Consumer complaint received 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Arivo Acceptance, LLC
State: GA

Complaint narrative:
I am filing this complaint against Arivo Acceptance for furnishing inaccurate, inconsistent credit information to the three credit bureaus, failing to honor multiple written commitments to correct that information, and refusing to fix specific, factually impossible entries even after being shown documented proof. XXXX XXXX Background : XXXX XXXX My spouse and I had a joint auto loan with Arivo Acceptance ( Account # XXXX ). The account was settled in XX/XX/year>. In an email dated XX/XX/year>, XXXX representative confirmed in writing that the account was resolved in XX/XX/year>, that the balance is {$0.00}, and that it was settled for less than full balance. XXXX XXXX Issue 1 Factually impossible entries that post-date the settlement. XXXX XXXX My Experian report ( pulled XX/XX/year> ; Arivo last updated it XX/XX/year> ) shows 90-day late payment entries and CO ( charge-off ) payment history markers for XX/XX/year> and XX/XX/year> during and after the month Arivo itself confirms the account was resolved. An account can not be 90 days late or charging off in the same month it was settled. These entries are false on their face, and Arivo has refused to remove them. XXXX XXXX Issue 2 Three irreconcilable versions of the same account. XXXX XXXX As of XX/XX/year>, Arivo is furnishing materially different data to each bureau : - XXXX : Payment Status Charge Off/Other Derog, eight separate 90-day late entries ( XXXX ), CO markers through XX/XX/year> - XXXX : Worst delinquency Bad debt/collection, four 90-day late entries, CO markers XXXX, different charge-off timeline - XXXX : No delinquency reported, {$0.00} balance, settled status The same account can not be XXXX XXXX different ways. At least XXXX of these versions are inaccurate, which means XXXX is furnishing information it can not certify as accurate, in violation of FCRA XXXX ( a ). * * Issue XXXX Multiple broken written commitments to correct the reporting. XXXX XXXX Arivo has previously committed in writing to correcting this accounts reporting, including : ( 1 ) its response to XXXX Complaint ID XXXX, and ( 2 ) an e-XXXX submission referenced as XXXX. Months later, those corrections have not taken effect on XXXX XXXX XXXX. I also sent a certified demand letter in late XX/XX/year>, followed by emails on XX/XX/year> with the relevant report pages attached showing the exact fields at issue. XXXX XXXX Issue 4 Refusal after documented proof. XXXX XXXX On XX/XX/year>, after I provided report pages from all three bureaus identifying the exact inaccurate fields, Arivos representative responded by defending the charge-off generally, declining to address the post-settlement XXXX XXXX entries, declining to address the bureau-to-bureau inconsistencies, declining to address its prior written commitments, and stating Arivo will not be deleting the tradeline. The response suggested I consult a credit specialist rather than addressing the documented errors. * * Harm : * * This inaccurate reporting is actively blocking my family from qualifying for a mortgage and has caused ongoing financial and emotional harm to my spouse and me. I negotiated and honored a settlement in good faith ; Arivo has not honored its side regarding accurate reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation