Bank of the West Consumer Loan Complaint

Bank of the West Consumer Loan department,

Installment loan Managing the loan or lease Arizona

The Bank of the West loan reports on my credit as " Charged-Off ''. However this loan should never have been " Charged-Off '' as I was covered by GAP Insurance. In addition to this erroneous reporting ; My report dated - -, - reported this item as charged-off -/-/-. Bank of the West has now changed the charged-off date to -/-/- and then again for the 3rd time with a new charged-off of -/-/-. This company clearly keeps reporting erroneous inaccurate information on my credit report. This new charge-off date has dramatically lowered my credit rating/score and has damaged me greatly. Potential creditors see this as a " NEW '' item that is in default ; which should NEVER have been reported as " Charged-Off '' in the first place. Re-aging an item is a violation of the FCRA. Furthermore this erroneous information has caused me to be turned down for home financing. The reporting also shows a balance of $250.00. I was never notified of a due balance because I had GAP insurance, there should not have been a due balance. I 've disputed this erroneous item with -, - and - and Bank of the West has verified that the information is accurate. Which clearly is not.