Consumer complaint received 2025-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CIG FINANCIAL LLC
State: FL

Complaint narrative:
My problem was never resolved from complaint XXXX however they continue to deny the fact that they continue to report to all of my creditors that I was never late, then they change it after a week to saying that it is late. Their company continues to do this and the proof is that they are destroying my credit score by improperly reporting weekly. One week my score may increase by XXXX points because they report it as never being late then the following week is reported as being late. for the months of XXXX and XX/XX/XXXX. I have attached the most recent full credit report showing that they reported to XXXX  on XX/XX/XXXX that I was never late. XX/XX/XXXX, an update to the report was made showing that I was late XXXX and XX/XX/XXXX. 
Every week this is happening, due to Autonation reporting to the credit bureaus weekly to my creditors. All XXXX CRA 's have informed me that Autonation is doing this not them. Instead of them doing what is best for their consumer, they are harming me and it is now intentional. This has been going on for more than 2 months. every time they make it positive, they turn around and place it as negative every week. I have attached the credit report. This will be a case that they could easily resolve. Its horrible that they are doing this to me and I am going to move forward and find more victims to draw a class action lawsuit against them. 

Please investigate this matter. I will proceed with the courts against AutoNation. 


I purchased my car and financed it through CIG Finance in XX/XX/XXXX. I began making payments in XX/XX/XXXX and have consistently made timely payments to CIG Finance. In XX/XX/XXXX, CIG Finance was sold to Autonation Finance. I requested a deferment but still paid my car note as the representative suggested. Despite this, CIG Finance was completely removed from my XXXX  account during the merger, which tanked my credit score by more than XXXX points. XXXX  did not report any payments until XX/XX/XXXX, and XXXX  reported payments in XXXX. I contacted Autonation Finance, and they claimed they were reporting the payments, but the information did not appear on my credit reports. My credit reports show positive standing across all three accounts, yet Autonation Finance continues to increase and decrease my balances on all three credit agencies every few weeks, even as I make timely payments. I have pulled my credit reports repeatedly, disputed the inaccuracies, and provided evidence through soft pulls. In XX/XX/XXXX, I discovered XXXX late payments reported for XXXX and XX/XX/XXXX, despite several months of on-time payments. Autonation Finance refused to correct the information and claimed the late payments were always there. I provided the credit reports and contacted XXXX, XXXX, and XXXX. A representative informed me that they questioned Autonation Finance about the changes, but Autonation ignored their inquiries. The representative advised me to contact Autonation Finance and request that they revert the information to its previous state. I have proof and documentation, they went as far as stating a document that was sent to me was altered due in part the letter stated I was never late, however it was a paper that they sent in the mail and I provided it to the XXXX. They then proceeded to forward me a scan copy of a similar letter that they said they sent in which I never received. I told them I don't know who your employees are and why is this an issue when in fact I received the letter from them. They continue to fight it despite not going by my contract from CIG and doing the opposite of doing right. This has been a nightmare because they are manipulating the numbers within the balance on all XXXX reports. on XX/XX/XXXX my credit score decreased by XXXX points because they reported an increase of my balance to XXXX  only. They are retaliating against me and its damaging to my credit score. This situation has been detrimental and heartbreaking because I need housing for myself and my son. Autonation Finance and the XXXX credit agencies continue to report incorrect information and wrong balances. This company is destroying my financial stability. Please take actionI can not resolve this alone. Please help

Company response to consumer: Closed with explanation