THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. It is very important to do your own analysis before making any investment based on your own personal circumstances and consult with your own investment, financial, tax and legal advisers.Ĭompany NMLS Consumer Access #2110672 MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER Our content is intended to be used for general information purposes only. Companies displayed may pay us to be Authorized or when you click a link, call a number or fill a form on our site. This was the short story.but, long story short, stay away from this company if you want to keep your sanity.ĬonsumerAffairs is not a government agency. I received an update from CFPB on March 13th, that Equifax and Experian is preparing a response and what their actions will be, but Republic Finance is yet to respond to the complaint sent to them by CFPB with file attachments of all the records I provided (payment history, garnishment payment receipt, dates of payments and other interactions with them, dispute dates and outcomes, screenshots of the credit report and their reports to the bureaus) whereas a bunch of months, they didn't report anything, not even the payment made in full on December 8, 2021. I then file a complaint with CFPB regarding Fair Credit Reporting against Republic Finance, Equifax, and Experian and advise in said complaint that since my complaints and dispute are being totally disregarded and it is affecting me emotionally and financially, I am ready to sue republic, Equifax, and Experian for violation of the Fair Credit Reporting act and anything else their actions fall under. In February 2023, I dispute this again and the status is updated to $0 balance, Paid charge off. That call ended with me hanging up on him and telling him I am getting an attorney to sue them.ĭecember 2023, these people report to the credit bureaus that I have a balance of $148 and charged off. I told him I don't owe them anything and asked did he hear anything I just told him that the entire balance was paid off in December 2021. November, I then called the local business, and the guy on the phone first told me to call that department back, I rejected this, he pulled up my account and preceded to tell me that I had a $143 balance and would I be paying that on the call. This went on the entire remaining year of 2022. and they never called me or removed this inaccurate information. October 31, 2022, I call Republic Finance dept., they forwarded my inquiry to a litigation mgr. I disputed this 2 more times and still they responded that it was accurate. They responded to the dispute that the information was reported correctly and Equifax and Experian did not remove it. I disputed the reporting of this information and provided a payment receipt that the entire balance owed to them had been paid off through the court's garnishment order in December 2021. January 2022, these people reported to the credit bureau that my balance was $3803. This was on December 4, 2021.ĭecember 8th, the entire garnishment amount they sued for was paid in full plus the Lexis Nexis fee to make the payment was made over $4800. Received another email from the attorney that the payment was made and that the company was in breach of the order. Regardless of this, where I worked was served with a garnishment order, a response was given as to how much would be withheld from my check each week and sent in at the end of the 4 week period on which date. Received an email from an attorney regarding a garnishment order that had been approved in the amount of $4800+, I was never served with a garnishment hearing, so of course I didn't show up in court (I would have if I had been notified).
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