Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GREEN ROAD FINANCE INC.
State: CA

Complaint narrative:
Credit Reporting Inaccuracy Subject : Inaccurate and contradictory reporting of auto loan accounts by XXXX XXXX XXXX  What happened : XXXX XXXX XXXX is inaccurately reporting my accounts across the credit bureaus. Specifically : XXXX loan ( XXXX XXXX XXXX ) is being reported as both charged-off with a {$0.00} balance and open with a {$15000.00} balance and late payments. A loan can not legally be reported under both statuses at the same time. 
The same loan shows a first delinquency date of XX/XX/XXXX, but I made and documented a XXXX payment on XX/XX/XXXX ( XXXX  XXXX XXXX receipt attached ). 
Another loan ( XXXX XXXX XXXX ) was sold in XX/XX/XXXX but is still being reported as open with late payments. 
These accounts are therefore being double-counted, showing inflated balances and false derogatory statuses. 

This is inaccurate and misleading reporting in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX requested : Correct or delete inaccurate tradelines. 
Remove all false late payment notations. 
Ensure balances and statuses match the actual account history ( XXXX XXXX : sold/closed, XXXX : XXXX or charged-offnot both ). 
Confirm that no further negative or duplicate reporting continues. 

Evidence provided : XXXX payment receipt dated XX/XX/XXXX. 
Screenshots of conflicting tradeline reporting from XXXX  and XXXX. 
Formal dispute letter sent to XXXX XXXX XXXX documenting the errors. 

Timeline of Events XX/XX/XXXX : Loan for XXXX XXXX opened with XXXX XXXX XXXX ( {$15000.00} ). 
XXXX XXXX, XXXX : I made my XXXX payment of {$650.00} via XXXX to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX confirmation attached ). 
XXXX XXXX, XXXX : Despite payment, XXXX XXXX reported my account as delinquent and began adding late fees. 
XXXX XXXX, XXXX : I contacted XXXX XXXX XXXX. Their representative admitted the XXXX payment was misapplied to my other loan ( XXXX XXXX ) due to internal errors. 
XXXX XXXX : XXXX XXXX reported XXXX  day late payments for the XXXX loan, even though I had already paid. 

Retaliatory Credit Reporting After I disputed the error and provided proof of payment, XXXX XXXX XXXX continued reporting false late payments and delinquency. 
They also reported the XXXX loan as charged-off ( {$0.00} balance ) AND still open with {$15000.00} due, which is contradictory. 
These actions appear retaliatory because they occurred after I challenged their error and caused further damage to my XXXX XXXX. 

Outcome My credit now reflects both a charge-off and an open delinquent account for the same loan. 
My score is unfairly depressed, and I am being penalized twice for XXXX XXXX  mistake. 

XXXX Requested Remove all inaccurate derogatory notations after XX/XX/XXXX. 
Correct XXXX loan to show paid through XX/XX/XXXX. 
XXXX XXXX XXXX loan as closed/sold as of XX/XX/XXXX. 
Ensure no further retaliatory reporting. 
Provide written confirmation to me and all XXXX  bureaus.

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