is and your firm will need to provided or have the answer to the following so that we can go forward here they are 1. Date when account was reported to the credit bureau and became a charged-off account? 

2. When the account was reported closed? Date and month? It should be the same time when it was charged-off 3. What was the balance on the account? 

4. How was the balance calculated? to affirm the accuracy 5. When was the first data date reported of delinquent was reported? 

6. What was the credit limit on this account before becoming delinquent? 

7. What months the creditor have on their file, date and months, was that reported? This is asking no when I say I paid is what records do XXXX have that has been confirm a credit to the account 8. Account type? Meaning one owner, joint account, authorize user if any? 

If you think that what I am asking is no between XXXX responsibility to respond then please put it writing, but they have respond to that, and in order to put and end to this so that this can get resolve your client is required to respond, again I am not disputing the account itself of the charged off result what is ask is how all the question that are ask for their records, I am requesting that because Two factor and is for an account that is reported Charged off on is a one time reporting unless there is any changes, but changes as balance amount, credit limit late payment amount payment due does not change, it should remain the same, again unless payments are made the account gets update. 

The second factor when a charged-off account following the first report as a charged-off anytime after that that there changes to it is what is call manipulation to make the event as very resent therefore each time that takes place is not consider accurate reporting as you claim they have and are when reporting account to credit bureau, what that does it making score lower and lower, and that is what they have done for quiet sometime. The intention of credit reporting bureau is no intended for that type of reporting and revenged if an account have not been paid or was paid. 

As you can see my complaint has not relations to the current lawsuit against your client and you see that this was no event presented on the declaration either This is what I have ask for XXXX to confirm with me, is not that the account is not mine, there is more to it and has long as this in not clarified then they are in violation of the account been reported and why because it is documented with the credit reporting bureau, the activity on this account that is permanently record which I have record but you can confirm that with them, considering that you have accuse me with perjury either way XXXX still need to correct this, but because they reported in many many times with intend of ruin my credit file by changing the date which I will attach documents for your review I am not disputing it, but there should be a date when that took place and that date does not change. 

I assume base facts that are inaccurate, misleading, accusatory, abuse of power argumentative and defective base in fact that has not correctly been handle is undermined the due process. 

With that said I will also like to request making accusatory remark of facts when is your story none mine, is unethical in the way you as not having regard, to someone else respect I refer to the correspondence document send to CFPB which you have state several accusation that is defamatory in character you are undermined my privacy. 

With all my respect to you please be mindful of that and please respond to my request, and if not the reason why no, then your client need to remove that account all together from the credit bureau if they can not verified that, is the law Thank you! 

Respectfully

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