Southern Auto Finance Co CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/07/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76006	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA XXXX ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. SAFCO bal. {$8500.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( XXXX ) Block of information resulting from identity theft. XXXXBlock. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
08/03/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33312	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. SAFCO bal. {$10000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/25/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	TX 78244	Web
XXXX XXXX XXXX XXXX & SAFCO are in violation this is not my information I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law XXXX and XXXX are consumer reporting agencies and I am the Consumer According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
12/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89120	Web
NOTICE TO AGENT XXXX NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT. In pursuant to 15 usc 1666 ( 3 ) ( i ) ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or I do not agree with the statement that has been reported on my consumer report without my consent, show me the documents that I gave them permission to report anything on my consumer report, further more they have infringed upon my rights to privacy. Due to the fact of them reporting inaccurate information on my consume report this has stopped me from being able to leverage my consumer report to acquire my everyday living and a new car pursuant to 15 usc 1681 ( a ) the banking system is depended upon fair and accurate reporting, furthermore you have infringed upon my right to privacy later stated within the congressional findings of the FCRA. I feel as the misuse of my credit is taking place because I am apart of a tribe and indigenous, they are discriminating me by reporting innacuate information. Once again I demand that they provide me with the written communication in where I gave them the right to report these late payments, I demand deletion at once with these late payments reported on my consumer report. Credit is the right granted by me the creditor and with the deceptive and unfair practices they have affected me from exercising my rights and acquiring lines of credit. I Demand that they send the consumer file to the address below XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
11/05/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 76549	Web
I had the IRS assess my account by sending SAFCO a1099a and 1099c. I completed a 1099a and 1099c IRS forms to cancel the debt. After SAFCO received them I contacted them and asked if they received them. I was told they were not in my file. I sent them a copy that I had when I submitted them to the IRS who mailed them the copies. I sent them a letter with the forms and negotiable instrument stating that according to UCC law dealing with legal tender that the debt had been settled. They responded back saying that that the negotiable instrument I sent was not an accepted form of payment. I sent another letter stating that it was according to UCC 3-603. They need to settle and satisfy the debt or there will be a Notice of Claim and Intent to Sue. They end up sending me papers that I signed, and their CFO knows that pertaining to the UCC law that I am right after I did my research. I addressed all my letters to XXXX XXXX XXXX, XXXX SAFCO Corporate Headquarters, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. As an American, all debts are obligations of the United States U.S. Constitution Article VI because according to HJR 192 the United States ( which is a corporation ) is insolvent. The credit of the American people is used as collateral for U.S. debt. They were told to send me the papers saying the lien is released, contract paid-in-full, and title to the car. They decided that they are going to ignore the law. I send a letter about GAAP ( General Accepting Accounting Principles ) questions that they are supposed to respond to along with an affidavit to XXXX XXXX XXXX, CFO which was completely ignored. I also sent the 1099oid and 8281 to IRS for the account. I have a copy of a letter from President Trump on Pre-Paid Non-Obligatory Commercial Debt Obligation Arrangement with the United States in relation to 12 U.S. Code Sec. 95a. All of this and they still want to continue to extort money from me knowing that what I have submitted to them is lawful. What good are laws if you are not going to obey and follow them? However, I am completing an administrative process in this commercial transaction to have this account settled and satisfied. After I complete the administrative process if they do not comply, they will be in default and then that is when I will take legal action. According to U.S. Constitution Article 1, Section 2, Clause 3 American Indians are tax-exempt. I do hope that your investigation will bring about some type of result to address my issue.
10/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89120	Web
Notice to agent is notice to principal, notice to principal is notice to agent I have been deceived and misled about the use of my credit they have misinformed me and after checking the fictitious contract they created I have spotted and seen that it states very clearly that the security originally is more as the car has been paid in full the moment I gave them access to my credit to my credit 15 usc 1602 ( I ) credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I gave them my credit card and it entered me into a consumer credit transaction and that created a finance charge in pursuant to 15 usc 1605 ( a ) Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. In Pursuant to 15 USC 1681a ( 2 ) ( B ) Anything with my credit card which defined in TILA is my SSN should be excluded from my consumer report. In Pursuant to 15 usc 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include. ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Furthermore they used misleading means to attempt to collect an alleged debt, In pursuant to to 15 usc 1692e ( 4 ) 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. This is hurting my lively hood and I cant apply for anything. This has affected my mental space and stressed me beyond measures that it has caused my mental health to get to it's lowest point. I am demanding that the account with Safco, XXXX XXXX and XXXX XXXX be deleted from my consumer report XXXX XXXX, Beneficiary ALL RIGHTS RESERVED
04/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 43016	Web
On XXXX XXXX I received a phone call from a Manager at Safco he advised me that my loan was behind for XX/XX/XXXX and XX/XX/XXXX. Advised I could make payment on XXXX XXXX he advised me he couldn't wait. I asked why and he had no response. He asked me if I had possession of the vehicle and I advised him no the car was In the Repair shop due to a legal issue that I was having with XXXX XXXX. He asked do I have to pay for the repairs and I advised no, he advised me he was going to call and verify the repairs don't have to be paid for and give me a call back. I never got a call back nor did he call the dealership to verify work on car instead he send someone to pick up my car and called me about 4 days later telling me I need to pay $ {$1500.00} within 10 days to get the car back. Very Unprofessional!! I recently found out that My credit is reporting 30days for XX/XX/XXXX and 90 days for XX/XX/XXXX ( incorrect ). Safco advised me that they placed a repossession on my credit for the month of XX/XX/XXXX, I don't understand why you took my car in the first place and report a repossession when you had the car for less than 5 days in your possession, in order to remove the 90 days on my credit report the R listed for XX/XX/XXXX have to be remove. Safco refunded me all the fees I paid for my repossession in XX/XX/XXXX due to my XXXX comlplaint. They refuse to remove The Repossession, They are very unprofessional, I speak with XXXX the manager everytime I call and she has no patience to the point where she just want to hang up the phone, her only response is we report accurate information. I asked her why is my credit showing 90 days when at no point was my account 90 days, she advised me it was. That's incorrect at no point it was. I asked how do you report a repo on a customer credit when you had the car for roughly 5 days and the way your company did it was unprofessional. She got snotty and said dispute it with the credit bureau but I don't get anywhere because they go back to the lender. My car was repo in XX/XX/XXXX and the repossession was reported on my credit in the year XX/XX/XXXX. I recommend everyone stay AWAY FROM SAFCO! I will do everything in my power to get this issue resolve If we cant come to a agreement I will see them in court.
02/06/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	VA 23602	Web
This info below includes Safco as well, here is the situation Safco ... ... .I received a call from XXXX advising me my account was past due, and l told her no it is not, l told there there is an error, she told me l needed to contact Safeco, which l did on XX/XX/2020 who told me they will reach out to XXXX XXXX in the meantime XXXX told me that they would have repossessed and l told here for what was she talking about that l am 100 % current on my loan and payments. I am asking your department to get ask for an update of what the discretion is as Safco tols me it is not in arrears and that also they told me XXXX has not sent over payment l spoke to XXXX a supervsior at Safco. I have email confirmations on all payments. There calls are recorded on XX/XX/2020 l submitted payment, then on XX/XX/2020 l called to see what the problem was that my payment had not gone through the bank XXXX said it did not go through, so l said it never went to my bank as my bank verified they never attempted to send the payment to my checking account and that is what prompted me to call them, gave them the checking account info again and then on XX/XX/2020 get called from XXXX telling l was 3 months in arrears and was getting ready to have my car repossessed and told her my account is up to date, she tried telling me that both dates in XXXX did not go through and l told her that she told me on XX/XX/2020 that there might have been one number out, there calls are recorded l welcome they pull the call, on XX/XX/2020 she never said my account was in arrears which it is NOT it is current and up to date and l told her that l have all email payment confirmations, I called Safco and they told me it is not in arrears and that they will also call XXXX as XXXX has not been documenting in my account and Safco said have not sent over payments as well. The right hand does not know what the left is doing, l am asking they fix this error that has occured with my account and there company. Safco told me they have never reported, my discharge date to them as well.
07/30/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30067	Web
