|
11489772
|
2025-01-12
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
AUTOMOTIVE CREDIT CORPORATION
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Loan opened without my consent or knowledge
|
| Sub Product |
Loan
|
| Date Received |
2025-01-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-12
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I am writing to report that I have been a victim of identity theft as a result of a recent data breach. I was made aware my personal information, including my Social Security number, date of birth, and financial account details were compromised in the breach leading to the unauthorized opening of accounts and accumulation of fraudulent debt in my name. The following fraudulent activities occurred : Unauthorized credit card accounts have been opened under my name with XXXXXXXX XXXX and XXXX XXXX XXXX. A loan was taken out in my name with Automotive Credit. Utility accounts were opened with XXXX XXXX and XXXX XXXX. Several attempts were made to access my bank and credit files.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11470994
|
2025-01-10
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
AUTOMOTIVE CREDIT CORPORATION
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-10
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11265664
|
2024-12-24
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
No
|
| Company |
AUTOMOTIVE CREDIT CORPORATION
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-24
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
|
|
11715722
|
2025-01-23
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
AUTOMOTIVE CREDIT CORPORATION
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Billing problem
|
| Sub Product |
Loan
|
| Date Received |
2025-01-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-23
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
|
|
5998298
|
2022-09-20
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
AUTOMOTIVE CREDIT CORPORATION
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with signing the paperwork
|
| Sub Product |
Loan
|
| Date Received |
2022-09-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-20
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Other
|
|
|
5767329
|
2022-07-13
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
AUTOMOTIVE CREDIT CORPORATION
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-07-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-13
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5872622
|
2022-08-13
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
AUTOMOTIVE CREDIT CORPORATION
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Auto debt
|
| Date Received |
2022-08-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-13
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I purchased a vehicle financed by AUTOMOTIVE Credit Corp on XX/XX/XXXX ; My payment was {$5000.00} down and {$900.00} per month ; payments was due the XXXX of the month. My truck was totaled on XX/XX/XXXX by a driver that ran stop sign ; I filed claim with at fault driver same day but later found out that her insurance lapsed which caused me to file with my insurance company on XXXX XXXX ; I paid XXXX and XXXX payment and have proof ; I received auto statement from XXXX stating XXXX was due on XXXX XXXX so I assumed it was because insurance paid vehicle balance of XXXX but found out a payment of XXXX was made XX/XX/XXXX ; I never received a XXXX Statement so I logged on to the website to pay balance on XX/XX/XXXX but message stated account was suspended but balance of XXXX due XX/XX/XXXX ( I have proof ) so I called to see why and was as told I would receive a letter in the mail ; No statement came for XXXX nor did the letter come but XX/XX/XXXX I received a phone call from XXXX XXXX company stating remaining balance for the auto loan with XXXX was due and I made an over the phone payment of XXXX that posted to my account XX/XX/XXXX ( I have statement proof ). XX/XX/XXXX I received a credit notification that a charge off was reported to my credit and dropped my XXXX score XXXX points. I called that same day to XXXX to find out why tis account was reported as a charge off and that it was paid in full but reporting a balance of {$4500.00} ; was instructed to call XXXX XXXX their collection company ; Called XXXX XXXX and was told balance was XXXX but they do not report to bureaus and to call XXXX back ; I called back same day and was told I had to speak to a supervisor and transferred me to a voicemail but call wasn't returned ; called back 48 hours later to XXXX and balance was confirmed XXXX but stated I had to dispute charge that was the only way to correct and they will respond and correct then ; filed a dispute on XX/XX/XXXX only for response to come back as updated, the balance still shows {$4500.00} and this still shows a charge off ... .report states last reported was XX/XX/XXXX but been paid since XX/XX/XXXX First mistake, the account was reported to my credit as opened XX/XX/XXXX when I can prove that was inaccurate, I still have messages from salesman showing me the truck XX/XX/XXXX asking if I was interested and more proof it was opened end of XXXX next, XXXX reporting balance of {$4500.00} still til this day when I have proof and so do they according to my last call that balance was XXXX and after sending disputes twice they still didn't update it ; XXXX was original creditor, never reported terms, monthly payment amount, and other accurate account information, it just shows {$4500.00} due, incorrect open date and a charge off status XXXX sold debt to XXXX XXXX but XXXX XXXX never was reported to my credit, so 2 parties was trying to collect on the same debt Still til today, I can still log onto account at XXXX that's shows next payment due XX/XX/XXXX for XXXX and that I paid XXXX and XXXX payments ;
