Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Opportunity Financial, LLC
State: WA

Complaint narrative:
Consumer Protection Division ATTORNEY GENERAL OF WASHINGTON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau Consumer Financial Protection Bureau, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
OPP Loans XXXX Formal Complaint of Fraudulent Operating Practices and Request for Compliance Audit : OPP LOANS, XXXX, XXXX  XXXX XXXX : Account # XXXX To Whom It May Concern : This letter documents the circumstances surrounding my credit profile and provides written explanation to my assertions that OPP LOANS has engaged in Fraudulent Conduct. OPP Loans Unlawfully Misrepresented Accounting Records related to Internal Revenue Written-Off Debt to conceal Illegally Falsified Records of Collection Accounts Transactions with OPP LOANS deception and ultimate motivation for violating State and Federal Law IS solely to prevent accurate credit reporting.

FCRA Violations : OPP LOANSXXXX XXXX XXXX XXXX XXXX The credit reporting agency is reporting a debt as charged-off when it was paid off or settled in the past. Charge-Offs Reported XX/XX/XXXX XXXX * The credit reporting agency is flagging late payments when your payments are timely. Late Payment Reported XX/XX/XXXX ; XX/XX/XXXX credit report reflects closed in XX/XX/XXXX per agreement. {$440.00} is the satisfied NOT remaining amount. 

* The credit reporting agency failed to report a discharged debt in bankruptcy. XXXX XXXX  XXXX Bankruptcy included OPP Loans and {$440.00} satisfied debt is now discharged The FCRA allows for consumers to detect errors in their credit reports and file complaints. General violations of the FCRA include : * Failing to update records * Failing to follow guidelines for settling disputes * Pulling your report for an impermissible purpose * Failing to send a notice about your credit report or score violates the FCRA * Reporting a closed account as active * Creditors disclosing inaccurate financial information about you to reporting agencies On XX/XX/XXXX, my account was opened with OPP Loans for {$1500.00}. The purpose for obtaining the loan was to assist me with additional costs related to my sons education expenses. The contractual obligation for the entirety of the loan was {$2600.00}. Per my agreement, I was to pay {$130.00} on a bi-weekly basis. I successfully paid the first payment of {$130.00} on XXXX XXXX. 

Immediately following payment on XX/XX/XXXX, I was alerted through my account portal no portion of payment was applied to the principal. OPP Loans did not provide me a TIL stating the initial payments would not encumber allocation to principal. I requested that the payment details be updated to reflect the contractual agreement of every payment made would apply a portion to principal. OPP Loans refused. On XXXX XXXX, I entered into a Debt Relief Program with XXXX XXXX. On XX/XX/XXXX OPP Loans was notified and negotiations and verification of debt commenced. 

On XX/XX/XXXX my owing balance was {$1900.00}. OPP Loans agreed to a settlement of {$1600.00}, new contractual payment terms, and provided all said payments were successful under new agreement my account would be deemed Satisfied. See attached supplementary documents. A payment of {$50.00} was tendered per renegotiated agreement on XX/XX/XXXX. XX/XX/XXXX, due to the Global Pandemic, all communication related to payment disbursement was delayed ; however XXXX XXXX assured me and it was my belief I was protected under the Credit Protections of the Coronavirus CARES Act.

All subsequent payments of {$320.00} from XXXX XXXX XX/XX/XXXX & {$320.00} XX/XX/XXXX were satisfied under renegotiated contract. I successfully paid off OPP Loans on XX/XX/XXXX for a settlement amount of {$1600.00}. This account was closed on XX/XX/XXXX. 

OPP Loans has not reported my credit profile accurate furnishings, despite numerous attempts to dispute and requests evidence be disclosed to me of falsely claimed information supplied to XXXX, XXXX, XXXX, and XXXX. I have launched complaints against OPP Loans with the CFBP. See attached Full Complaint Details. OPP Loans acknowledged renegotiated contracts and all payments fulfilled however continued to report inaccuracies.

My credit profile should reflect a 30 day -late in XX/XX/XXXX, on-time payments XXXX XXXX XX/XX/XXXX, and account closed XXXX XXXX XXXX. 

I have disputed with XXXX, XXXX and XXXX numerous times, each time CRA failed to investigate the attached supporting documentation I provided and subsequently verified as reporting accurate. 

Under 11 U.S.C 524 ( c ), ( f ) Creditors can not collect discharged debts.This order means that no one may make any attempt to collect a discharged debt from the debtors personally. For example, creditors can not sue, garnish wages, assert a deficiency, or otherwise try to collect from the debtors personally on discharged debts. Creditors can not contact the debtors by mail, phone, or otherwise in any attempt to collect the debt personally.

Consumer requests the Consumer Financial Protection Bureau, WA State Attorney General and XXXX XXXX XXXX launch a thorough investigation of OPP Loans accounting and credit reporting records. The evidence attached demonstrates a substantial amount of unlawful conduct by OPP Loans. 

Thank you,

Company response to consumer: Closed with explanation