Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
Disputed an account, XXXX that had fallen off my credit report which is now being reported, XXXX only, as off XX/XX/XXXX as 1. Open 2. Charge-off 3. Balance Due 4. Past Due Account as opened XX/XX/XXXX. 
XXXX has reported two missing payments from XX/XX/XXXX and XX/XX/XXXX, repossession from XX/XX/XXXX and a charge off from XX/XX/XXXX, but not one payment made. So from XX/XX/XXXX to XX/XX/XXXX it is reported as unknown. This is a FCRA VIOLATION 623 since this is inaccurate and incomplete since there was over 24 months to be reported. And out of those 24 months, there was only four months reported which were allergy negative Months. This directly affects my credit score due to the fact that payment history is 35 % of anyones credit score And since XXXX is reporting only 4 months they are reporting a100 % deagratory payment history. So therefore, if the company is not willing to go ahead and report every single month, every single payment down to the dollar this is incomplete and inaccurate, and must be deleted under fair credit reporting act. XXXX FCRA VIOLATION 623, creditors responsibilities. 

XX/XX/XXXX why was this account being reported from Closed to Open. It has appeared to be closed since XX/XX/XXXX. Over XXXX yrs later there is a change? This account is from North Carolina well past the statute of limitations on collecting debt. FCRA VIOLATION OF ILLEGAL AGING! 

XXXX accrued a FCRA VIOLATION, Credit due to agencies are required to have procedures in place to prevent incorrect reporting. And prevent harm to consumers. XXXX just reopened a closed account with no notice to consumer ( ME ). 

This account is also being reported as status update as of XX/XX/XXXX which that status is CHARGE OFF. By reporting this, XXXX, You are reporting that I had a charge off that was very current. Not over XXXX years ago. As any derogatory account is being reported to a credit union, the most current derogatory accounts have the greatest impact on your credit score. FCRA VIOLATION of XXXX of reporting incorrect information. 

This account originally came back onto my credit report in XX/XX/XXXX. Every month since XX/XX/XXXX, the status is updated to status updated to of that current month. Once again, re-aging now On a monthly basis. This is also a fair credit reporting act Sense it will attempt to be on my credit report for additional now XXXX years as of every single month. 


I have reported this previously to XXXX annd XXXX for inaccurate information mainly for a reappearing account aka RE-AGING, and needs to corrected. Well, to no such prevail XXXX reported verified as accurate. while XXXX deleted this account. And this account never reappeared onto XXXX. North Carolina statutes eliminations is only XXXX years So why is it after the statute of limitations is up for debt collection? This account is now re-aged?? Illegal remove Immediately!! 

This Account is also being reported as past due, which gives the appearance of mis payment history. Once again, another derogatory mark on my credit as of XX/XX/XXXX, which did not occur. As of XX/XX/XXXX, this account is still being reported as opened, which is once again completely incorrect. 

So XXXX under FCRA 611, This is a reinvestigation, which means you have 15 days to correct or delete. 

If this count is not deleted within the 15 day time, period I would like to see exactly how this was determined, which is within my right under FCRA 611. I want to see everything too include but not limited to payment history balance history status status date All the positive payment history be reinstated and re-added to my credit score etc And why this was added back to my XXXX credit report after it Had already fallen off. And every derogatory mark after XX/XX/XXXX be removed. If this can not be done, theres no other option then to delete this entire account. 

Once again me, consumer is being harmed due to the fact, I can not utilize credit which would be readily available to me If XXXX was reporting correctly or if CNAC. North Carolina would report correctly and completely.

Company response to consumer: Closed with explanation