Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #17970216
Complaint Overview
Complaint ID: 17970216
Company: Continental Finance Company, 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: Utah
ZIP Code: 84119
Date Received: 2025-11-27T12:00:00-05:00
Date Sent to Company: 2025-11-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XX/XX/year>, I opened a Reflex XXXX account issued by Celtic Bank and serviced by Continental Finance Company ( CFC ). The card was advertised as reporting monthly to all three major credit bureaus and I obtained it specifically to build positive credit history. Since opening the account, I have used the card and made payments on time each month. As of my most recent credit reports dated XX/XX/year> from XXXX XXXX XXXX XXXX, this XXXX account does not appear at all on any of my credit files. In contrast, another card serviced by CFC ( the FIT card issued by XXXX XXXX XXXX, opened XX/XX/year> ) is reporting correctly to all three bureaus as an individual revolving account with a {$400.00} limit, high balance {$140.00}, and pays as agreed status. This shows that CFC is capable of and currently furnishing data to the bureaus, but is omitting the XXXX account entirely. On XX/XX/year> I emailed CFCs back office to report XXXX issues : ( XXXX ) my XX/XX/year> XXXX statement had not posted to my online account, and ( XXXX ) the account was not being reported to any credit bureau despite several months of use and ontime payments. I asked XXXX to post the missing statement, correct the reporting failure, and provide written confirmation. XXXX responded by mailed letter dated XX/XX/year> stating only that they are unable to honor your request and that the account is being accurately reported to the credit bureau agencies and can not be altered. They did not explain why the XXXX account is not present on any of my credit reports or provide any documentation showing that it is being reported. The result is that my positive payment history on the XXXX card is not being furnished to any bureau, while CFC claims they are reporting accurately and refuses to correct the issue. This deprives me of the primary benefit that was advertised for the card ( monthly reporting to all three bureaus ) and prevents my ontime payments from contributing to my credit history. I am asking the CFPB to require CFC to properly investigate, to begin furnishing complete and accurate data for the XXXX account to all three major bureaus ( including backdating the history to the accounts opening in XX/XX/year> ), and to address any harm caused by the failure to report.
Frequently Asked Questions
What is Complaint #17970216 about?
Complaint #17970216 was filed against Continental Finance Company, 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 2025-11-27T12:00:00-05:00.
How did Continental Finance Company, 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 Continental Finance Company, LLC?
Yes, visit the Continental Finance Company, LLC company profile at readthecomplaint.com/company/continental-finance-company-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.