Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #14089346
Complaint Overview
Complaint ID: 14089346
Company: Goal Structured Solutions, LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Tennessee
ZIP Code: 38305
Date Received: 2025-06-15T12:00:00-05:00
Date Sent to Company: 2025-06-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am continuously having issues with XXXX some creditors, and receiving a fair on-time reporting and update to my credit report. This is also related specifically to my accounts not updating my account to keep my credit score low. XXXX is refusing to update my credit score. To explain they have not increased my score even after showing positive activities on my payment history and Creditors account. They have unfairly and intentionally tried to keep my credit score low to keep me from moving ahead in life. I reached out my creditors about these issues. The creditors have informed me on multiple contacts that they have reported these accounts on time and accurately. But this credit bureau is not updating and giving me updated and fair credit scores. But if you look at the changes and updates to my credit score from XXXX XXXX. It clearly shows that they have unfairly decreased my XXXX XXXX, but have not increased my XXXX XXXX even with positive and on time payments. I have completed disputes multiples time with the same account in XXXX and XXXX XXXX. The credit bureaus turn right around and update the account with the same info after XXXX hours on XXXX XXXX , especially XXXX XXXX is boldly refusing to be fair when it comes to my credit report and on time and accurately update my credit report and credit score. Another example with a creditor that reported a closed/collection account : XXXX XXXX XXXX &. I thought since it was a collection account I figured that I would try to pay something on it to make positive progress. I paid a small amount in XX/XX/year> of {$2.00} to see what XXXX would do. They unfairly of course decreased my credit score by XXXX points on XX/XX/XXXX, after increasing a day before XXXX points. They refused to update my credit report/score since then even after filing multiple disputes to reflect positive actives on my credit report. This is proof of discrimination, unfairly and intentionally trying to keep my credit score low to keep me from moving ahead in life from a credit worthiness standpoint. Failure to investigate disputes Failure to update information
Frequently Asked Questions
What is Complaint #14089346 about?
Complaint #14089346 was filed against Goal Structured Solutions, LLC regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-06-15T12:00:00-05:00.
How did Goal Structured Solutions, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Goal Structured Solutions, LLC?
Yes, visit the Goal Structured Solutions, LLC company profile at readthecomplaint.com/company/goal-structured-solutions-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.