Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Easier Funding, LLC
State: MO

Complaint narrative:
HIGHLIGHTED CLAIMS 60 DAY CREDIT AGREED AS ADVERTISED TO RAISE CREDIT BY XXXX POINTS IN 90 DAYS OR NO MONEY IS OWED. 
60 DAY CREDIT DID NOT RAISE CREDIT BY XXXX POINTS IN 90 DAYS 60 DAY CREDIT HARMED MY CREDIT AND ARE RESPONSIBLE FOR MY SCORE DROPPING BY AT LEAST XXXX POINTS THAT ARE VERIFIABLE BY PICTURE EVIDENCE FROM MY CREDIT MONITORING WEBSITE 60 DAY CREDIT REPAIR IS HARMING MY CREDIT BY USING A CREDIT REPORTING PAYMENT COLLECTING AGENCY ( XXXX XXXX ) TO COLLECT ON A DEBT FOR A SERVICE THAT WAS NEVER RECEIVED, REPORTING NEGATIVE INFORMATION REGARDING LATE PAYMENTS DESIRED OUTCOME 60 DAY CREDIT REMOVE ALL OF MY SENSITIVE PERSONAL INFORMATION FROM THEIR SYSTEM AND STOP WORKING ON MY CREDIT PROFILE 60 DAY CREDIT CLEARING MY DEBT FOR SERVICES NEVER RECEIVED To Whom it may concern, I hired 60 Day Credit Repair Services on XX/XX/year>, under the strict guidelines that were specifically advertised both verbally and on all the marketing advertisements as they would raise my credit by XXXX points in 90 days or I would not have to continue paying which 90 days ends XX/XX/year>. 


I was scheduled for XXXX reviews in which someone from that company would reach out XXXX and 90 days to go over everything they had done regarding my credit profile and removing negative items from my credit profile. 


Communication was poor from the start. The scheduled review we had scheduled for 30 days was missed by the company by several weeks. I had entrusted this company with a lot of my personal information, including my social security, date of birth, address, and basically every piece of information regarding my life. So I was very concerned. I had waited several weeks past the original scheduled review to check up on what was being done with my personal information as well as getting updates on what was being done on repairing my credit. 


This company took several weeks to respond. They responded that they would get tracking information for all of the disputes they had made on my behalf. In which I have never received any information on what all had been done on my behalf or any tracking numbers that worked to see anything that was being done on removing negative items from my credit profile. 


Communication remained poor the entire time. 


At the end of the 90 days, I waited for a review to go over what had been done, and they assured me they had raised my credit by XXXX points. I reached out with concerns about what had actually been done and for explanations regarding my credit profile issues. 


This company had assured me over the phone, through email and through text multiple times reassuring me that my credit had been raised XXXX points. 


When I asked what had been done to raise my score up that much they had shown me they removed 1 collection in the amount of {$110.00} from one credit XXXX. In the 90 days. The credit XXXX website states that paying the collection in full could only raise my credit max of XXXX points and XXXX points if paid in full. So I reached out asking how removing 1 collection from 1 credit burrough could raise my credit by XXXX points. They kept giving vague responses and redirecting the issue. 


My concern was never addressed. 


Several months passed and I was still getting texts stating they raised my credit and wanted money. 


Then I had gotten a debt collection from this company on my credit from not paying for services never received. 


I called again to go over new issues and restate my original concerns on how they could raise my credit by XXXX points. 


In this time frame the disputes this company had put out for removing credit inquiries had actually gotten several good standing accounts removed from my credit profile harming my credit, as well as removing the inquiries just to have them pop right back on harming my credit even more. 


When I reached out to the company for proof on how they raised my credit XXXX points I was sent the before and after summary of my credit profile that clearly shows in 90 days my credit did not go up by XXXX points but it had gone down by XXXX points. On top of the points that were removed from my credit profile for the work that was done. 