|
| Consumer Consent Provided |
Consent provided
|
|
|
5712702
|
2022-06-27
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
AUTOMOTIVE CREDIT CORPORATION
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-06-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-27
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I loaned a car with Automotive credit two years ago i got into an accident XX/XX/2021 and therefore no longer had the car i spoke to a representative at the company and explained i no longer had the car and i provided my total loss paperwork to prove it. the agent told me i should be fine and i dont have to worry because i no longer had the car. my account with them is closed but is showing several months past due and the past due months were all the months i didnt have the car. and is tarnishing my credit by showing those past dues. i would like to have those past dues removed so i can go back to my previous credit. so i opened a dispute ive disputed this account 3 XXXX and have provided documents that i was never past due on this account but it hasnt made a change. someone please help me with this issue.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4810624
|
2021-10-14
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
AUTOMOTIVE CREDIT CORPORATION
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Fraudulent loan
|
| Sub Product |
Loan
|
| Date Received |
2021-10-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-10-14
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
On XX/XX/ I entered into a consumer credit transaction with ACC. ACC produced an illegitimate contract as they have violated the TILA. As defined under the TILA 15 USC 1605 ( a ), the finance charge is determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended and does not include charges of a type payable in a cash transaction. ACC states on its contract that the finance charge is The dollar amount the credit will cost you, which is false, misleading, and a violation to my consumer rights. ACC included a down payment of {$5000.00} which is also a violation. As stated under the TILA, Charges which are included in the finance charge, but were not, are as follows : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. ACC did not include the interest in the finance charge which is a violation. Section ( c ) also states charges or premiums for insurance shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained. ACC did not include my insurance in the finance charge and did not disclose the option to obtain the insurance of my choice through them which is a violation. Per 15 USC 1631 ( a ) a creditor or lessor shall disclose to the person who is obligated on a consumer lease or a consumer credit transaction the information required under this subchapter. Per 15 USC 1635 ( a ) In the case of any consumer credit transaction the obligor has the right to rescind the transaction until midnight of the third business day following the consummation of the transaction. XXXX stated there is no Cool Off Period and I can not cancel this consumer credit transaction. ACC did not disclose my right of rescission which is a violation. These are just a few violations under the TILA backed up with evidence that was provided to ACC. Per 15 USC 1611, Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or ( 3 ) fails to comply with any requirement imposed under this subchapter, shall be fined or imprisoned, or both. I have tried to settle with ACC, sending them an Affidavit of Truth stating a few of the violations under the TILA and an invoice for violations. They disregarded my request and stated they did not breach their contract. Due to violations ACCs contract is null and void and they have been collecting on this alleged debt after receiving a request for validation. On XX/XX/ ACC received my second attempt to settle before taking legal action.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4912847
|
2021-11-15
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
AUTOMOTIVE CREDIT CORPORATION
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-11-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-11-15
|
| Complaint What Happened |
Hello, I am showing a hard inquiry on my credit report from AUTOMOTIVE CREDIT CORP I have not been to a dealership/car lot to purchase a vehicle, and I certainty have not given anyone permission to use my information, nor agreed to co-sign for anyone. Please investigate into this a remove if possible.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5434827
|
2022-04-11
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
AUTOMOTIVE CREDIT CORPORATION
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Billing problem
|
| Sub Product |
Loan
|
| Date Received |
2022-04-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-04-12
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Our company paid our auto loan with A.C.C. in full 2 yrs early before this vehicle loan was due and around XX/XX/XXXX in the amount of {$8000.00} via certified check. We received a letter from A.C.C. stating it was paid in full and that the loan was satisfactory around XX/XX/XXXX.