First and foremost on XX/XX/XXXX I went to XXXX for a consumer transaction for a XXXX XXXX XXXX, I gave XXXX my credit credit which is clearly defined under 15 usc 1602 ( l ) and it states : ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I extended credit to southern auto finance company " aka '' SAFCO and I the natural person received no benefit. Southern auto finance company " aka '' SAFCO practiced unauthorized use of my credit card. Southern auto finance company " aka '' SAFCO has violated multiple rights and I the consumer received no benefit, Congress has stated this under 15 usc 1602 ( p ) and it states : ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Only I the consumer and natural person have authority over my credit card because I am the card holder the natural person. I have sent Southern auto finance company " aka '' SAFCO a cease and desist and affidavit of fact on XX/XX/XXXX which I will include in the attachments area. Also I wrote transunion and told them that I have not given Southern auto finance company " aka '' SAFCO any written instructions to report this on my consumer report. But don't take my word for it I will tell you what CONGRESS said and 15 usc 1681b states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. According to transunion which is in exhibit E they stated that Southern auto finance company " aka '' SAFCO VERIFIED this account. This company is a fraud and I will show you in the attached documents.
05/23/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 33415	Web
I do prefer the communication in Spanish but if there is not a possibility I will find a translator. I did arrive to USA on XX/XX/XXXX with my XXXX XXXX XXXX son and because I needed a car to move around on XX/XX/XXXX I went to XXXX XXXX XXXX asking for prices and they took advantage of my good will making me signed documents under pressure and without giving me any more information of the financing, they made me buy a car and under fraud no only on the inflate price but also they use false information, by the suggestion and pressure and fraudulent sales tactics by the sales agent XXXX and the Manager, to apply for a financing of a used car XXXX XXXX XXXX, XXXX, Year XXXX with XXXX miles that cost me a down payment of {$5500.00} for what I only received a receipt of {$2500.00} dollars and any other document for the other {$2500.00} I paid with a check. The put on the report false information about my job and status in USA and made sign a car loan of {$19000.00} dollars, financing during 6 years with an interest of 16.99 %. using the XXXX lenders company. I will have to pay {$520.00} per month and I don't even have a job right now to pay that car that was over priced and they never inform me the exact amount I will have to pay for a car. They only gave me an XXXX XXXX XXXX with documents and I don't even received a bill of sale printed that XXXX normally provide. I will need help from someone in Spanish language from the CFPB. By the way, That is another way for them to take advantage of me as I can not speak proper English and they knew my status as tourist and that I don't have any job. That is something base on my research penalized by law to a lender that abusive from people like me. If someone in Spanish can contact me to my number XXXX I will appreciate very much. Thanks in advance for any help, XXXX XXXX XXXX XXXX
11/23/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 75253	Web
I am currently past due about 67 days on my Auto Loan. The finance company is un willing to work with me to bring it current. I have offered a payment and for them to auto draft another payment on my next payday. They state unless I pay late fee 's plus a payment that is almost {$700.00} ( one payment {$450.00} plus late fee 's on the account ) they will not take a payment from me. This extra amount over XXXX does n't even help me with the next payment. I feel that getting my account current should be more important than late fee 's. Fee 's is something we can worry about once I get the account current. I am trying to bring the account current to the best of my ability but they will not allow me to make my regular payment amount to help bring my account current to aleast take it from 60 something days past due to 30 something and another payment in a week to bring it due for the current month. They state that they do not have to work with me and they can repossess my car at 1 day past due. I have made late payments on the loan but I have not ever broken an arrangement I have made with them. I know that making late payments is n't a good thing but the finance company should be willing to work with me not blocking me from making payments my account is not charged off. They are pushing for me to give the unit back and I want to make the payments and keep it. Now they have been refusing to take a payment for a week now and with this being a simple interest loan the interest accures daily so now they also stand to collect more money in interest. How is this fair to myself ( the consumer )? I as many people live pay check to pay check but I am doing my best to work with them and pay the loan as I agreed to do and they are doing their best to make sure it does n't happen.
12/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 347XX	Web
I've contact XXXX on an account that was closed due to non-usage. The company closed this account because I didn't use the card on a regular basis. not because of payment. I would like this to be removed it has a negative impact on my credit. XXXX XXXX did the same thing back in XXXX XXXX this is also reflecting negative on my report. XXXX XXXX closed the account because I wasn't making purchases on a regular this also needs to be removed XX/XX/XXXX XXXX XXXX XXXX another credit card with increase line of credit, and they closed the original account which also affected my XXXX XXXX. XX/XX/XXXX. This need to be removed. Not just XXXX account but XXXX. XX/XX/XXXX This is crazy on their behalf. XXXX XXXX XXXX Closed the account for the same reason. XX/XX/XXXX You can see all these accounts have XXXX balances. XXXX XX/XX/XXXX also closed for not using the line of credit. XXXX XXXXXXXX the very same issue. XXXX balance and closed account XX/XX/XXXX XXXXXXXX XXXX closed when it should reflect account paid in full. XX/XX/XXXX, All these accounts are reflecting my XXXX XXXX negatively and need to be corrected. Department ED/XXXX XXXX accounts closed with XXXX balances need to be removed again negative reflection on my credit report. XXXX account closed. Please remove. All XXXX XXXX XXXX XXXX closed and XXXX balances. Please remove. again negative reflecting on my report. XXXX accounts closed. XXXX balances. Please remove from report. This is very sad and disturbing. Dates XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX SafeCo closed XXXX balance XX/XX/XXXXXXXX XXXX Closed XXXX balance XX/XX/XXXXXXXX XXXX closed XXXX balance XX/XX/XXXX Please Remove these items that is causing all sorts of credit problems Thank you. I've tried to have these removed with no luck!
04/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 31705	Web	Servicemember
To : SAFCO XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX From : XXXX. XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX Date : XX/XX/2019 XXXX : Courtesy Credit Inquiry Removal Instead of Fraud Investigation. Dear Sir or Maam, It is my third time writing a letter to your company. I recently conducted a review of my credit report, and I noticed SAFCO put several credit inquiries on credit report that I find to be problematic. I know they are not mine, and they are fraudulent, but I dont have ( 30 ) thirty days to wait on an investigation, which I know I will win. I need to remove these inquiries very soon so I can get my XXXX XXXX. loan for my house, please? I have no recollection of doing any business with your company in my life. I got an auto financed with XXXX XXXX, I watched the finance manager called this company, and I saw him send my application to this one company only. I contacted your company and asked you all to take action and get these inquiries removed from all three credit bureaus. Your employees assured me they would comply with my request and take whatever steps necessary to resolve this issue. It is my last result. I wanted to file this as well and make sure this gets done. I am begging your company. Please investigate this and have these inquiries removed at your earliest possible convenience. I am applying for another home mortgage this week. I would very much like to have the assurance my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings soon, and I am begging. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter, XXXX. XXXX XXXX
01/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CO 80227	Web
Discovered an auto loan account in my XXXX credit report being handled by SAFCO ( XX/XX/XXXX ). I called SAFCO ( XX/XX/XXXX ) to inquire about the account, but they were unable to locate an account with my personal information ( SSN, Address, Name, DOB, Phone Number ). This occurred on multiple occasions ( XX/XX/XXXX, XXXX ). I also filed a dispute with XXXX ( XX/XX/XXXX ) to have the account removed. The dispute results ( XX/XX/XXXX ) were provided and SAFCO reported that the account did in fact belong to me. Again, I called SAFCO and they are not able to find an account number associated with my personal information. I then called XXXX ( XX/XX/XXXX ) and uncovered that there are several addresses, an employer, phone number, and name ( similar to mine but with a hyphenated last name ) tied to me. They were able to remove one of the addresses, employer, and telephone number, but not the auto loan account and name ( with identification number ) that is not mine. It seems the second address, auto loan account, and name ( hyphenated ) are tied together. XXXX acknowledged via phone call that the information being disputed is not mine, but refused to remove the information since SAFCO asserted the information belonged to me. SAFCO is also reporting my name is different via an email I received from them on XX/XX/XXXX asking for my SSN and copy of credit report. I did not respond as they should be requesting the information through XXXX and not be contacting me directly. I feel I am a victim of fraud and request a thorough investigation be completed on SAFCO and to have the information removed from my credit report. I also plan to file a fraud report with the local authorities.
02/18/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	OH 45417	Web	Servicemember
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that SAFCO ACCOUNT # XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. Sincerely,
10/26/2018	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA XXXXX	Web
