Date Received: 2023-12-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Unauthorize use credit inquiry ( s ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: KY
Zip: 40258
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am currently rewriting my complaint with GM FINANCIAL concerning inaccuracies in the information on my account. Despite sending a letter requesting an investigation into the mentioned account, the process took over 30 days to complete. GM FINANCIAL claims to have finished the investigation, but upon reviewing my recent report, I observed no changes. They assert that the information is verified, but discrepancies in the date of last activity, date opened, date of last report, payment history, and status suggest otherwise. This situation seems unjust. I am aware of my rights under 15 U.S.C 1681 section 602 A, which guarantees my right to privacy, and 15 U.S.C 1681 section 604 A Section 2, stipulating that a consumer reporting agency can not furnish an account without my written instructions. I have attached my FTC with the report number XXXX for this complaint.
Company Response:
State: TX
Zip: 77479
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per XXXX as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer XXXX have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S. Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S. Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974. Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. ONLY : XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX PLUS XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX -CAPITAL XXXX XXXX -GM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) - Inquiries - personal name XXXX as inaccurate per - personal date of XXXX - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX
Company Response:
State: MI
Zip: 48044
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I purchased a vehicle from gm financial hit hard times and returned it..never once have i been late now they are reporting us as late because the dealership decided to ground the vehicle late and are telling us they can't do anything for 60 days.. we have submitted proof that we returned the vehicle before it being late they stated they have it. Not only this impacted my credit score but hurts my credit assistance when applying for credit. Gmfinancial should be held responsible if the 30day late payment is not removed immediately I will pursue legal damages.
Company Response:
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am filing this complaint with Consumer Financial Protection Bureau to report my recent experience of Financial Abuse with " GM FINANCIAL ''. First and forest, I am a victim of financial abuse, which has reflected on my credit report within the last couple of months. I am filling this complaint to report GM Financial for fraudulently processing my credit report over 8 attempts within the last three months. GM Financial has processed my credit report eight times on the same day and on different occasions, which resulted in this issue. This company has abused my credit report and continues to process my information without my authorization and consent. As a victim of financial abuse, I had no choice to place a freeze/ fraud alert on my credit report with all credit bureaus. My accounts with XXXX and XXXX Credit Bureaus are currently being investigated due to this unauthorized activity in such a short amount of time. I have reported this matter to GM Financial several times over the phone to the finance supervisor XXXX XXXX and XXXX XXXX. I have not received any documentation or information on this matter from GM Financial. I have spent weeks and days attempting to resolve this matter and there seems to be no response from this company. I am seeking a resolution to recovery my credit report. I have listed below the dates that this company has abused and processed my information without my consent. GM FINANCIAL : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023
Company Response:
State: FL
Zip: 33134
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Recently, I did an investigation on my credit report and have found questionable reporting practices and failure to meet minimal requirements with GM Financial and XXXX. I have written several letters to all three credit bureaus back in XXXX, as noted in your system asking for validation. All have claimed that they have verified the inaccuracies GM Financial has reported on my credit report. On XXXX XXXX, XXXX I have sent a letter directly to GM Financial and XXXX asking for a correction and/or prompt removal of incomplete, outdated or unsupported information. To date, nothing has been updated. As a consumer, I request to know all of the steps this agency took to ensure that these items were reported as 100 % accurate under 15 USC 1681i ( 7 ) Method of verification. Description of reinvestigation procedure.
Company Response:
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Getting a loan or lease
Subissue: High-pressure sales tactics
Consumer Complaint: I recently sent GM Financial a Notice of Violation of 1006.6 Communications in connection with debt collection. They insistently send me emails at the most inconvenient times ; I am a very busy, hard-working woman and need not be disturbed with payment reminders between the hours of XXXX. GM Financial have sent 5 emails concerning payment reminders and payment status after XXXX and before XXXX. I sent them this Notice, attachments of the 5 emails sent from GM accounts receivable department, and attachment of my invoice for each email I am requesting {$1000.00} per violation a total of {$5000.00} plus 7 % tax rate totaling {$5300.00}. Please look into this matter since my consumer rights have been directly violated and I feel harassed with these payment reminders.
Company Response:
State: FL
Zip: 33178
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
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 a right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a car account under an open end consumer credit plan as late for any reason.
Company Response:
State: IL
Zip: 60153
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. Upon reviewing my credit report, I noticed that the account shows a negative payment status, specifically indicating that it's 30 days late. I would like to formally request that you furnish me with the proof of this late payment. If unable to do so, I kindly ask that you remove the negative payment status associated with the account. Your prompt attention to this matter is appreciated, and I respectfully request that you conduct a thorough investigation in line with the Fair Credit Reporting Act. I would appreciate it if you could provide me with the results of your investigation and an updated credit report reflecting the necessary corrections within 30 days of receiving this letter. GM FINANCIAL XXXX.
Company Response:
State: CA
Zip: 92705
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: GM FINANCIAL, XXXX, and XXXX continue to report inaccurate information onto my consumer report. All of them are financial institutions that make a profit from selling my nonpublic information. Since this information is pertaining to me I have requested the accounting records to verify the accuracy of these reports. Neither has sent validation of this alleged debt but continue to furnish deceptive reports tarnishing my character and reputation. Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Account Description : Individual Joint Creditor Type : Miscellaneous Finance Auto Financing Creditor Remarks : Charged off as bad debt Profit and loss write-off Voluntary surrender. XXXX XXXX XXXX XXXX - XXXX certain deceptive forms XXXX XXXX XXXX prev | next ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX of this title for failure to comply with a provision of this subchapter. XXXX XXXX Code XXXX - False or misleading representations XXXX XXXX Notes XXXX | next A debt collector XXXX not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( XXXX ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which XXXX be lawfully received by any debt collector for the collection of a debt. ( XXXX ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( XXXX ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the XXXX, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( XXXX ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( XXXX ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( XXXX ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( XXXX ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( XXXX ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. ( XXXX ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( XXXX ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. ( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. ( XXXX ) The false representation or implication that documents are legal process. ( XXXX ) The use of any business, company, or organization name other than the true name of the debt XXXX business, company, or organization. ( XXXX ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. ( XXXX ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section XXXX ( f ) of this title. XXXX XXXX XXXX XXXX - XXXX certain deceptive forms XXXX XXXX XXXX prev | next ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX of this title for failure to comply with a provision of this subchapter.
Company Response:
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A