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2545399
|
2017-05-19
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Mitsubishi Motors North America, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
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| Sub Product |
Credit reporting
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| Date Received |
2017-05-19
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| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2017-06-29
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| Complaint What Happened |
On XXXX XXXX , XXXX I entered into a XXXX month lease for a new XXXX XXXX XXXX with creditor Mitsubishi Motors Credit of America XXXX MMCA XXXX . Note, that the contract did not assess a Disposition Fee upon return of the vehicle ( see attached contract ). The first lease payment of {$100.00} was due upon signing the lease ( see attached contract ). The subsequent XXXX lease payments were paid in XXXX lump sum, totaling {$2400.00}, and was received by MMCA on XXXX / XXXX / XXXX ( see attached MMCA statement ). At the end of the lease the vehicle underwent a Lease Termination Inspection and there were no charges assessed for either Normal Wear & Use or Excess Wear & Use ( see attached inspection report XXXX . The vehicle was returned to the dealership where it was purchased in XXXX of XXXX . There was not a problem with this account until XXXX XXXX . MMCA fraudulently reported to the XXXX major crredit bureaus that I still owed a lease payment of {$100.00} in addition to a {$5.00} late charge thus totaling {$110.00}. I 've disputed this with the credit bureaus supplying them with the proof attached hereto but they have not removed this fraudulent charge because MMCA 's electronic response to the credit bureaus is " this account is being reported correctly. '' On a recorded line with MMCA on XXXX / XXXX / XXXX a MMCA representative stated that the {$110.00} charge is NOT owed but still on my account because they have not yet received a " signed odometer statement from the dealership. '' Whether or not MMCA ever receives a signed odometer statement from the dealership, that has since changed ownership, does not give this creditor the authority to commit fraud against my credit history causing an unjust, significant decrease in my credit score due to thier fraudulence.
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| Consumer Consent Provided |
Consent provided
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|
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6596653
|
2023-02-22
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
No
|
| Company |
Mitsubishi Motors North America, Inc.
|
| Product |
Debt collection
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| Sub Issue |
Debt was result of identity theft
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| Sub Product |
Auto debt
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| Date Received |
2023-02-22
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| Submitted Via |
Web
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| Company Response |
Untimely response
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2023-02-22
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| Consumer Consent Provided |
Consent not provided
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|
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8321443
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2024-02-11
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Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
No
|
| Company |
Mitsubishi Motors North America, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
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| Sub Product |
Credit reporting
|
| Date Received |
2024-02-11
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| Submitted Via |
Web
|
| Company Response |
Untimely response
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2024-02-11
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| Consumer Consent Provided |
Consent not provided
|
|
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3053257
|
2018-10-22
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Mitsubishi Motors North America, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
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| Sub Product |
Credit reporting
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| Date Received |
2018-10-22
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2018-10-22
|
| Complaint What Happened |
Hello, Mitsubishi motors is reporting an account that is a paid charge-off that is NOT MINE to XXXX. It is someone with a similar name not me. I called Mitsubish several times and they advised it was not my account but that I needed to dispute it with the credit bureaus.
I informed them they were the ones reporting the mistake and they needed to fix it and they were very rude and told me to send them something in writing. I faxed a letter to Mitsubishi on XX/XX/XXXX stating the account number and it was not my account. I also faxed a letter to XXXX on XX/XX/XXXX with the information and they initialed a dispute with Mitsubishi and it came back that Mitsubishi VERIFIED the item! I called Mitsubishi on XX/XX/XXXX and they advised the account was not mine and notified XXXX on XX/XX/XXXX electronically that this account was not mine. I then called XXXX on the same day XX/XX/XXXX and they stated the Mitsubishi verified the item as accurate and placed yet another dispute for the item not being mine.
This has caused me many hours of frustration and financial hardship as I am being denied loans because of this error! The account number is XXXX and it is someone with a similar name. My social is XXXX and dob XX/XX/XXXX.
I need this account removed from being reported to XXXX as it is not my account! Mitsubishi has advised that it is not mine but they are still verifying the item as accurate with the credit bureaus and telling me on the phone they are notifying the bureaus it is not mine! Please fix this!
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| Consumer Consent Provided |
Consent provided
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|
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3138257
|
2019-01-31
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Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Mitsubishi Motors North America, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2019-01-31
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2019-01-31
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| Complaint What Happened |
My sister in law lease a XXXX XXXX XXXX with Mitsubishi Motors Credit of America , Inc . I was her co-signer and we signed the contract at XXXX XXXX XXXX. When the lease ended she decided to purchase the vehicle and went to XXXX XXXX XXXX where on XX/XX/XXXX she signed by herself ( I was not needed as a co-signer ) the sale contract ( attached ). My sister in law received a letter from Mitsubishi Motors/Ally dated XX/XX/XXXX congratulating her for the purchase of the vehicle and giving instructions on how to create an online login to manage her account and make payments. She did so and made the payment. Mitsubishi Motors Credit of America has been reporting the lease account ( of the same car which has been purchase ) as opened and with payments delinquent. I contacted them explained that the car had been purchased on XX/XX/XXXX and that it was financed by XXXX XXXX/XXXX and asked them to contact that department since it was XXXX. They told me that XXXX XXXX and Mitsubishi Motors Credit of America are not the same company and are not related. They also told me that I had to contact XXXX XXXX/XXXX and ask them to send the payoff or verify if they had possibly sent it with the wrong information which would explain the delay. I called XXXX XXXX XXXX and they said that the payoff check was sent to XXXX XXXX XXXX. This confusion between these 3 companies has been damaging my credit and my sister in laws credit. Incorrect derogatory information has been reported and I feel disrespected and helpless as a consumer. A sales contract was signed ; a down payment check was cashed by XXXX XXXX XXXX ; the first payment has been made to XXXX XXXX/XXXX ( account is current ) and yet Mitsubishi Motors Credit of America is reporting the lease of the same vehicle as delinquent. Please help us resolve this very serious issue.
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| Consumer Consent Provided |
Consent provided
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