Consumer complaint received 2025-09-21 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: MN

Complaint narrative:
See attached description of complaint. 


GREENSKY UPDATE 1. I filled a complaint around XX/XX/XXXX 2. Greensky contacted me saying that they want to propose a settlement.

3. They asked me to have an independent contractor draw up an estimate to complete the remodeling of my house.

4. I got an independent contractor to put an estimate together which forwarded to Greensky. 

5. I also forwarded a copy of the XXXX of XXXX XXXX inspection which they FAILED the work XXXX XXXX did. I also forwarded a picture of the newly constructed roof which does not match the existing roof. 

6. Greensky requested for a clearer picture of the inspection report which I forwarded to them. 

7. By late XXXX XXXX, Greensky requested for a cost itemized estimate from the independent. 

8. Giving that it was high construction season for contractors, I had to plead with the contractor to put the itemized estimate for Greensky. 

9. I submitted the itemized estimate to Greensky hoping to get the settlement proposal. After one week, I reached out to XXXX XXXX who was the Greensky representative I was dealing with and she said she is still reviewing. After two weeks, she said that she sent it to their management. When I contacted her next, there was no mention of the estimate nor proposed settlement She started saying that I accepted the {$35000.00} in the contract when I met with XXXX XXXX. I told her that I never accepted what was not in the contract. I TOLD HER THAT XXXXXXXX XXXX AT THE EARLY STAGE OF THE PROJECT, LISTED THE ACTIVITIES WITH TIME STAMP ON HOW TO COMPLETE THE PROJECT. Then they pleaded with me to accept the {$35000.00} and I told them that if the project is completed, that I wont have a problem accepting the {$35000.00} charge. 

NOTE. In XXXX, and XXXX with XXXX Greensky Manager, I have stated the same thing. At that point I realized that it was dj vu again. 

In XXXX when this issue arose, I was contacted by XXXX, Greensky representative, and I provided her with the contract and supporting documents and she promised to follow up with XXXX XXXX to resolve the issue. I waited ETTLEMENT PROPOSAL.for an update from her but when it was not forth coming, I called her and was told she was no longer with the Greensky. 

In XXXX, when I was not getting any help with the representatives, I requested to speak with a Greensky Manager, that was when I was directed to XXXX. Again, I explained the situation and forwarded her all the documents, and she promised to bring the issue to closure, to date I never heard from XXXX again. 

This XXXX again after my complaint, Greensky promised a settlement proposal and requested itemized estimate. Now Greensky is no longer talking about the estimate nor settlement proposal but a point that utterly irrelevant. 

MEANWHILE MY BUSINESS IS SUFFERING BEACAUSE OF THE DELINQUENT REPORT BY GREENSKY IN MY CREDIT REPORT.

ALL EFFORT BY ME TO RESOLVE THIS INCLUDING MY LATEST SUGGESTION TO THEM TO FUND THE INDEPENT CONTRACT
OR ESTIMATE TO COMPLETE THE PROJECT. I ALSO TOLD THEM THAT I WOULD ACCEPT THE RESPONSIBILITY OF THE COST OF THE PROJECT INCLUDING THE {$35000.00}, ALL FELL ON BRICK WALL. 
NOTE : THIS STARTED IN XXXX WITH INTENT TO OFFER A SETTLEMENT PROPOSAL WITH INDEPENDENT CONTRACTOR ESTIMATE. WE ARE NOW IN XXXX WITH NO SETTLEMENT PROPOSAL.

Company response to consumer: Closed with explanation