Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Grow Credit Inc
State: TN

Complaint narrative:
I, XXXX XXXX, am formally writing this complaint in accordance with the Fair Credit Reporting Act because of damage done to my consumer report. GROW CREDIT INC., the creditor whom the dispute involved, received multiple written notices from me regarding the inaccurate information that was furnished in my consumer report and is still reported inaccurately. The inaccurate information is currently being reported from both XXXX XXXXXXXX and XXXX. The inaccuracies contain missing payments in the payment history section, inaccurate late payments reflecting that I, XXXX XXXX was 120 days late 2 months in a row, and inaccurate payment dates. The inaccuracies are reported in both my consumer disclosure reports directly from the consumer reporting agencies and a credit report showing the same thing which was pulled from a 3rd party company called XXXX XXXX. I, XXXX XXXX would like to bring to the CFPB 's attention that XXXX XXXX XXXX informed me in response to the first written notice of dispute that was delivered to them on XX/XX/XXXX, XXXX XXXX. that they did investigate and had made the proper corrections. I, XXXX XXXX, was sent documents from GROW CREDIT INC. via email that showed what appeared to be a credit report and statements from GROW CREDIT INC 's system. Despite receiving this information from GROW CREDIT INC there were still no updates made to my consumer reports as requested in the first written notice of dispute. The previous problem that GROW CREDIT INC. claimed they resolved turned out to be a lie. The statements that were sent to me did not align with the credit report they gave me. I, XXXX XXXX, called XXXX and double checked for updates on XX/XX/XXXX, at XXXX XXXX. and was told by a representative of XXXX that there were no updates that were made by GROW CREDIT INC . The representative I spoke with told me that GROW CREDIT INC. has not updated anything with them since XXXX of XXXX. On XX/XX/XXXX, an additional written notice of dispute was delivered to GROW CREDIT INC. at XXXX XXXX. in this letter was a pre-arbitration proposal to negotiate for GROW CREDIT INC 's failure to update the XXXX and for violation of the FCRA in which I, XXXX XXXX have reason to believe that GROW CREDIT INC. violated 15 U.S. Code 1681s-2 actual knowledge of errors and per 15 U.S. Code 1681n Civil liability for willful noncompliance. There was also a demand to remove the inaccurate accounts for failure to properly update or correct the inaccuracy per FCRA in which creditors are given a sum of 30 days to do so per Furnisher Rule 660.4 ( e ) in the written notice of dispute. I, XXXX XXXX did not receive a response from GROW CREDIT INC., but I did receive an email notification from GROW CREDIT declaring recently that the account has now been charged off. I have reason to believe that the behavior from GROW CREDIT INC. violates the Fair Credit Reporting Act 15 USC 1681 regarding accuracy and fairness of credit reporting.

Company response to consumer: Closed with explanation