Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
Company 's Response In the case of XXXX XXXX XXXX ( XXXX ), complaint number XXXX, we have investigated this matter with the full cooperation of the franchise-owned CNAC. XXXX XXXX is disputing the validity of her account reported to the credit bureaus. XXXX XXXX ( XXXX ) purchased a XXXX XXXX XXXX XXXX on XX/XX/XXXX from the franchise-owned Byrider location on New XXXX XXXX XXXX XXXX, NC. XXXX XXXX defaulted on her retail contract, and her vehicle was subsequently repossessed on XX/XX/XXXX. The vehicle was sold at auction, and the proceeds were applied to the account, leaving a deficiency balance owed of {$8300.00}. The account was charged off on XX/XX/XXXX. CNAC has carefully reviewed your recent dispute as well as your prior submissions. In accordance with the Fair Credit Reporting Act ( FCRA ), a thorough investigation was conducted with the XXXX XXXX and relevant sources. Based on the results of our investigations, we can confirm that the information in question is being reported accurately. As the reported information has been verified as accurate, no changes have been made to your credit file at this time. Please note that repeated disputes regarding previously verified information may not result in further reinvestigation unless additional, relevant documentation is provided. 
Feedback provided Status Feedback provided on XX/XX/XXXX Your feedback The companys response addressed all of my issues No I understand the companys response to my complaint No The company did what they said they would do with my complaint No ADDITIONAL COMMENTS I want a detail account documentation which actually shows the transaction because it was on direct withdrawal from the third-party bank. This is almost an identical account to the fraudulent one its already been deleted. Theyre both 34 %. Everything else is identical. Oh and show me that {$300.00} payment. That allegedly happened XXXX XXXXYou can validate the balance with missing variables. Its factually false. And what information did you submit to certify the accuracy of when it was put back on my current report in XX/XX/XXXX? How do you justify opening a close account five years later? How do you justify being reported as charged off and open at the same time??? Once again factually false. And other than pure harassment, why does it keep updating the charge off every single month? You can report something monthly, but you dont change the status of it monthly because that is re-aging and that is illegal. So stop just reading what you see in the computer and actually investigate it like youre supposed to. But you can start with showing me the transaction for the last payment of {$300.00} that allegedly took place XXXX. Well see how much you investigated it. 
What happens now? 
The complaint process is complete and your complaint is now closed.

We have taken the following additional actions on your complaint : We added your complaint to the CFPBs Consumer Complaint Database.

Your feedback, and feedback from others, helps us understand how companies are addressing concerns raised by consumers in their complaints. We will also share your feedback with the company. 
We have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies. 
We appreciate your participation in the complaint process and your feedback on the companys response. Both are important to us and consumers who XXXX have similar issues and concerns.

Closed The CFPB has closed your complaint.

In respone to this then why is the account reporting open?? 
Why is that last status update, status update, not reporting date, XX/XX/XXXX?? 


The last payment is reallocation from your co-conspirator in Illinois, CNAC IL. SInce you cant delete a payment in XXXX XXXX but you can reallogate it. CNAC IL reallogated the XXXX payment that they said I did not make, but I did make, to CNAC NC in XX/XX/XXXX then changed to XXXX XXXX. 

This proves you do not investigate your disputes but just compare them to whats in the system. FCRA violation in itsself right there. You also increase the the likely hood you will now be implemented in money laundrying. Since you refused to correct the bad acts of another and just suplimented your self and your business into it. In addition to harassment and financial harm to persons. It will be seen you have a high likely hood of repeating. 

XXXX XXXX.... this all will be reported to the secetary of state, irs , fbi .... all over concealing {$300.00}.

Company response to consumer: Closed with explanation