This is my second dispute in regards to Safco. In regards to the dispute that i submitted on XX/XX/2018 and Safcos response.The notice to default was Mailed on XX/XX/2018 stating that I had until XX/XX/2018 to bring my account current but, the account was closed on XX/XX/2018. How can I respond to a notice to default if the account was closed 4 days before the default date? I was informed on the account status when i first called in and explained to the company that the vehicle was in the shop. I was then informed to hold off on the payment because your company would be getting back with me and that your company would place me on do not call due to late payments until your company could figure out whats going on. In mid XXXX i followed back up with the company to see what was going on after i received a phone call from Safco in which the company called and hung up. I called back and the rep got smart with me. I then asked for the supervisor and the supervisor got smart. I then asked to be contacted by writing only because i felt like this was becoming a stressful situation. HOW CAN SAFCO SEND A DEFAULT TO CURE LETTER ON XX/XX/2018 STATING THAT I HAVE UNTIL XX/XX/2018 TO BRING THE ACCOUNT CURRENT BUT CLOSE THE ACCOUNT ON XX/XX/2018? in your company words " From conversations with customer, there was no indication that any further payments would be made to SAFCO. The decision was made to write off the account as a loss, as the account was no longer secured by the collateral and there was no hope for payment from the customer. '' Did i specifically not ask to be contacted by writing? This is something that your company assumed.
11/14/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	SC 29229	Web	Servicemember
Hi My name is XXXX XXXX, I currently have a auto loan with XXXX XXXX, I have had many problems with this bank with info being report as well as communication errors with the staff. Currently there is a missed payment on my credit report, and because of that my score has taken a huge hit and no matter what i do will not get any better. I've disputed multiple times with both bank reps and the credit bureaus to no success. According to Safco i missed a complete payment on my auto loan and that is inaccurate i have never missed an payment. I have been late on account but never past 30 days. or without speaking with a representative first due to me being in military its times when i am in field training and can not have electronics which causes me to make payments after due date but per multiple agents with this company no payment has been missed that would fit there reporting policy to be late. I already had one report corrected through this company because inaccuracy. This is not fair. I can not move forward with anything else in life as far as housing and possible vehicle upgrades due to this account reporting the missed payment which is not accurate. all the bank can do is send me a payment history and i understand what there systems may say but the info is inaccurate and its just not fair that i have to continue to take the hit for something that is not true.. Ive made all the payments on this account accept one that was an arrangement Other that payment ive made all of my payments, even if they were made after due date none were ever made after the 30 day reporting policy
12/03/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	TN 37363	Web	Servicemember
XX/XX/XXXX I was in a car accident that had me out of work for five month due to injuries from the wreck. I was insured with XXXX at the time and they deemed the vehicle a total loss. Back in XX/XX/XXXX the same vehicle was vandalized. I was at that time with XXXX. I got the work done to the vehicle and have the receipt. Fast forward XX/XX/XXXX my car was vandalized again while insured with XXXX. I filed a claim and they were very slow about the process in getting my vehicle fixed. I missed the examination under oat due to never receiving the mail. All leading to XXXX deducting from the total value of the vehicle because of the vandalism they didnt cover. The car is totaled!! I almost XXXX in that wreck. What does vandalism even matter at this point?! Safco which is my lien holder decided to say to XXXX that I never got the car repaired in XX/XX/XXXX and sent for the funds. XXXX in turn pays safco without notice to me out of my bank account from a transaction thats over a year old ( {$3500.00} ) .Thats an u authorized Transaction and illegal. I am a service member and I was robbed of my resources due to the illegal acts of the banks. XXXX XXXX XXXX XXXX AND SAFCO. They should all be investigated they are multimillion dollar companies stepping on the backs of working Americans. Its against the law to take the resource of a consumer without notice I have had no money since XX/XX/XXXX. The day before my birthday!! I spent the first few weeks of my new aged life without funds. I am livid that its taking this long and want interest on the money that was taken from me.
11/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 751XX	Web
I noticed that there were some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. See items listed below. Account - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX phone # XXXX. Account number XXXX They are reporting 3 different current balances that are all different, as well as 3 Original balances that are total different, the opened dates are different, the last reported are all different, last payments are not the same or accurate. Charge offs should not have past due balances because they are late by default and all XXXX have past due balances. As well as each one of reporting that I owe a different past due amount. XXXX has 24 late payments attached to this account when there should be no late payments on charge accounts. This has impacted on other credit decisions I have applied for and have been denied. And continues to impact me negatively especially since I have not only the charge off but also each late payment that gets reported. This isn't just a reporting one error on their part this is numerous errors. This is inaccurate reporting therefore please remove this account from my credit report or update it to paid as agreed due to my FCRA right. I have been affected for a long time already due to this account. The law states that only accurate information is reported and published for consumers to see. Nothing that is reported from this company is accurate and they have violated my rights. Please send verification this account has been removed. Thank you
01/04/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	FL 33417	Web	Servicemember
In XX/XX/XXXX had an accident XXXX XXXX XXXX financed by Safco was a total loss.This was report to Safco by my insurance in XXXX XXXX I had been trying to contact with no luck sent from person to person left messages on answering machine no call backs.my insurance had very hard time communicating and receiving documents back from these people.Then in XX/XX/XXXX I became upset with XXXX help located email for them we had been trying to reach up until them.they accepted a settlement which had to be redone because of poor job Safco did they misplaced paperwork now trying to charge me extra fees on top of settlements from XXXX and gap and my rwarranty refunds these took care of full balance owed on vehicle. After They tried to charge me over {$5000.00} I filed complaint with BBB because I m being XXXX XXXX XXXX quickly calls in response and rudely tells me that I still have loan with them and I need to pay XXXX I 'm filing this because there statement to bbb was that their making adjustments and I need to contact them.Any extras are their own fault poor processing of this claim.My acct # XXXXim attaching time line of communication shows how hard it was long they waited to respond.My gap insurance had the same problem. XXXX tried to help as much as possible.But Safco is just a ripoff company trying to get extra fees this company tend to do this when contract is ending.I need to know why I 'm being double charged fees.Also they reported this to credit bureaus. I disputed it but Safco continues reporting late payments.
02/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 77088	Web
My complaint is regarding the Southern Auto Finance Company is known as ( Safco ) reporting inaccurate information on my XXXX report. I reached out to Safco ; I spoke with XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX, regards to the {$17000.00} showing past due. I asked for account XXXX negative, inaccurate information be removed from XXXX credit report. The first-time account was late XX/XX/XXXX. The statute of limitations has expired as of XX/XX/XXXX. Southern Auto Finance Company account is seven years, and six months expired as of XX/XX/XXXX. Safco has changed late date on account numerous times so account can keep showing on my credit report this is inaccurate negative information reporting on my credit report. I reached out to XXXX numerous times and request for Safco account # XXXX to be deleted from my credit account. I spoke with four agents, and one supervisor at Safco and the negative information are still reporting on this XXXX. On XX/XX/XXXX, I talked to XXXX the confirmation that was provide it # XXXX. XX/XX/XXXX, I spoke with XXXX ID # XXXX, XX/XX/XXXX, I talked to XXXX ID # XXXX she was the supervisor, and I talked to XXXX on XX/XX/XXXX, ID # XXXX. My request was to remove Safco negative, outdated, inaccurate information remove from my credit report. I also sent a letter to XXXX requesting Safco accounts to be remove from my credit report. There are two accounts reporting from Safco with different account numbers and same amount, please see attached credit report.
04/24/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	TX 77571	Web
I had a loan with Safco for a XXXX XXXX XXXX. The vehicle was flooded in Hurricane Harvey in XX/XX/XXXX. Safco has reported to the three credit bureaus that the account is still open, past due {$2300.00} over 150 days late. In XX/XX/XXXX, Safco received Gap payment of over {$4000.00} and on XX/XX/XXXX I made a payment of {$380.00} which brought the account to a XXXX balance, paid in full as of XX/XX/XXXX. I had one deferred payment during my loan and gap did not cover that deferment, therefore I made that payment on XX/XX/XXXX to bring the balance to XXXX. I checked by credit with XXXX and they stated the account was updated at the end of XX/XX/XXXX and again on XX/XX/XXXX. It was updated incorrectly. the status still shows a balance due and a open account. I have called Safco many times and I have also faxed them documentation which included my " paid in full letter '' which was not received until XX/XX/XXXX, as well as a copy of my credit report from Experian dated today XX/XX/XXXX. My credit report is not correct and I can not qualify for a loan with this incorrect information on my report. My status should be paid in full, XXXX balance, late payments due to gap paid in XX/XX/XXXX, due to natural disaster Hurricane Harvey. It is not my fault that Gap insurance took so long to pay. I need my credit reports corrected to show this was a Gap claim and was paid in full in XX/XX/XXXX and I have a XXXX balance and it was late over 150 days due to Hurricane Harvey.
02/23/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	TX 752XX	Web
SAFCO has an auto account that is reporting on my credit report. They are reporting the full loan amount on my report instead of the deficiency balance. This information is incorrect. By law they are violating multiple sections of the FDCPA and FCRA. I have sent numerous letters for this to be rectified. SAFCO also they keep change and ballooning payments to add try and collect more money which is also a violation of the acts listed above. SAFCO failed to provide notice of repossessed vehicle being up for auction, notice of final sales amount of the auction ( with deficiency balance included ), they also failed to provide notice of how to recover the car during the repossession time period. They sold the vehicle and are trying to pawn the full balance of the loan plus interest on me. Law states that a deficiency balance notice must be provided. FCRA and FDCPA both state that if a debt is written off by a company through taxes, that legally the debt has been paid. I am requesting records of the charge-off loan balance that was written off, statement of vehicle sale through auction after repossession whether public or private, deficiency balance statement from the date of sale through auction proceedings. SAFCO will need to provide all documentation of the loan paperwork signed with dealer and alleged debtor, and items listed above for my attorney 's review. At this point, we are pursuing legal recourse for violation of the FCRA and FDCPA.
11/28/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	CA 91945	Web
i called Safco to get a copy of my finance contract with reference to my XXXX XXXX XXXX trade in value amount of {$4000.00} for the XXXX XXXX XXXX XXXX i traded in to the XXXX dealerships said they would apply an additional car vehical trade in twards the loan and in addition to the cash down payment of {$10000.00} plus my Used Vehicle asking {$21000.00} as is, but XXXX sold a unnecessary extended warranty I soon canceled when I learned I that warrenty i was sold was for only the coverage of XXXX mile the seller was so ambiguous in selling me a. {$4000.00} auto warrenty. Stated I was buying a XXXX mile warrenty when the vehical already had over XXXX miles I soon learned i was played.The XXXX XXXX XXXX in XXXX. I need help with my contract because Im making all my payments and for XXXXXXXX XXXX payment due XX/XX/XXXX I scheduled a late payment to come out of my account on the XXXX only XXXX days into the due date, how I already have an statment notice of {$940.00} past due. I did a deferment last month or previous month because I felt like my payments where back to back every two weeks, i tried to reach out to XXXX about my XXXX trade. in and they never respond and so i asked Safco to furnish my contract that reflects my trade in and they reported that they received only cash {$10000.00} no trade in? is this contract invalid.
12/21/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33015	Web
Accepted a loan from Southern Auto Finance Co in XX/XX/XXXXXX/XX/XXXX I noticed discrepancies with my balance when I began to double/triple my minimum paymentXX/XX/XXXX the company admitted the mistake and reversed my payments and applied them to principal as intendedXX/XX/XXXX-XX/XX/XXXX no issues noticed, will have to go back over my records to re-verifyXX/XX/XXXX payment for double the minimum is made and is split by the company and applied going forwardXX/XX/XXXX a payment for triple the minimum is made and is again broken up and applied to future monthsThey were contacted today XX/XX/XXXX because I was going to make my final payment and close out the loan but noticed only XXXX were applied to my principal in XX/XX/XXXX (my statements are not available online so I will have to wait on them to respond to my request for an amortization table)I believe they are undertaking this practice to extend the length of the loan and squeeze more interest payment from consumers. My payment history and pattern is directly opposed to their profit motive because I will be finished with my loan almost 4yrs early. I would like my payments applied to principal and interest on the timeline I dictate not what is most convenient and profitable for them. I believe I am being penalized for paying off my loan early.
09/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85016	Web
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. Name of Account Account Number Provide Physical Verification Safco XXXX Fraud Account Thx Delete account XXXX XXXX XXXX XXXX Fraud Account Delete Please XXXX XXXX XXXX Not My account please delete
08/02/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 34983	Web
I have made my car payments on time even after I lost my job. My car payment was my # 1 priority. I had surgery and when I made my Payment I didnt realized I paid the wrong amount. When I noticed I went back to pay the correct amount only to time the system was down and did not allow my payment to go through. I was unable to make a phone payment at the time. Being in the hospital but when I was able to make the Payment they have already reported to the credit bureaus. Now my score went down 154 points and i was denied for the house i was approved for already because of the late Payment. I would have not received a late Payment if the system was not down. I spoke to someone that said they would help me and nothing happened again I called and no one then was willing to help me. I have called several times with no help and I am living in an efficiency with my kids now because I will not be approved for anything right now. I only have 1 late Payment out of 14 months and it wasnt even my negligence. I would have corrected the mishave if they system was working as it should. The rep told me the system is always doing that. But that is not anything I could tell the rental property.
05/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76119	Web
Recently I looked at a copy of my credit report and noticed some things that is VERY upsetting! The account SAFCO Account # - XXXX are reporting some very inaccurate things. I have tried and tried numerous of times to dispute this account with them through XXXX & XXXX but I guess I will have to go higher up to get this solved. This account is a CLOSED CHARGED OFF account. Which means IT CAN NOT INCUR INTERESTS!!!! The company has legally been compensated for the loss & can not continue to add fees, a charge off is essentially a XXXX account. There should be no changes reported to it AT ALL!!!! I have tried to request a XXXX from the company to show the correct balance as proof, but they refuse. I have screenshots through a monitoring app and also an EMAIL from the associate thats handling my account with the CORRECT balance. The correct balance is {$9000.00} ''. EACH month it increases and now its at {$12000.00}. This has been going on for TOO LONG. Obviously, they have not been investigating anything because this is totally wrong!!!! The account is closed and I dont have the vehicle anymore. Please get this right for me.
10/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA XXXXX	Web
On XX/XX/2018 XXXX XXXX XXXX recovered my vehicle due to motor issues and my car not cranking. I contacted SAFCO and asked if thy could postpone my car payment because i had to pay to have the car towed. My next scheduled payment was XX/XX/2018 because they deferred the payment. In between that time i lost my job and could not afford to get the car out of the shop and the mechanic placed a Lien on the vehicle. I didnt know anything about the lien until i received a letter in the mail from the tech. SAFCO then contacted me and i then became verbally abused by the rep and a supervisor stating that " Nobody told me to take a car to a shop '' but if something is wrong with a car where do you take it? They made me feel incompetent and they were very demanding. Even unemployed i tried to pay the car note, insurance and shop fees. XX/XX/2018 I tried to follow up with the tech to set up a payment plan again but was told that SAFCO did not want to pay to get the car and the vehicle now belongs to XXXX XXXX. SAFCO is now reporting the car as 30 days late and as a Profit and loss write-off
11/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	GA XXXXX	Web
I have retained new copies of my credit reports, and noticed that SAFCO did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you received on XX/XX/2018 per CFPB. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. XX/XX/2018 Hello, Thank you for your complaint XXXX-XXXX about SAFCO. We've sent your complaint to the company for their response. We will let you know when the company responds. The response should include the steps they took, or will take, in response to your complaint. You should receive a status update within the next 15 days. Your company responded on XX/XX/2018 and still failed to place a notice to dispute to the credit bureaus.
07/18/2020	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33134	Web
Basically I have a 30 day lateness on my Credit Score from XX/XX/XXXX This 30 days lateness happened at the height of the Corona Virus pandemic. At the time I was XXXX XXXX believing that I had the XXXX. Which due to my illness prohibited me from working. Later I found out that I had all the symptoms of the XXXX XXXX. I called and spoke to a representative in regards to my 30 Late payment. In hope of having my Creditor removing the 30 days late payment. After speaking to a supervisor from my Credit Union, I was informed that they WEREN'T able to help me. Unfortunately the 30 days lateness due to my illness of the XXXX XXXX has put me in a huge jam. Especially since I had plans on purchasing a house at the end of the year. The 30 days lateness on my credit report has damaged my chances of buying a house at the end of the year. Since my 30 days late reporting, my score dropped at least 200 points. So please I would appreciate your help in assisting me with removing the 30 days lateness from my Credit Union. Thanks
02/06/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	TX 76549	Web	Older American
On Saturday XX/XX/2023, around XXXX XXXX XXXX I received a call from SAFCO a rep named XXXX. I was told the call was being recorded and I also told XXXX I was recording the call and since there was no rebuttal from her, we continued with the call. She was calling about a late payment. I just happen to forget paying it and that made it XXXX day past the due date which is the XXXX of the month, although I told her it would be paid before the day ends. I asked about a grace period and was told that there is no grace period. However, businesses are supposed to have a grace period ( XXXX days ) according to my research. Since SAFCO is in Florida, Florida law pertaining to grace periods on a used auto loan is centered around Florida 's XXXX grace period. Now According to 15 U.S. Code Sec.1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Therefore, I am making this complaint because it is XXXX.
03/09/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	GA 302XX	Web
The company that I have an issue with is SAFCO. I voluntarily turned my vehicle in to this company and was actually in good standing with the company but due to mechanical issues ( after a major engine recall ) I had to make that choice. To date I continue to receive notification that SAFCO falsely reports that I am missing payments, and they report to the three credit bureaus every month that I am late with my payments when in fact the car was sold at auction and written off as a charge off. Also, SAFCO is reporting to the credit bureaus that I owe XXXX, XXXX, however note in the enclosed document the amount is XXXX, XXXX. This information is false as I stated earlier. I recognize that in accordance with the Fair Credit Reporting Act, SAFCO acct # XXXX, has violated my rights to privacy according to 15 U.S.C 1681 as well as, 15 U.S.C 1681 Section 604 A Section 2, due to the fact that a consumer agency can not furnish an account without my written instructions to which I did not consent.
07/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33142	Web
Greetings, I have reached out to all theXX/XX/XXXX concerning inquiries reflecting on my credit report I did not approve. In this process, XXXX provides the same reply every time and not providing the documents of how or who they spoke with to verify the information I am disputing. XXXX provided address information for the inquires reflecting my report - so far two on the inquiries mailing address was returned to the sender and not received. the other mailing addresses have not responded. I have enclosed a copy of the returned to the sender. I applied for a car in XXXX and that car company allowed over 10 different companies to pull my credit. This car company did not ask for my approval nor provide the companies which they shared my personal information with. Neither of the companies which pulled and reviewed my credit without approval can not provide a signature, esignature, statement, voice recording of me authorizing this pull. Which is why I disputing the following accounts.
02/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30260	Web
I have disputed Safco ( account # XXXX, XXXX ) several times. The company would remove the account for months even up to a year then it would reappear. I took the necessary steps that customer service instructed me to do, which were to obtain a police report. The documents that I uploaded are the same documents that I sent to Safco when the company were removing the account ( I only updated ftc ). I contacted police station and was told to get report where I initially discovered the account. I even took an extra step and got a FTC affidavit per law enforcement. I submitted and again, company would remove for awhile and then it would reappear. I don't know what XXXX XXXX XXXX XXXX is. I've reached out directly to this company. I have two unauthorized inquiries ( XX/XX/2018, XX/XX/2018 ) Those unauthorized inquiries have been illegally pulled and thus should not be on my report as they weren't authorized by myself, any person ( s ) or company on my behalf.
03/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33064	Web
SAFCO is reporting this account inaccurately by stating that it was voluntary repossessed '', SAFCO does not have a signed waiver or any agreement at that that states that I gave them possession of my vehicle that I obtain extending my credit. I am making this complaint to make you all aware that safco and the consumer reporting agencies are causing substantial harm and ruined my reputation due to this inaccuracy of reporting. Pursuant to 15 usc 1681e ( b ) the consumer reporting agencies have a duty to keep my report accurate as they assumed this vital role 15 usc 1681 ( a ) ( 3 ). Safco has knowingly report this false and misleading information because when I have call earlier their excuse to marking it as a voluntary repossession was not authorized by an written and or express agreement to do so. I value my reputation and entrusted SAFCO and the consumer reporting agencies to keep everything accurate.
03/09/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33415	Web
I AM CONTACTING YOU ABOUT THE COMPROMISING OF MY SOCIAL SECURITY NUMBER. I AM A VICTIM OF IDENTITY THEFT. I CONTACTED THE FEDERAL TRADE COMMISSION AND FILED A COMPLAINT # XXXX AND CONTACTED THE POLICE DEPARTMENT AND OBTAINED A POLICE REPORT # XXXX BOTH ARE ATTACHED. PLEASE BLOCK AND REMOVE ALL INFORMATION FROM MY CREDIT REPORT, AND SEND ME AN UPDATED COPY OF MY CREDIT REPORT. THE FOLLOWING ITEMS DO NOT BELONG TO ME AND IS A RESULT OF FRAUD THAT I DID NOT AUTHORIZE : SAFCO Account numberXXXX Account status Closed Date opened XX/XX/2013 Account type Auto Loan Balance Loan Amount {$12000.00} Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately :
02/11/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33319	Web
This company called Safco has a balance of {$9700.00} reporting on my credit report I have reached out to them and asked them to validate this debt because this account is not mines and I wanted a copy of the bill of sale, the original contract bearing my signature, the date o f repossession, the date it was sold at the auction, the receipt of auction sales, and the computation of thIs balance so I can see how my name got attached to this loan/ lease, I have sent multiple letters to this company asking them for the information and also to remove the negative entry from my credit profile as per the fair credit reporting act section 609, 623, 605, 611 and 604, this company in over 90 days as not replied and still continue to verify information with the credit bureaus, whatever verification is going to the credit bureau for this account to remain I need it
05/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33407	Web
I have a joint account with a family member who signed for me with SAFCO southern auto finance they kept taking more money out of my account monthly and I purposely had them get my car back because the car was junk ... .they kept charging me for a car I didn't have and have not hear from them in years now that I'm trying to get my credit fixed with XXXX XXXX now they come back putting negative comments on my credit report alot of times The credit repair people got them off the report but they came back and redid the negative so now it's still their. They are abusive and determine to ruin me and it's causing me mental breakdowns it's a nightmare with that company ... they unauthorized charges and it's different charges which is a descrepency and if that is it's gains the fair credit act and it's illegal please help me with this monster of a company
03/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33179	Web
On XX/XX/XXXX, SAFCO has issued their attached written response to my recent CFPB complaint. Within this written response, SAFCO has indicated that they processed an application for credit from the consumer on behalf of XXXX XXXX XXXX XXXX on XX/XX/XXXX. SAFCO has also indicated that the application for credit included all of the consumer 's personal identifying information. Despite the above responses, SAFCO has failed to produce any proof of a signed credit application by the consumer which was processed on XX/XX/XXXX. SAFCO has also failed to produce any evidence which directly relates to a legible copy of the consumer 's personal identifying information or a copy of a valid photo ID which supports the consumer 's above credit application process on XX/XX/XXXX. NOTE : SAFCO ( Southern Auto Finance Co. ).
03/16/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 33323	Web
Safco hired an attorney ( XXXX ) to collect a debt on my auto loan. I won a settlement agreement against Safco and the attorney due to illegal collection tactics.By Florida law Safco is not suppose to still be reporting late fees and payments to all three credit agencies. This has caused me to be declined for any new loans.This company is still reporting past due payment even though my car was issued an illegal mechanics lien which I had no control over. XXXX made repairs to my vehicle without anything from me in writing authorizing him to do so. Safco was contacted about this and did nothing to resolve the matter. My car was sold to someone else so why am I still responsible for this debt? Why did Safco issue the mechanic the title to my car.I wasnt issued any documentation from XXXX or Safco about my car.
10/16/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 33771	Web
In XX/XX/2018 I was in a car accident and the vehicle was pronounced total loss. I had GAP insurance which paid off the remaining balance owed but could not pay off 2 deferred payments or 3 my monthly payment was {$290.00} which should of equal to {$600.00} or {$900.00}. My accident was a no fault and I was driving with my family including my XXXX son which he was XXXX old at that time. So long story short I looked at my credit report and noticed that the amount changed significantly to over XXXX. I was financially destroyed and overwhelmed that I had to get a vehicle so that I was able to continue to work so that I can keep providing food and shelter for my son! I reached out to company work out a settlement but it didnt take out as they demanded the full debt. Im questioning why the balance is so high??
10/06/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NC 278XX	Web
Safco Acct XXXX is reporting on my credit report. Contact Number XXXX Purchase date XXXX XXXX XXXX Voluntarily surrendered the vehicle due to lemon car Voluntarily surrendered Vehicle call in on XXXX XXXX, XXXX to have the vehicle picked up. The vehicle was picked up on XXXX XXXX, XXXX. The vehicle was auctioned on XXXX XXXX, XXXX. I spoke to XXXX in the Deficiency Department on XXXX XXXX, XXXX. Per XXXX the information is accurate this vehicle is notated in their records as a voluntarily surrender and this vehicle was auctioned off on XXXX XXXX. XXXX contact is XXXX along with his coworker XXXX I Dispute with the credit bureau no actions were taking on behalf of Safco after disputing. I am asking that this be DELETED from all Credit bureaus. XXXX, XXXX and XXXX.
02/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34639	Web
XX/XX/ 2016 I financed a car through Southern Auto finance company ( safco ) made my payments on time until I had to stop working due to medical reasons. The car was repossessed in XXXX of 2016. The company has since inaccurately reported to the credit agencies the details of the account. On XXXX they claim it as a repossession and that I owe over {$14000.00} on XXXX it is showing that I owe almost {$8000.00} and it is a charge off/bad debt and are continuing to show late payments for the account. I have disputed this with the company and the credit agencies multiple times and have gotten to response or no solution to the miss information being reported. I have sent letter for verification of debt and account balance and have not received responses from Safco
12/15/2022	Yes	Vehicle loan or lease Lease	Getting a loan or lease Credit denial	CA 92394	Web
XX/XX/2022 I was denied an extension of credit based on alleged delinquent payments to other creditors. Ive sense only received an adverse action letter that does not follow federal law. adverse action 15 usc 1691 ( d ) ( 6 ) For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit.
03/06/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 751XX	Web
