Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Easier Funding, LLC
State: NV

Complaint narrative:
Denefits doing business as/with XXXX  Day Credit Repair illegally reported my credit repair XXXX XXXX contract with them as a tradeline debt in the amount of {$1200.00} with balance owing as approximately {$920.00} or {$920.00} owing. The contract was signed on XX/XX/year>. Denefits reported an amount that they didn't earn and it is not a debt. It's an agreement. I cancelled the contract several times but XXXX refuses to remove the tradeline. I did file a dispute with the credit reporting agencies to include, Equifax, Transunion and Experian on XX/XX/year>. I only see the tradeline on Equifax as of now. 

On XX/XX/XXXX, I received as email from Equifax stating that XXXX changed its status as an " installment sales contract ''. That would mean that i bought a tangible good, property or some kind of ownership transfer. It is not an installment sales contract. My contract is a service-based agreement for credit repair, not a purchase of property or an installment loan. I faxed rebuttals to XXXX XXXX and XXXX today, XX/XX/year>. I am also send complaints to the SEC, XXXX  XXXX XXXX both for the State of XXXX  and the State of XXXX, CFPB ( again ), FTC and the BBB ( again ). 

These people should have to face criminal prosecution for their criminal and intentional disregard for the law. 

Per 15 U.S. Code 1602, an installment sales contract is defined as a contract that typically involves : A buyer taking possession of tangible goods or property, Ownership transferring upon completion of payments, A retail installment transaction, often involving financing terms and interest. 

Legal Grounds for Complaint The premature and inaccurate reporting of the full contract amount as a debt tradeline raises serious legal concerns : Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers of information to consumer reporting agencies must not report inaccurate or misleading information. 
15 U.S. Code 1692e of the Fair Debt Collection Practices Act ( FDCPA ) : Prohibits false, deceptive, or misleading representations in connection with the collection of any debt.

FCRA 623 ( b ) : Requires that once a dispute is submitted, the furnisher must conduct a reasonable investigation and correct or delete inaccurate information.

Consumer Financial Protection Bureau ( CFPB ) Regulation V, 12 CFR Part 1022 : Regulates how information must be accurately furnished and prohibits furnishing information that the provider knows or has reasonable cause to believe is inaccurate. 
Allegation of Willful Misconduct By knowingly and willfully reporting this service agreement as a financed installment sales contract, Denefits may be in violation of FCRA 623 ( a ) ( 1 ) ( B ), which prohibits the knowing reporting of false information. Your company 's actions appear to have willfully harmed my credit, causing a substantial drop in my credit score without legal justification. 
I respectfully request that Denefits : XXXX. Immediately cease and desist from reporting the full contractual amount as a tradeline to any credit bureau. 
XXXX. Fully remove the inaccurate tradeline entry from Equifax, Experian, and TransUnion. 
XXXX. Refrain from any future misrepresentations of the nature of this contract. 
Please be advised that failure to comply may result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), XXXX XXXX XXXX XXXX and other applicable regulatory bodies. I also reserve my right to pursue civil remedies for damages related to this unlawful reporting.

Company response to consumer: Closed with explanation