Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Burns Auto Credit, LLC
State: SC

Complaint narrative:
Burns XXXX is purposefully and maliciously providing incorrect information on my credit report. I voluntarily surrendered the property, a XXXX XXXX XXXX on XX/XX/XXXX to Burns. 
I received my credit report from XXXX on XX/XX/XXXX and found Burns is reporting the account incorrectly. The account status is " OVER_120_DAYS_PAST_DUE. '' The past due amount is showing {$2400.00}. The balance is {$13000.00}. There is no update of a voluntary repossession. It was last reported XX/XX/XXXX. 
I contacted Burns by phone on XX/XX/XXXX. I received no answer. I went to Burns and stood in an empty office until a man appeared and asked me if he could help me. I told him I needed assistance with an inaccurate reporting on my credit. He stated to please call the number on the card that he handed me. I told him that the number on the card was the number I had been calling all day receiving no answer. I took out my cell phone and called the number again in front of him. This time I spoke with XXXX in Credit Services and Collections. I expressed to her I was frustrated they did not answer the phone for me all day and I needed to get this account updated. She stated she was returning from her lunch break. However, it was XXXXXXXX XXXX 
I told her the situation and he inaccuracies on my credit. She stated that I should call XXXX. I told her XXXX is going to tell me to dispute and contact the creditor to ask for an update which I was doing with her. She essentially said, " Well, send me an email with the credit report and I'll forward it up. I am in collections. I don't handle credit reporting. We'll see what we can do. The account update could take awhile and it may not reflect on your account until after the XXXX of next month. The account was just charged off and that can take some time. '' I replied that her response was not in accordance with the responsibilities of a creditor that is mandated to correctly report account information about consumers. I asked her how long would this take because it was already over 90 days since I surrendered the property and it could have been updated correctly on XX/XX/XXXX, for which she had no explanation. She rudely repeated what she said and gave me her email address. 
I have contacted XXXX to dispute the account and I'm sure that would yield the results I need. 
However, my experience with Burns XXXX has been disturbing and unnecessary. I feel they have left this account in improper status to make it harder for me to get another auto loan because it shows an open account that is 120 days past due. No mention I surrendered the property. 
The unprofessional attitude and lack of accountability as a creditor should be addressed and made clear this behavior is against federal law. I'm sure an investigation into this matter will show I am not the only person that has been met with maliciousness when simply asserting my rights as a consumer.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation