Date Received: 2022-05-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B 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:
State: MI
Zip: 48126
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In regards to GM financial account number XXXX I have filed complaints with GM, XXXX and XXXX. About the account. On XX/XX/2022 all XXXX places came back telling me the information will remain on my credit report and will not be change citing that they are all reporting it accurately. This however is in fact a lie and is being falsely reported on my Credit profile. I have attached here to a copy of the final payment along with details of when GM cashed the payment. The date is listed as XX/XX/2022, a month before they sent back findings that they are reporting correctly and there is a balance owed. All XXXX of the mentioned clearly did not do an actual investigation or provide accurate findings. They simply reply ex that it was correct just to close out the complaint so they didnt need to be bother with it
Company Response:
State: PA
Zip: 18940
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act GM Financial Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : 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:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat any payment on a credit card account under any open end consumer credit plan as late for any purpose.
Company Response:
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-01
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 XXXX XXXX Account # XXXX has violated my rights. In accordance with the fair credit reporting act, acct # XXXX OF Gm Financial, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a account under a open end consumer credit plan as late for any purpose.
Company Response:
State: MS
Zip: 388XX
Submitted Via: Web
Date Sent: 2022-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX an unlawful inquiry showed up on my XXXX credit report from GM FINANCIAL. This inquiry is unlawful because i never authorized it. By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, GM FINANCIAL is also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) I have attempted to solve this issue myself. Here is what i did. XX/XX/XXXX i sent a request for removal to GM Financial through certified return receipt mail. The id is : XXXX. This gave the company 10 days from receipt of the letter to respond. XX/XX/XXXX i did not get a response XX/XX/XXXX i have finally had enough time to submit this complaint. I know that the company did receive this request for removal, in which i was very specific about the laws they are breaking, so i ask that you reach out to them and push them to complete the removal of this inquiry. I have provided all documents needed below. Thank you
Company Response:
State: AZ
Zip: 851XX
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: GM Financial Account number XXXX Is not possible for a original creditor to report a balance on a account that have charged off because by definition of GAAP [ General Accepted Accounting Procedure ] This Debt was be writing off to uncollectible and the Company Profit & Lost Statement of the financial reports Also they cant make a past due balance on a charge off a account either
Company Response:
State: AZ
Zip: 85351
Submitted Via: Web
Date Sent: 2022-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an pan end consumer credit plan as late
Company Response:
State: CA
Zip: 92563
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC 1681 section 602 states, I have the 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. 15 USC 1666B a creditor may not treat a payment on a loan under an open end consumer credit plan as late for and purpose.
Company Response:
State: IL
Zip: 60409
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: I leased a vehicle from XXXX XXXX and turned in the vehicle on XXXX XXXX and purchased a new vehicle the same day. They took possesion of the old car ( XXXX ) with the original license plates and my new car got new plates from dealership. A year an have later, I received notice from the credit bureaus that I had an outstanding debt from GM Financials -- the lessor. When I contacted them, they said there were property taxes due for XXXX, which I didn't have possession for. They asked me to send confirmation that the dealer took possession of the vehicle on XX/XX/XXXX and I emailed the documentation on XX/XX/XXXX. I continue to receive calls and have this listed on my credit reports. On DMV 's website it indicates-If the lessee relinquishes the leased vehicle at lease terminaation, the lessee has no further obligation to DMV regarding this vehicle. Any actions regarding the vehicle after relinquishment are the sole responsibility of the lessor. .
Company Response:
State: VA
Zip: 22030
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A