Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5069349
Complaint Overview
Complaint ID: 5069349
Company: Scratch Services, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information is missing that should be on the report
State: California
ZIP Code: 94591
Date Received: 2022-01-04T12:00:00-05:00
Date Sent to Company: 2022-01-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Back on XX/XX/2021 I received an email from Scratch loan servicing stating that my XXXX loan had been forgiven & is paid in full! I was excited & grateful for this. About a month or so later, I never saw this positive debt reflected on my commercial/business credit report. I found information on Scratch 's website stating that they do report to these bureaus, like XXXX XXXX XXXX. I have repeatedly called & emailed Scratch for about 2 months, receiving 1 reply that they will contact me back. To this date, I have not heard back from them. I then reached out to the lender directly, XXXX XXXX XXXX. They said they would contact Scratch on my behalf and that has had no results. I am requesting that Scratch honor their reporting guidelines as stated on their website, and I believe is a guideline/rule with the XXXX as well.
Frequently Asked Questions
What is Complaint #5069349 about?
Complaint #5069349 was filed against Scratch Services, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2022-01-04T12:00:00-05:00.
How did Scratch Services, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was not 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, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Scratch Services, INC.?
Yes, visit the Scratch Services, INC. company profile at readthecomplaint.com/company/scratch-services-inc 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.