Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GREENSKY OPERATIONS, LLC
State: NJ

Complaint narrative:
I have disputed through the reporting agencies and with GreenSky directly. Neither the agencies or Greensky have conducted and finished the investigation and corrected the inaccurate reporting. Greensky continues to email me with the same email stating that they are investigating my disputes yet they have never finished it. Now they are sending the same response by mail. 

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/year> GreenSky Attn : Customer Solutions XXXX XXXX XXXX XXXX, GA XXXX Subject : Cease and Desist Contact and XXXXequest for Written Correspondence Dear Customer Solutions Team, I am writing to formally request that you cease and desist from contacting me by email at XXXX or by phone. Please provide all future responses and correspondence in writing to my home address at : XXXX XXXX XXXX XXXX, NJ XXXX Your daily emails and calls at all hours are now considered harassment. You continually reiterate the same points in each communication, and despite all disputes being sent to the reporting agencies with carbon copies provided to you, nothing has changed. 
I have already reported the issues directly to the relevant credit reporting agencies, who have received all actual and factual dispute reasons. Consequently, I should not be required to repeat myself or face any further delays in receiving a verifiable and certifiable update regarding the inaccuracies of your reporting. 
Given the significant level of incompetency observed thus far, I will submit a final dispute with the reporting agencies. At that time, I will request that the account be permanently deleted from your files. 
If you believe the account is being reported accurately, timely, completely, and in compliance with all relevant regulations, please provide me with a letter on your official letterhead and send it directly to my home address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/year> GreenSky Attn : Consumer Solutions XXXX XXXX XXXX XXXX, GA XXXX This letter has been sent by Certified US Mail Tracking # XXXX  Dear Sir/Madam, I, XXXX XXXX XXXX am writing to you regarding the ongoing and unresolved matter of inaccurate reporting by GreenSky on behalf of XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX IL. Despite repeated communications and your assurances of investigating the inaccuracies reported on my credit report, it has come to my attention that GreenSky has confirmed the disputed account as " accurate. '' This action is not only incorrect but also in direct violation of consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Specifically, under the FCRA, 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable investigation within a timely manner upon receipt of a dispute from a consumer. Which you did not. Furthermore, the FDCPA, 15 U.S.C. 1692e ( 8 ), prohibits the communication of credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. By determining and reporting the disputed account as accurate, GreenSky has failed to adhere to these statutory requirements. This account was included in a bankruptcy and should no longer be reporting a balance or have a current payment status. You have failed to comply with the laws therefore you must DELETE THIS NOW. 
I am no longer willing to wait for you to investigate this dispute again and I demand the immediate deletion of the disputed account from my credit report. Failure to comply and rectify this matter will leave us with no choice but to initiate legal proceedings against GreenSky for these violations. 
We expect a written response within 15 days of receipt of this letter, confirming the deletion of the inaccurate account from my credit report. Your cooperation in this matter is not only expected but required under the law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation