Date Received: 2023-09-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX to XXXX. Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX. I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681. Section 602 states I have the Right to privacy 15 USC 1681, Section 6O4A. section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48204
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Getting a loan or lease
Subissue: Problem with signing the paperwork
Consumer Complaint: My brother XXXX XXXX XXXX ) went to a dealership ( XXXX XXXX XXXX used vehicles within Michigan ). I was suppose to be the co-signer of the vehicle. In which I informed him that is the only way I would sign the contract. We got paperwork I noted that the address is wrong on document and they listed me as the main buyer of the vehicle ( XXXX XXXX ). I told him that was incorrect and it needed to be changed. I was told that they changed the form to the correct format. I took his work for it and proceeded. Later while wanting to verify the documents. They never changed the problems listed. I was very confused contacted the dealership ( XXXX XXXX XXXX ) and the company that accpected the loan ( credit acceptance within Michigan ). To hopefully change the document or void the contract and give them back the vehicle if need be. The ARP is also quite ridiculous. Additional Information : I was never there in person to see anything. XXXX : the vehicle in question to check the for faults, the salesmen/women that made the contract/ advised in selling, never drove the vehicle, I am across the country XXXX in the XXXX XXXX during all of this, and my brother crashed the vehicle due to a malfunction with the vehicle in question ( due to the brakes going out in less than 2 weeks of having it. ). From what I understand the place and company have been know to have malfunctioning vehicles in more than one occasion. According to some research I did. If you didn't get the insurance they offer during the purchase of the vehicle. They will make it so you will have to pay out of pocket to repair it. Know that it cost a lot, they hope to rack up late fee to get more out a consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AK
Zip: 997XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Repossession
Subissue: Voluntary repossession
Consumer Complaint: They inflated the price of the vehicle and put things in the contract that I didnt agree to and then inflated the actual price of the vehicle I paid XXXX to XXXX to get the vehicle and then I started having mechanical Problems radiator transmission and all so I finally couldnt drive the XXXX XXXXXXXX XXXX I was supposed to pay XXXX to XXXX for then I found out they were inflating the price to XXXX I didnt know this untill after the purchases they put some kind of vehicles XXXX and XXXX XXXX afterwards and charged me extra for all that to now Im paying an large amount of interest on a XXXX older car and the price on it was upped to XXXX more than the blue book on it I already need another vehicle but cant save a down payment
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79720
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Repossession
Subissue: Company explaining amount owed
Consumer Complaint: I obtained financing twice with credit acceptance company last one was XX/XX/XXXX and got a XXXX XXXX XXXX, prior one was a XXXX XXXX. My XXXX was repossessed 4 times with fees added each time to get vehicle back. My XXXX has been repossessed about 6 times. I have paid {$28000.00} on my XXXX and it has been repossessed again and there is still a balance of {$16000.00} and now I am unable to get my car back without paying that amount in full. I have been told they will auction my vehicle and I will be responsible for the difference. I was unaware there was a class action suit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I had received a letter from XXXX XXXX and have been trying to contact them for a month now via email, phone and mail and request this information every attempt of contact, they have not gotten back to me but according to my mother call her excessively and disclosed information, Im not sure if that is true or not but what I do know to be true is I have been trying to come to an agreement and they are refusing. I understand XXXX XXXX is a receivership company meaning after failure for people to comply they can freeze bank accounts, however I have been trying to comply.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 780XX
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is a need to insure that consumers reporting agencies exercise their grave responsibility with fairness impartiality and a respect for the consumers right to privacy : subject to subsection ( c ) ant consumers reporting agency may furnish a consumer report under following circumstances and no other ( A ) In accordance with the written instructions of the consumers to whom it relates : reporting information with actual knowledge of errors ( A ) A person shall not furnish any information relating to a consumer to any Consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate With that said I wish to have items remove ASAP
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: CHRAGED ME {$14000.00} FOR GOODS AND SERVIES WE NEVER RECEIVED. THEY HAVE BEEN GIVEN DOCUMENTS FROM MULTIPLE ENTITIES, HERES ANOTHER FROM A LAWYER ACROSSED THE COUNTRY STAEING THEY HAVE BASICALLY WORKED WITH XXXXXXXX XXXX WARRANTY COMPANY TO CONTINUNE TO DEFRAUD XXXX AND CONTINUE TO CASUE EMENSE FINANCIAL DITRESS TO MY FAMILY. NOT TO MENTION XXXX XXXX XXXX XXXX XXXX IS SUPPOSED TO BE IN XXXX XXXX AND GET THERE BECUASE HER TRUCK IS STILL IN THE SHOP AFTER 18 MONTHS. - THE CONTINUE TO INTIENTIANLLY STEAL FROM USE - THEY HAVE NOT ADDRESSED THIS ISSUE WITH ME ONCE IN 2 YEARS AND I CO SIGNED FOR THIS LOAN AND THEY NEVER GAVE MY WIFE WHAT I SIGNED FOR. credit acceptance has been supplied with hundreds of documents and they STILL commit fraud taking our money, charging us, and post late payments for the fraudulent sale!!!! DENIED AGAIN FOR AN AUTO LOAN YESTERDAY!!!!!!!!!!!!!! Why? Late payments posted by you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48371
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I have a truck loan through credit acceptance. I got my loan XXXX of XXXX I pay {$850.00} a month. I have currently paid over {$11000.00} in the past 14 months. My initial loan was {$33000.00} with putting {$5000.00} cash and my trade in for {$1000.00}. My total now is {$30000.00} after paying the monthly payment for over 14 months. When I look at my transaction history I have variable interest charges. For example one month was {$900.00} another month was {$120.00}. My contract says 22 % on the truck loan. Another example is I made a monthly payment of {$850.00} at the time my total was {$30000.00} after I made the payment my new total was {$30000.00}. I have asked for a copy of my contract and have not been contacted yet. I have documents showing these variable charges. Also, I believe the company that sold me the truck had incentives from this company. They were aware of my credit score and had a certain amount of trucks for me to pick from they let me test drive the truck I bought but then told me it was a mistake after I told them I wanted it. They wanted more money than was initially discussed. I feel like I was dooped into buying a truck they knew I would never be able to pay off as long as they got their incentive.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 473XX
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Dear Fraud Department I am writing to formally bring to your attention a serious matter regarding my credit report, which has caused substantial mental stress and financial harm due to inaccurate and false information reported on my credit file. I have made diligent efforts to address this issue with both the original creditors and your agency but have received no resolution. This letter serves as a Notice of Violation of the Fair Credit Reporting Act ( FCRA ) and a formal demand for the immediate removal of the inaccurate and false accounts from my credit file. Please be advised that I have retained legal counsel, and if these accounts are not removed within three ( 3 ) business days from the date of this letter, we will proceed with filing a claim in small claims court to seek remedies for these violations. The following accounts are in question XXXX XXXX XXXX XXXX Credit Acceptance Corporation XXXX XXXX I would like to emphasize that the reporting of these accounts on my credit report is both inaccurate and harmful, as they have negatively impacted my ability to secure credit, housing, and other financial opportunities. Under the FCRA, consumers have the right to accurate credit reporting, and creditors and credit bureaus have an obligation to ensure the integrity of the information they report. I have previously sent certified mail letters to the original creditors of these accounts, requesting debt validation and providing them with a reasonable opportunity to respond, as required by the law. However, I have not received any response from the original creditors within the legally mandated time frame. I have attached each letter that has been sent out with no response. The FCRA clearly stipulates that credit bureaus must investigate and remove inaccurate information within a reasonable time frame. My request for removal of these accounts is well within the bounds of the law and is based on the following FCRA provisions : Section 1681s-2 ( b ) - Responsibilities of furnishers of information to consumer reporting agencies. Section 1681i - Procedure in case of disputed accuracy. Section 1681e - Compliance procedures. Section 1681o - Civil liability for willful noncompliance. I urge you to take immediate action to investigate these accounts, confirm their inaccuracy, and remove them from my credit file. Failure to do so will compel me to proceed with a claim in small claims court to seek remedies for the violations of my rights under the FCRA, including damages for the mental stress and financial harm I have endured. I have retained an attorney, who will represent me in this matter. Please consider this letter as my final attempt to resolve this matter amicably before pursuing legal action. I request that you send written confirmation of the removal of the aforementioned accounts from my credit report within three ( 3 ) business days from the date of this letter. Thank you for your prompt attention to this matter. I trust that you will take the necessary actions to rectify these violations and prevent the need for further legal action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A