Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GREENSKY OPERATIONS, LLC
State: FL

Complaint narrative:
Reference previous complaint submitted in XXXX of XXXX  - Complaint ID XXXX A complaint ( Complaint ID XXXX ) was submitted and granted in my favor against Greensky due to Section 616. Civil liability for willful noncompliance [ U.S.C. 1681n ], and Section 617. Civil liability for negligent noncompliance [ U.S.C. 1681o ] which is legally enforced by but not limited to Section 621.Administrative Enforcement [ 15 U.S.C. 1681s ] of the Fair Credit Reporting Act 15 U.S.C 1681. 

The account was closed after the investigation was completed & a check in the amount of {$10000.00} was sent to me in XXXX of XXXX, as a refund for all payments made as also served as notice for the investigation completion & account closure. 

I pulled all 3 major credit reports last night; beginning on page 40 of my XXXX XXXX report, Greensky reported a total of 41 payments were made in the amount of {$360.00}, totaling {$14000.00} as payments made to Greensky. 

XXXX willfully & intently withheld money that they were legally obligated to refund & were intentionally deceptive when they made a reduced payment. 

I am seeking compensation in the amount of {$4700.00} ( {$14000.00} - {$10000.00} ) I am seeking compensation in the amount of {$1000.00} for violation of U.S.C 1681n from Greensky for willful noncompliance, damages & negligent noncompliance caused due to Greensky 's decision to continue to report this closed account with negative comments on my XXXX Credit Report. 

I am seeking corrective actions for the intentional errors Greensky is currently reporting to XXXX, due to account closure, they are frivilous & irrelevant ; Greensky should have stopped reporting the inaccurate account status upon closure. 

I am seeking Greensky to remove any & all late, missed or derogatory statements being reported to any & all Credit Bureaus.

I am seeking Greensky take appropriate & swift action to remove any & all late, missed or derogatory statements being reported to any & all Credit Bureaus.

These ongoing & fraudulent reports have severely effected my credit report negatviely. 

Legal References 15 U.S.C 1681o - Civil liability for negligent noncompliance 15 U.S.C. 1681n ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$1000.00} ; or Section 617. Civil liability for negligent noncompliance [ U.S.C. 1681o ] ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure and ; ( 2 ) In the case if any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court

Company response to consumer: Closed with explanation