| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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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. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. 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. 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 XXXX2 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.
My experiences with this situation has been very rough due to the damage of my credit.
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| 03/02/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I would like to file complaint against Auto Loan, XXXX XXXX XXXX, XXXX, MA XXXX, ( XXXX ) XXXX, autouseautoloan.com I know I am past due to difficulty with making payments from being unemployed from Covid 19. I am trying to get caught up with my payments using my tax refund. I tried to access my account online to review added charges and amounts due as of today. I couldn't get into my account. It was stating that I was giving the wrong information. I contact the support email to find out why my login information was not working. They contacted me back quickly and told me they shut me out of my account and to call the office. I replied asking for a copy of my ledger for review and they have not responded ( email attached ). All I want is to review my account so I can work out my financial situation. I went through my documents for their loan terms and I don't have a copy of that with my purchase documents. I don't know if they are allowed to not show me all the charges and what is due. I have nothing to confirm the correct amount and or charges for what they tell me over the phone. I don't feel comfortable not knowing what they are telling is truthful or not. I have no other documents to give or know my loan or account number because they only have everything in the account I am locked out of.
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| 05/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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I bought a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX my car have been giving issues. I took it to XXXX XXXX for them to check what was giving the issue and they told me I will need an update tcm mod, but the part been on backorder for the past 9 months now. They also told me I need the change both of the actuator which I did, and that the car was having an oil leakage to I took it to my mechanic and thought that wouldve help but the mechanic realized the leakage was coming frm the transmission. So I took the car to the transmission shop and they told me in order to fix it I will have to pay over XXXX. I tried calling the dealership and they kept telling me the person that sold me the car isnt in until a certain time when I call back they kept telling me the person isnt in as yet. At this point idk what to do. Not the car is in my drive way parked because it wouldnt start. Im here paying XXXX a mth to the finance company and XXXX for my car insurance while Im taking XXXX to work.
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| 09/19/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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The company is lease and rental they have reported on all 3 credit bureaus inaccurate and incomplete information each time with no loan amount listed, inaccurate payment history, no monthly payment listed and they always make sure to add 30/60/90 days late listed on all of them they have reported three times on each credit bureau every time I dispute they change remarks or just add more inaccurate information yes I did default on the car one time but previous to that the first loan was paid and then the second one was refinanced this company work side by side with my job an auto sales company in which they are just bitter and mad that I defaulted during rough times they no longer finance our vehicles and it is because of my situation with them they are reporting false information to get back at me basically I would like to move past this to repair my credit but they wont report accurately and I wish for them to be removed from all three credit institutions
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| 08/15/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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The company Lease and Rental ( now auto use auto loan ) continues to report inaccurate information to my credit report. I requested the company to supply me with all information regarding the account and sent a validation letter. The company has not responded to any of my requests and I have mailed multiple letters. The company does not delete the account from my credit reports and continues to report inaccurate information. Recently the creditor updated the account from a dispute and caused my fico score to drop 21 points because it calculates a missed payment although I have not missed a payment in over 2 years. This drop in score has disqualified me for a pre-approval for a mortgage and leaves me at risk for being homeless because my landlord is selling the building and future buyers may require my family to vacate.
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| 05/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way XXXX XXXX XXXX Open date XXXX XX/XX/XXXX Balance {$2300.00} XXXX XXXX Open date XXXX XXXX Lease Rental Open date XXXX XXXX XXXX XXXXXXXX Open date XXXX XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.
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| 05/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Lease & Rental MGMT Corp aka Auto Use has been reporting a repossession on my credit where the dates of recent payments are wrong, the balance owed is wrong and the date of last payment is not correct. This is wrong information is making this account look newer than it should be. The date of repossession was XX/XX/2016 and the last payment was before that. The car was repossessed and sold and the sale amount was not applied to the balance owed and reported.
The company also did not send me any documentation that showed what the car was sold for and how that was subtracted from the balanced owed. I have repeatedly in the past tried to request this information and they have not responded.
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| 06/08/2021 |
No |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
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| 10/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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| 08/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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| 10/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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| 08/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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| 07/24/2022 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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| 03/23/2022 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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| 01/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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| 11/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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| 09/21/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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