This company lost me XXXX points deleting my primis loan and then it popped back up, ( sending attachment ) then XXXX more points they lost me again for it being removed and added multiple times harming my credit even more for no reason ( sending attachments ), and then they lost me XXXX more points from removing XXXX hard credit inquires just so they could be freshly added back Totalling XXXX points this company is responsible for loosing me on my credit. 
( All of the proof is being send as an attachment to clearly show this company harming my credit ) Not only did this company not reach the XXXX points in 90 days but they are responsible for losing me XXXX points. This is not including the debt collection this company has placed on my credit report stating I owe them money that will eventually add more negative value to my credit profile. 


I could not get anything done internally, so I reached out to the owner of the company XXXX XXXX XXXX ) to try and resolve the issue before I took it above them. ( sending messages in attachment ) I had thoroughly explained the issue with the owner and his response was denying responsibility for anything and not wanting to settle the issue. 


The credit analyst that I spoke with XXXX clearly stated he has been doing this for 19 years and obviously he would know more than I would on my own credit profile. Which I found to be very disrespectful and non professional After presenting the information several times to XXXX and explaining how i was going to take this issue to the state agencies for review and correction, the company changed their position from they had raised my credit XXXX points to it was my fault for a collection being added and I still was obligated to pay for their services never received, finally acknowledging they did not actually raise my credit by XXXX points, This company had clearly stated as shown in pictures as proof that as of XX/XX/year> which is 5 months and 7 days past my 90 day review that they were still claiming to have raised my XXXX XXXX by XXXX points. 


If I had failed my end of my obligation it would have been stated clearly in the 90 day review due to a collection being added if that was the case. 


This company is rude, disrespectful, manipulative to their clientel and has poor communication. 


My obligations were upheld and they did not upheld their advertised services or stated service agreement. 


60 Day Credit Repair did not raise my credit by XXXX points in 90 days. They actually lost me XXXX points plus an added debt collection for their services never recieved. 


I want this company to remove the debt collection As well as close out my account balance to show I no longer owe them any money I do not wish to do further business with this shady company. And I want them to siest any work on my behalf and get rid of all my personal information immediately This company had also gotten my credit monitoring account locked. When I asked them they had acted like it must've been my fault. 


This company was trying to use manipulation tactics and coercion to get me to just go with getting screwed and to just make payments on something never recieved They thought I was stupid and illiterate and wouldn't notice them not actually doing the work. 


Both tremain and the owner XXXX stated in XXXX several months after 90 day review that they were still going with they raised my credit by XXXX points. 


Using manipulative tactics to make me feel as though they were actually doing something so I would pay. 


The whole Time they actually knew they never raised my score XXXX points They knew everything and used manipulative tactics, coercion and diversions and distractions to try and sidetrack the fact they got caught not doing what they claimed to have done Once all the evidence was presented they changed their stance from we did the job to we didn't do the job but it's your fault..due to a collection being added If it was my fault this would have been stated at the 90 day mark. 


Since it was just an attempt to try and save their XXXX last minute cover up tactic after they realized they had been caught tactic this is in no way legal, correct, right or fair in any way They all gave vague generic answers and responses. They avoided directly answering my questions. When they would answer my questions or concerns they would try to redirect my attention and side track me from my original question or concern. 
They would either deflect my issues and concerns or they would try to bully me into accepting information with inaccurate information and never actually answer my question. 


I have found in life that in order to get the right answer you have to ask the right question. 


This company did not answer my questions directly They were manipulative and dishonest. 


They straight lied the entire time In my experience when you lie in XXXX area once. You probably are lying all the time I do not trust this company to have my information exposed. 
I do not feel safe or comfortable with this company having access to being able to affect my credit, my life, my finances The loss I've accumulated dealing with this company could potentially cost me thousands if not hundreds of thousands of dollars with my credit being damaged and interest rates reflecting credit scores as well as being denied for home loans, auto loans and business loans I work for a finance company so I know the effect credit has on loans, and how interest rates can add up to costing you alot more money than necessary Along with this email are attachments proving my statements are accurate and that this company is not only responsible for hurting my credit but not reaching the advertised and stated obligation on their part

Company response to consumer: Closed with explanation