Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #9326131
Complaint Overview
Complaint ID: 9326131
Company: Atlanticus Services Corporation
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: Arizona
ZIP Code: 851XX
Date Received: 2024-06-22T12:00:00-05:00
Date Sent to Company: 2024-06-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My credit report shows that this account was charged off. Thats fine. However, I called Aspire and paid them directly to settle my account in full. Aspire did not report that my account was paid at all, instead, they updated my credit report to show that it was charged off twice. Once AFTER I paid. I disputed this information with XXXX and within 24 hours, Aspire dropped my score another XXXX points with showing the 2nd charge off. I called Aspire and customer service said they could not help me so they transferred me to the Collections Department who told me they are not required to report that an account is paid. Just that it is charged off. I know this to be false. I tried to explain that its false. Aspire is refusing to handle this matter.
Frequently Asked Questions
What is Complaint #9326131 about?
Complaint #9326131 was filed against Atlanticus Services Corporation 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 2024-06-22T12:00:00-05:00.
How did Atlanticus Services Corporation 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 Atlanticus Services Corporation?
Yes, visit the Atlanticus Services Corporation company profile at readthecomplaint.com/company/atlanticus-services-corporation 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.