Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
CNAC has been consistently reporting inaccurate information onto my credit report. Due to CNAC deliberate and willful violation of FCRA and the lack of procedures in place from the credit agencies to prevent logically incorrect information I am constantly disputing inaccurate information on my credit account. 

I do want to point out that the last XXXX complaints I have filed through the CFPB XXXX CNAC refused to investigate. CNAC just closed both of these complaints out as duplicate complaints. Neither XXXX of them were duplicates and both had supporting documentation to support my claim. This is a violation of FCRA and regulation V. 

I still have not received any account documentation from CNAC to collaberate either statement of " the vehicle was repo due to me defaulting on my loan. '' All XXXX credit agencies all reported that the XXXX  months of payments were made on time and in full. 

So for every dispute I have filled and they have come back " verified as accurate '' this statement has never been backed by any documentation. 
CNAC has been filing XXXX to XXXX credit reports per month since XX/XX/XXXX. There is no logical reason to constant be changing information on a credit report that was closed in XXXX of XXXX. 

CNAC just reported on the XX/XX/XXXX credit file which was updated XX/XX/XXXX that the date of first delinquency is now XX/XX/XXXX, which right here proves my vehicle was illegally repo!! But since CNAC fradulently closed the original credit reporting account and reopened it under XXXX the first journal entry for this fraudulent loan, the first journal entry is XX/XX/XXXX. This came directly from the XXXX credit report. This is now the second time XXXX has reported the repo status in my favor. In XXXX of XXXX XXXX reported that the XX/XX/XXXX status was changed from " repo '' to " current ''. This was never shared with the other credit agencies. Then in XXXX of XXXX the XXXX account which has been reporting ND since XX/XX/XXXX hit my credit report with a charge off for the alledged balance of this loan. That is fraudulent reporting again!!! 

This is a never ending battle with CNAC, I am asking the CFPB to have this screened for further investigation along with well documenting that CNAC has violated multiple FCRA statues which has caused me loss of obtainable employment, cause me to be denied for a loan for a house which is a necessity for me and my children, the theft of my vehicle, and the {$XXXX} I had already paid for this vehicle over the past XXXX  months. XXXX  months of on-time payments that are no longer being reported on my credit report which would benefit me in establishing a higher credit score, but only reporting the negative fraudulent information??

Any further reporting from CNAC be considered frivolous and irrelevant. This is causing my additional emotional stress, sleepless nights, XXXX which is intentionally done by CNAC to conceal their illegal repo of my only vehicle. 

And are still reporting the second charge off on the second, fradulent account!!! Once again trashing my credit!!! I will be uploading the police report which does now indicate CNAC had no right to remove my vehicle. Any further negative anything from CNAC will result in further court filings. 

This complaint will be shared with the FTC and local and state agencies.

Company response to consumer: Closed with explanation