So, I get a little behind in my car payments and I had tried to work out a solution to the problem. But it seemed like to me the creditors wanted to act like complete Hotheads. They illegally in my defense repossessed my vehicle without proper notice. They say they called but in my defense it must have been them calling from a private number without any messages afterwards never no letter in the mail. The representative basically called me liar over the phone. So I talked to a some weirdo supervisor that acted like she didn't even care even after I offered to pay the past due amount of {$810.00} only if the repossession fees where dealt with by the company because they did not properly notify me or even give me a chance.
06/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23602	Web	Servicemember
I have a car loan with SAFCO, on my credit file it shows they reported that in XXXX, XX/XX/XXXX and XXXX, XXXX and XX/XX/XXXX that l never made my payment where in fact l did make payment, they have failed to report it to the credit bureaus and it shows on my credit file as payment not received. I have tried to get them to correct this and report the payments. They claim they did and l disputed it with the credit bureaus as well and nothing is getting corrected and reported correctly. Here is SAFCO address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX and there number is XXXX My account number is XXXX with SAFCO. I need your agencies help to get this corrected please. See attached screen shot. XXXX XXXX XXXX
04/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33160	Web
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. XXXX inquiry XX/XX/2020 SAFCO inquiry XX/XX/2020 XXXX XXXX XXXX inquiry XX/XX/2020
03/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75227	Web
I definitely understand the importance of good credit and being a responsible person. During the year XX/XX/2017, I experienced some health problems that caused me to missed several days, even weeks of work. That lead to getting behind on bills and payments. I contacted SAFCO to explain the situation. After several months of treatments and doctors, I am able to get my situation back on track. All I asked for in the GoodWill letter that I faxed to them was to excuse 4 late payments, since out of the 2 years prior I had not been late and now the last 4 months been current or before time. I am the only one employed in our household and everything falls to my shoulders.
11/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60647	Web
The company SAFCO appeared on my XXXX credit report on XX/XX/2017. It appears to be finance and personal under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a car loan. I informed the company that I have not submitted any form of application for auto financing and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.
05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 65721	Web	Servicemember
SAFCO- Auto loan. XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX phone # XXXX. We opened the account in XX/XX/2013 for {$26000.00}. The loan was paid for over 3 years and then we had a hardship and voluntarily returned it to the creditor. They should have only had the remaining balance owed showing on our credit report ( which should have been about {$12000.00} ). The vehicle was sold at auction and I felt after a few years they could have removed it from our report. It's now been 7 years and it's still showing as a charge off/collections. The amount that is showing on the report is more than the original loan amount - {$27000.00}.
11/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 43219	Web
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SAFCO. The account falls into a charge-off account yet there was a balance indicated in the statement. There were no 120 days past due shown in my payment history account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. SAFCO ***** Opened XXXX XXXX XXXX 2015 XXXX {$XXXX}
07/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30046	Web
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
09/13/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 78665	Web	Servicemember
XXXX XXXX XXXX in XXXX tricked me into purchasing a vechicle which was about {$5000.00} over priced. They did not inform me that the car was only worth {$6000.00} at the time. I did not find out until I attempted to refinance. The bank informed me I owe 2x what the car is worth. My payments have always been on time. But still I can not get refinanced. The XXXX XXXX location I purchased the car from has since been closed down for fraudulent practices. I am now stuck with a 18 % interest rate and a car unable to be refinanced. Safco the lender stated to contact XXXX XXXX. They refuse to work with me.
08/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33702	Web
To whom it may concern ; I have reviewed my credit report and the following items from your company has ran an on authorized credit inquiry on me. I never authorize such actions and this constitutes a violation of my rights under fair credit reporting act section 604, as well as a violation of my rights to privacy. Pursuant Section 604 you must furnish three pillars ; One being wet ink signature Two being contract of application Three Permissible purpose According to FCRA section 1681B subsection C this inquiry was not initiated by consumer unless all three pillars from section 604, FCRA are met.
04/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX XXXXX	Web
I bought a XXXX XXXX here in XXXX Texas, when trying to trade it in I had issues. I went to the XXXX Dealer -XXXX XXXX they advised me the finance company SAFCO is not one they use. I explained it was their sales manager that did the financing. I eventually called the finance company to come and get the car. They sent a company. About 4 months later I called to get the paperwork as required by Texas repo laws. They said I did turn the car in. After numerous calls this company decided to report late every month for the past year after confirming the resold the vehicle. I gave the car back in 2016.
11/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 34771	Web	Servicemember
I have disputed this credit several times because the creditor keep re-aging the debt. The first date of delinquency was XX/XX/2015. The automobile was returned to the creditor in a XXXX XXXX XXXX filed XX/XX/2015 by the joint borrower. The creditor placed a repossession on my credit file at that time and has been re-aging the debt and reporting the loan as an open delinquent account. The credit bureau after disputing the inaccuracies of this creditor states they have validated the information with this creditor which is impossible if the account was first delinquent a XX/XX/2015.
10/31/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30127	Web
Dear XXXX XXXX XXXX CFO SAFCO, I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from SOUTHERN AUTO FINANCE CORPORATION. Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE ACERTAIN SUM OF MONEY PAID ON DEBT ) upon seven ( 7 ) days of receipt of this notice, as well as the associated chose in action insurance policy/ices. I am also requesting the governing Trust instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. Sincerely, XXXX XXXX
03/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33179	Web
Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask SAFCO ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that the unauthorized inquiry that is associated with SAFCO is still currently reporting on my XXXX credit file. *RECORDS ARE AVAILABLE UPON REQUEST. * NOTE : SAFCO ( Southern Auto Finance Company ).
02/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89014	Web
On XX/XX/XXXX, I received my XXXX Dispute report. It showed that SAFCO was deleted, however in checking the other 2 credit bureaus the debt still showed. I contacted the company on XX/XX/XXXX and spoke to XXXX who advised that yes they responded to the disputes and she is unsure as to why it was not deleted on all 3 bureaus. She stated she would call me back in a week. No return call was received. If you sent XXXX the deletion information then it should be sent to all 3 bureaus correct? SAFCO:XXXX ACCT # XXXX Amount : {$11000.00}
01/23/2023	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77388	Web
There is an inaccurate account on my credit reports with SAFCO that I have been disputing for some time now. I sent them a letter in the mail asking for validation of debt and have never heard back or received anything back from them in the mail. It is illegal to ignore a consumers requests and disputes for accounts on their credit report. It is also illegal to report account without valid proof and documents showing that this debt belongs to me. Please delete this account from my reports now.
11/04/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	GA 30052	Web
Between XXXX and XXXX we made payments to Safco in an amount totaling {$2300.00}. Safco has acknowledged that they are not entitled to these payments since these payments were made after the loan was transferred to another financial institution. Further, Safco has indicated on multiple occasions that they are processing a refund to return the above amount. However, it has been well over a month and we are yet to receive any repayment. Please help us resolve this matter quickly. XXXX XXXX
12/06/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77338	Web
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. Account Name : SAFCO Account Number : XXXX Date : XX/XX/2015 Amount : {$7100.00}
01/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 43219	Web
I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please furnish documentation to confirm all the charges and credits with this assumed account that led to the maximum credit figure you might have showing on my document. SAFCO ***** Opened Date XXXX XXXX, 2015 XXXX {$10000.00}
08/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92881	Web
To my knowledge, I have not signed any document authorizing SAFCO CREDIT COMPANY to view my credit history therefore, their inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I don't recognize the inquiry : Creditor Name : SAFCO Inquiry Date:XXXX The above inquiry is unauthorized and is hurting my credit and is prohibiting me to get approved for a home I am trying to purchase.
12/29/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	MI 49507	Web
I sent a Notice of recession to My Certified used cars dealership In XXXX, Michigan & Also the financing company Safco in XXXX XXXX, Florida via USPS certified mail on XX/XX/XXXX in the letter I asked them to respond in 20 days, I have not received a response. The notice of rescission included a {$26000.00} down payment I made last year on the date of XX/XX/XXXX thinking I had to make a down payment on the vehicle to be able to drive out of the car lot.
12/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33069	Web
this account was disputed with the bureau and the company as being reporting incorrect information as far as date last active which transunion show XX/XX/2018, XXXX shows XX/XX/2018 and XXXX shows XXXX XXXX also showing a past due when the account is a charge off. after disputing and pointing out these inaccuracies they fail to update or delete the inaccurate information. also late payment is still being reported after the account as been closed.
