Consumer complaint received 2024-12-11 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: CRCO

Complaint narrative:
XXXX XXXX XXXX aka CRCO XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX Phone : XXXX Owner : XXXX XXXX XXXX : A person named XXXX XXXX with no last name provided ) Main Email : XXXX Other Emails used : XXXX XXXX XXXX XXXX XXXX XXXX Summary of the complaint I requested information from CRCO on XX/XX/XXXX by filling their contact information page online. Next day on XX/XX/XXXX, I received a call from a person named XXXX from Credit Repair Co . I saw this companys information in a XXXX XXXX video where the owner XXXX XXXX was explaining how to delete bankruptcy from your record. My credit score is good above XXXX, with no negative account in my record except a bankruptcy record filed in XXXX. The bankruptcy record had originally incorrect information and I was able to dispute it myself with one of the credit bureaus and my credit report was updated. However, because of a XXXX XXXX programmed for my mother I was not going to have the time to follow up with the XXXX other credit bureaus. This was the reason why I decided to look for a professional company to continue with the disputes because if I was successful on my own, I thought that a professional company could handle it as well better than me. 

I explained this situation to XXXX, and he offered to assist in the pursuit of contacting the credit bureaus to attempt to delete the bankruptcy from my records. Secondly, I explained that there was a discrepancy in my FICO score being around XXXX with one bureau but the other two bureaus were showing XXXX affecting me for the purchase of a new cars financing. He affirmed being surprised by this discrepancy and he offered to follow up in this regard and to help. And thirdly, some personal data was incorrect, such as previous addresses including my personal name were incorrect. I specifically gave him instructions about the incorrect data and what it was supposed to dispute. 

I was supposed to put {$500.00} down and then the company charged me monthly {$150.00} Also, I was advised to subscribe to XXXX XXXX to apparently see my progress and results. This added monthly fee has been {$27.00} XXXX XXXX offered to return the money if the company wasnt successful in deleting the bankruptcy. In total, I needed to pay {$500.00} down and then {$150.00} plus the XXXX XXXX fee of {$27.00} separately. In total : {$170.00} per month after the initial payment. 

On XXXX, I started to receive correspondence from the credit bureaus, I assumed they submitted an initial dispute. I provided them with the correspondence I had received by email on XX/XX/XXXX ( I had received mail and email from the bureaus ). 

After that time, I reached out to them occasionally to see if they had an update not only about the bankruptcy dispute, the incorrect data in my name and previous addresses and about the discrepancy in the credit scores. No response, not even about the disputes of the names and addresses. No word about the dispute of the Fico score ever. 

After the first week of XXXX, I didnt see any activity other than the initial dispute between XX/XX/XXXX and XX/XX/XXXX. However, I have been charged {$150.00} + {$27.00} monthly since. 

I asked to speak with XXXX, the person whom I had initial contact with no response. I sent several emails requesting an update and to provide proof of the work they have done after XX/XX/XXXX with no response. I requested to speak with the owner of the company with no response. 

On XX/XX/XXXX, I received information from this company about an apparent update after my request. For my surprise, the information that I received was information taken from my XXXX XXXX account. Almost a copy of what is being reported. I had access to my own account in XXXX XXXX and I had read that information already. I replied telling them that I was a real estate broker, and I told them that I was familiar with this type of activity and that I could see that NO WORK WAS DONE FOR SEVERAL MONTHS NOT ONLY FOR SMALLER DISPUTES, HOWEVER I WAS BEING CHARGED MONTHLY WITH NO COMMUNICATION FROM THEIR SIDE. 

I HAVE NEVER HAD A RESPONSE FROM THE XXXX NOR FROM THE OWNER OF THE COMPANY AFTER MY REQUEST TO SPEAK BY PHONE WITH THEM. I ALSO REQUESTED TO HAVE TRANSACTION HISTORY, INVOICES OR RECEIPTS OF THE PAYMENTS THAT WERE WITHDRAWN FROM MY CARD WITH NO RESPONSE. 

THE ACCESS TO MY CRCO ACCOUNT TO THEIR SECURE CLIENT ACCESS WAS NO LONGER IN SERVICE WHEN I ATTEMPTED TO SEE MY ACCOUNT, MY BALANCE, MY INVOICES OR ANY WORK DONE. I DIDNT HAVE ACCESS TO SEE THE RECORDS IN MY ACCOUNT. When I realized that on purpose this company had closed my account, I sent an email on XX/XX/XXXX instructing them not to charge anymore for their services. I only received a text message from XXXX using this phone number : ( XXXX ) XXXX telling me that CRCO was cancelling my subscription # XXXX. 

I demand to have copies of the documents they prepared and submitted on my behalf to the credit companies to see what type of work they have done after XX/XX/XXXX. After the month of XXXX, I didnt receive any dispute document from none of the three credit bureaus again. 

I demand receipts of the charges/payments charged to my card account. We are talking about more than {$1000.00} dollars I had to spend for no work done since XXXX to XX/XX/XXXX. 

I demand my money back, since XX/XX/XXXX my account was charged {$170.00} for no work done. A {$150.00} fee monthly by CRCO and {$27.00} by XXXX. I must see documentation. 

How can a company who is not in communication with a client be in business? There was no communication at all on their part. I always took the initiative, often asking for an update. This company is nonprofessional, and it is taking advantage of clients who need assistance. I will request an authority to check if this company is a legitimate company. My experience is of such distrust due to the lack of communication, no response but very good at collecting monthly money from ones account. 

Also, I remember XXXX affirming that they could return our money if the company didnt have any success. We had this conversation on XX/XX/XXXX during our XXXX XXXX  telephone appointments.

Company response to consumer: Closed with monetary relief