Consumer complaint received 2024-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: GREENSTATE CREDIT UNION
State: IA

Complaint narrative:
Name : GreenState Credit Union Address : XXXX XXXX XXXXXXXX XXXX XXXX, IA XXXX Phone Number : ( XXXX ) XXXX Complaint Details : I am submitting this XXXX against GreenState Credit Union regarding inaccurate reporting of my payment history and their mishandling of my account information. These inaccuracies have negatively impacted my credit report and my reputation as a borrower. I believe they are in violation of 15 U.S.C. 1681s-2 Responsibilities of Furnishers of Information under the Fair Credit Reporting Act ( FCRA ). 

Issues : Payment History Discrepancies : I noticed discrepancies on my credit report where it incorrectly reflects that my payment amount is XXXX, despite my consistent monthly payment of {$400.00} for my car loan. These inaccuracies suggest I have a poor payment history, which is untrue. 
Data Breach Concerns : I learned that my credit information might have been compromised due to a data breach at the credit bureaus, which I suspect may be related to the inaccurate information GreenState is reporting. 
Loan Term Inconsistencies : Initially, I was told my loan term was for 76 months, but my records indicate it was actually a 72-month term. This inconsistency raises concerns about the accuracy of GreenState 's records and whether they are handling my account information responsibly. 
Failure to Correct Errors After Communication : I reached out to GreenState Credit Union representatives twice ( XXXXandXXXX ) to address these issues. Instead of taking corrective action or assisting me, they reported my loan as late. This further impacted my credit report, making me appear as a risk to other lenders. 
I first noticed the reporting errors in 2023, and despite notifying GreenState Credit Union, they have failed to correct these inaccuracies. This refusal to assist and the continuation of false reporting are serious concerns. I am seeking a full investigation by the CFPB into these practices and would like my credit report corrected to reflect my true payment history. 

Desired Resolution : Immediate Correction of Payment History : I request that my payment history be corrected to show the actual amounts paid each month and to remove any incorrect delinquency status on my loan. 
Investigation of Loan Terms : A thorough investigation into the loan terms to clarify why a 76-month term was reported instead of the correct 72-month term. 
Data Security Review : I ask that GreenState Credit Union provides clarity on the impact of the credit bureau data breach and ensure that no further data breaches have compromised my account or led to the inaccuracies in my report. 
Assistance in Resolving Final Payment : I am willing to pay off the remaining balance of {$1300.00} to close this loan but need assurance that my account history will be accurately and fairly reported to all credit bureaus. 
Thank you for your time in reviewing this XXXX I trust that the CFPB will investigate this matter and provide guidance to GreenState Credit Union to rectify these issues promptly.

Company response to consumer: Closed with explanation