03/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL XXXXX	Web
In accordance with the fair credit reporting act this creditor SAFCO ACCOUNT # XXXX has violated my rights under 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 an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment a credit card account under an open end consumer credit plan as late for any purpose
03/17/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Old information reappears or never goes away	FL 33015	Web
I have tried to contact this bank many times. But the letters keep coming back saying the address is incorrect. I used the exact address listed on my credit report. I tired calling but the phone number don't work. But this company keep reporting on my credit report. Saying I'm delinquent. And this was a loan from about 6 years ago. And there's no way to contact them. This needs to be removed off my report. And I need proof of this account.
06/14/2023	Yes	Vehicle loan or lease Lease	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33027	Web
OnXX/XX/2021 I was involved in a crash caused by XXXX XXXX Police. They Collided into my car on both sides, busted out my windows and pointed big guns at me, They said the reason for this was because they thought I was a suspect they were looking for. They didnt provide with me a case number. I didnt know until after I was supposed to be given one. Since I didnt have a case number I was stuck with the damaged car. Im only XXXX XXXX XXXX.
08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33615	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
06/28/2018	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 303XX	Web
I have a loan with SAFCO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SAFCO with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2017.
07/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33607	Web
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
07/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75039	Web
I have a loan with SAFCO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SAFCO with no successful resolution. XXXX, XXXX, and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
04/20/2017	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	TX 77082	Web
from XXXX I have been asking SAFO for VALIDATION of this debt that they claim I owe them. I have send letters to all the major credit bureau requesting validation and they always tell me that it has been verified by the company through a computer system that sends codes, what is that, that 's not fair to Consumers I need physical verification or validation that is determineing I owe this Debt no he say she say
02/03/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NC 28215	Web
My credit report shows a SAFCO account reporting as of XX/XX/16 as a Charge Off for {$10000.00}. This is not my account. I have written numerous letter to this company and filed several disputes with the Credit Bureaus. This is not my account. I do not have a contract, loan, nor do I have a financial obligation to this company. They are continuing to ruin my credit and this is not even my account.
05/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33578	Web
Ive sent several rounds of dispute letters and still no resolve or any type of concerning action was taken. I feel that Im in a really tough position. These fraudulent items on my credit report are hurting my chances of becoming a home owner. Which really puts me and my family in a bit of a hardship. To whom it may concern may I please be pointed in the correct direction to get my issue resolved?
11/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 770XX	Web
The company Safco has put incorrect information on my credit regarding a car loan that has negatively affected my credit report enabling me to get an apartment for over 2 years. The amount showing on my report is higher than balance of the loan at the time that they repossessed the car, because of this error I want this account and all records removed from my credit report.
07/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33068	Web
I have disputed this account which had been paid and it 's still showing in collection/charge off and negatively impacting my credit with XXXX. Account have been deleted with XXXX and XXXX but not with XXXX which is still pinging negative every month. Account have been settled since XXXX and account have been reporting almost 7 years which too old to still be affecting.
06/21/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 765XX	Web
To whom it may concern, I am writing to delete the following information in my file : SAFCO XXXX It shows that this account was opened in 2015. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.
07/14/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33193	Web
ON XXXX AND XXXX 2016 SOMEONE TRIED TO TAKE OUT A CAR USING MY NAME BUT WAS UNSUCESSFUL SINCE THEN I HAVE NUMEROUS AMOUNT OF HARD INQUIRIES ONLY IN XXXX AND XXXX 2016. I HAVE SINCE THEN FILED A POLICE REPORT ABOUT THE SITUATION. I HAVE CONTACT THESE COMPANIES BUT HAVE GOTTEN NO RESPONSE FROM THEM EVEN THOUGH I HAVE A IDENTY AFFIDAVIT AND A POLICE REPORT.
09/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 770XX	Web
This account was reported as a charge off/profit loss. However, SAFCO continues to report this account as open when in fact it is closed and written off. There has not been any activity on this account since XXXX of 2017 and Southerm Automotive Finance Company continues to report activity. Additionally there should not be any balance remaining.
07/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33180	Web
I did not authorize these investigations in my credit report that have the dates marked. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/23/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	OK 734XX	Web
I was struggling making payments on my truck due to being unemployed. Safco stated that they were willing to work with me, however, repossessed the vehicle without notifying me in early 2019. The vehicle has since then been charged off, auctioned off, or resold. My credit is greatly suffering, especially during this pandemic crisis.
09/07/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85286	Web
Though I didn't receive right to dispute notice they have also just recently started " flagging '' my account for charged off as bad debt! This has been a right off for nearly 2 yrs. And as soon as my scores started to climb they " flag '' it, when it's already been disclosed as a charge/write off now it's affecting my score
08/09/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX 75211	Web
The car was not clean title it was involve on an accident cause it had several important part missing on the suspension. Broken parts in half. Control suspensions screws. Pay the car for two years till i found out the truth. Then the company didn't wanted to help me. Ended up giving the bmw back to them. I was con.
03/04/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 75211	Web
Ive have been trying to dispute this debt collection thats been on my credit report for 8 years now through Safco. The amount trying to be collected is much higher then what they are asking. I have spoken to them to delete it off my report because the age of the debt is past 7 years.
07/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	SC 29016	Web
I have a charge off that keeps reporting different amounts to each of the credit companies the account name if safco. I have disputed this account multiple times and nothing seems to be getting resolved and different amounts are still being reported on my credit file.
03/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85224	Web
I have sent several request to have XXXX remove an account off my credit report that is identity theft. I have sent letters as well as my identity theft report and XXXX will not remove account. I would like this to be resolved immediately.
05/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	FL 338XX	Web
I was never givin any notices on the difency of the sale of the automobile and have sent 2 verification letters dated XX/XX/XXXX and XX/XX/XXXX have recieved no response tryd call to get a fax number just kept getting transferred
05/06/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 77072	Web
Since XXXX 2017 I have try to get SAFCO to provide validation of debt through all three credit reporting agencys and so far no luck this big error is hurting me preventing me from making a big purchases on a house.
01/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32826	Web
Safco XX/XX/XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX and XX/XX/XXXX No action taken yet I do Not recognize the hard inquiries on my account i may have an idea on whos using my information
07/06/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 77396	Web
Pandemic declaration. SAFCOis attempting to collect on a debt and keeps reporting on my credit that this account is delinquent every thirty to ninety days PLEASE INVESTIGATE FURTHER!
12/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77045	Web	Servicemember
My balance not correct on my credit reports they all different last reported XX/XX/2022 amount XXXX I was told they show the same on my credit reports but they dont
09/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33331	Web
They submitted my credit without my authorization, on XX/XX/2020, which hurts me since it lowers my average score, I appreciate deleting, this application
02/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AL XXXXX	Web
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
03/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX XXXXX	Web
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.
09/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60615	Web
I filed a dispute concerning incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.
09/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60628	Web
I filed a dispute concerning incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.
10/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	TX 76227	Web
between XXXX thru XXXX, i was looking to purchase a vehicle and a lot of finance companies reported my credit without my consent.
02/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33069	Web
Didnt give this company any authorization to check my score, and would like these inquiries to be removed
07/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32811	Web
Hi there! I did not approve this inquiry I want to dispute this transaction Thanks!
02/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33069	Web	Servicemember
Credit report was ran by company without my permission or having any noticed!!!
02/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33186	Web
There are many Hard Inquiries in my credit report that I am not familiar with
03/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32811	Web
Hard inquiries in my report that I do not recognize
11/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 364XX	Web
Im a victim of identity theft
01/29/2024	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	TX 76002	Web

