Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Hatfield, Inc.
State: NY

Complaint narrative:
I am submitting this complaint against Grid for multiple serious consumer protection violations, including : Inaccurate credit reporting for XXXX and XX/XX/year> Blocking my access to account records after closure Withholding a remaining balance Preventing access to critical credit data, limiting my ability to dispute the errors Summary of Issues : Inaccurate delinquency reporting for XXXX and XX/XX/year> Account was paid in full and closed, yet negative credit marks remain I have been blocked from accessing my account and related records, including credit activity history A leftover balance remains, which has not been refunded or transferred Grids conduct has obstructed my ability to verify, understand, and dispute their reporting Timeline of Events : XX/XX/year> : I made a full and timely payment. Proof of payment is attached. 

XX/XX/year> : I encountered technical issues with the Grid app, which prevented successful payment processing. This was not due to any fault on my part. 

In XX/XX/year>, I contacted Grid in good faith to resolve the matter. Their representative confirmed in writing that if I paid the outstanding balance by XX/XX/XXXX, the account would not be reported as delinquent. 

I paid the full balance on XX/XX/year>, well before the deadline. Payment confirmation is attached. 

The account was later closed, yet : Delinquency was still reported for XXXX and XXXX, despite the full payment and Grid 's written assurance ; I have been denied access to my account and credit activity, making it impossible to see what exactly Grid reported ; A remaining balance in the account has not been refunded or made available. 

Legal Concerns : 1. FCRA Violations Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., data furnishers must : Report only accurate and complete credit information ; Allow consumers to verify, access, and dispute their credit data ; Not furnish data that is known or reasonably believed to be inaccurate. 

Grids actions including reporting a delinquency for a month I paid in full and another where they acknowledged an app issue, and then blocking access to records violate these provisions. 

2. Unfair or Deceptive Acts or Practices ( UDAP ) Grids decision to withhold funds, block access to necessary information, and misrepresent my credit standing may also constitute unfair or deceptive acts under the Consumer Financial Protection Act ( CFPA ). 

XXXX Requested : I am requesting that the CFPB assist in the following actions : Immediate investigation into Grids conduct ; Correction or removal of inaccurate delinquency entries for XXXX and XX/XX/year> ; Accurate reporting of the account as paid in full and closed in good standing ; Restoration of access to account and credit records, or a complete transaction summary ; Immediate return or transfer of the withheld remaining balance ; Written confirmation that all necessary updates have been made to credit bureaus. 

Attached Supporting Documents : XX/XX/year> and XX/XX/year> payment confirmations Email from Grid confirming XX/XX/XXXX deadline to avoid delinquency Screenshots of XXXX payment issues in the Grid app Proof of account closure Proof of blocked access to account Credit report showing the inaccurate delinquency reporting Despite my efforts to resolve this directly with Grid, they have not corrected the issues or provided access to my data. I am now seeking the CFPBs support to ensure compliance with federal law and to restore my credit integrity.

Company response to consumer: Closed with explanation