Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #8319422
Complaint Overview
Complaint ID: 8319422
Company: Adir International LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: California
ZIP Code: 92020
Date Received: 2024-02-09T12:00:00-05:00
Date Sent to Company: 2024-02-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To whom it may concern, I am writing to file an official complaint against Curaao and XXXX for providing false payment history on my credit report. I had an account with CURAAO beginning in XXXX, I experienced a hardship between XX/XX/XXXX and XX/XX/XXXX in which I was late on my payments. I was able to pay off the account completely to CURAAO in XX/XX/XXXX. Now comes XX/XX/XXXX, I am purchasing a vehicle and XXXX was the only credit agency reporting this account as charged off. This affected the payments and the interest of the car I decided to purchase. I was under the impression for months that I was in good standing with my credit by looking at it consistently through XXXX and XXXX and a charge off is suddenly showing on XXXX from a credit card I had paid off in XXXX. Although there were some late payments, the account should not be marked as a charge off because the debt was collected. It is showing on my report that there is XXXX negative months on this account and thats false. I tried to dispute this twice and they are claiming that the information is correct. I called Curaao and they confirmed the account was paid off, I have a bank statement from XX/XX/XXXX with the payment made to Curaao.
Frequently Asked Questions
What is Complaint #8319422 about?
Complaint #8319422 was filed against Adir International LLC regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-02-09T12:00:00-05:00.
How did Adir International 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 Adir International LLC?
Yes, visit the Adir International LLC company profile at readthecomplaint.com/company/adir-international-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.