01/24/2024	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	SC 29440	Web

01/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29485	Web

01/11/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL 33430	Web

01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 752XX	Web

01/02/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30909	Web

01/01/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29104	Web

12/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48219	Web

12/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75217	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33024	Web

12/17/2023	Yes	Vehicle loan or lease Loan	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77045	Web	Servicemember

12/16/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30316	Web	Servicemember

09/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 18102	Web

09/18/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	SC 29486	Web

09/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33027	Web

09/06/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48504	Web

08/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29486	Web

07/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	LA 71115	Web

06/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33024	Web

05/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 49507	Web

05/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11229	Web

05/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11229	Web

04/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60005	Web

04/13/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 77802	Web

04/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30004	Phone

03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33442	Web

02/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30252	Web

01/31/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	AL 35214	Web	Servicemember

01/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91402	Web

01/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07104	Web

01/05/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	TX 78660	Web	Servicemember

12/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33179	Web

11/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95206	Web

11/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77494	Web	Servicemember

09/21/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	FL 33178	Web

08/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77581	Web

05/02/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 77566	Phone

04/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30331	Web

04/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32828	Web

03/30/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28215	Web

03/14/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77493	Web

12/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33161	Web

12/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30043	Web

09/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	KS 67226	Web

09/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33143	Web

09/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76661	Web

09/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 63138	Web

08/31/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 77057	Web

08/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MI 48146	Web

07/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77043	Web

07/21/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	FL 34759	Web

06/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32703	Web	Servicemember

05/21/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	GA 30241	Web

05/04/2021	Yes	Vehicle loan or lease Loan	Credit monitoring or identity theft protection services Billing dispute for services	TX 76244	Web

03/09/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	SC 29486	Web

03/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33401	Web

02/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33442	Web

01/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60544	Web

01/07/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33161	Web

01/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33065	Web

12/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33321	Web

12/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33321	Web

12/04/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33441	Fax

11/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34744	Web

11/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	KY 40210	Web

10/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33166	Web

10/02/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77082	Fax

09/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60561	Postal mail

09/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33321	Web

08/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30350	Web

07/31/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	SC 29650	Web

07/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PR 00795	Referral

06/30/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33309	Web

06/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30324	Web

06/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33127	Web

05/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30236	Web

02/22/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	AZ 85017	Web

01/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33610	Web

08/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33068	Web

08/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75407	Web

04/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33056	Web

12/13/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	IL 60620	Phone

11/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33167	Web

09/15/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	IL 60901	Web

08/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate		Phone

04/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76087	Web

04/06/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 33064	Web

03/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32827	Web

02/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33169	Web

12/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28337	Web

11/24/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem		Phone

11/11/2017	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30241	Web

09/26/2017	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	GA XXXXX	Web

09/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30038	Web

07/10/2017	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33304	Web

04/21/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 77077	Phone

02/16/2017	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	GA 30228	Web

01/11/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30060	Web

12/30/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	IL 60139	Phone

10/20/2016	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	FL 34759	Web

07/20/2016	Yes	Debt collection Auto	Taking/threatening an illegal action Seized/Attempted to seize property	OK 73701	Web

06/01/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 31021	Phone

04/29/2016	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	IL 60428	Web

02/25/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	WI 53225	Phone

11/30/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 32211	Web	Older American

03/17/2015	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	TN 37042	Web

11/26/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 33410	Web