Fast forward to now XX/XX/XXXX XXXX we get a notification stating that the account is in collections and reporting open after they cashed the check and gave us title of the vehicle.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10457377
|
2024-10-15
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
AUTOMOTIVE CREDIT CORPORATION
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-10-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-21
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10828059
|
2024-11-17
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
AUTOMOTIVE CREDIT CORPORATION
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Public record information inaccurate
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-19
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Inquires on my account that I did not sign up for. Not sure why it is on my account
|
| Consumer Consent Provided |
Consent provided
|
|
|
3244513
|
2019-05-16
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
AUTOMOTIVE CREDIT CORPORATION
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2019-05-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-05-16
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I noticed the company Automotive Credit reporting an inaccurate and fraudulent debt on my credit report. I initiated a dispute and requesting to validate and and investigate the debt since that seems to always be the 1st step to credit solutions. The company failed to respond AT ALL to that initial request. I also called them and had to argue with a representative in order to talk to someone in Compliance regarding their failure to respond to the validation letter. I spoke to " XXXX '' in compliance because XXXX the director was out according to her. She asked for time to investigate and that she would later get back to me. She never did. Two entire weeks passed and then I called her again to find out what the next step was. She said there was nothing to do because they have phone calls and that the " account info '' that they have on file is deemed as accurate. I asked her how? And if that's what the company has concluded I am legally entitled to see this " proof '' of what I have been telling them is FRAUD. She then goes on to tell me that they ONLY way she will send me proof that the company DID respond to my validation letter is IF I SEND A CERTIFIED MAIL RECEIPT -- - that is illegal and A LIE. I don't need to send any letters Certified Mail that is NOT a requirement for them to do their job. I then tell her that she is lying to my face about that being a " rule '' and that she is wasting my time. She then asked me if i sent over a police report. I told her NO, i did not send one over because YOUR COMPANY never told me what procedure to take or what direction to go in. To INITIATE A DISPUTE THAT IS NOT LISTED under the FCRA to submit a Police Report along with the initial investigation letter, so how am I supposed to assume that's the case? That's when I told her she should educated herself and the company on the TERM " LIABILITY '' since she has no clue of what she is talking about -- and since she is purposely wasting my time I will have no choice but to contact a Lawyer, which by the failed response and their claim of recorded calls -- I am confident I have a case that will grant me monies along with their compliance to the full extent of the law upon contacting a lawyer. But I also want a paper trail of their failure to follow the LAW on multiple occasions with me. I can only imagine with how many others this happened with!
|
| Consumer Consent Provided |
Consent provided
|
|
|
10633290
|
2024-10-30
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
AUTOMOTIVE CREDIT CORPORATION
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-10-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-30
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7269527
|
2023-07-18
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
AUTOMOTIVE CREDIT CORPORATION
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-07-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-18
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to 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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10428651
|
2024-10-11
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
AUTOMOTIVE CREDIT CORPORATION
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-10-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-11
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4249798
|
2021-03-27
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
No
|
| Company |
AUTOMOTIVE CREDIT CORPORATION
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Investigation took more than 30 days
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-03-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-03-27
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4082058
|
2021-01-21
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
AUTOMOTIVE CREDIT CORPORATION
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-01-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-01-21
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2328445
|
2017-02-05
|
Taking out the loan or lease
|
Consumer Loan
|
|
| Issue |
Taking out the loan or lease
|
| Timely |
Yes
|
| Company |
AUTOMOTIVE CREDIT CORPORATION
|
| Product |
Consumer Loan
|
| Sub Product |
Vehicle loan
|
| Date Received |
2017-02-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-02-05
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
XXXX XXXX XXXX fraudulently sold to Automotive Credit Corp by car dealership. I traded my XXXX XXXX at XXXX XXXX XXXX in XXXX, FL in XXXX. The dealership sent XXXX bad checks to XXXX XXXX XXXX and failed to pay off the vehicle so they basically stole my XXXX XXXX. XXXX sent the title to XXXX after receiving the second check without confirming that the check cleared. In XXXX XXXX XXXX XXXX sold my XXXX that was not paid off as promised in the retail contract to Automotive Credit Corp. XXXX is currently out of business and XXXX XXXX demanding payment in full in the amount of {$13000.00}. I called the finance company to explain what happened and was told that I was not their customer and that there is nothing they can do. So basically they were informed that they are financing a car that was not paid off by the dealership whom they bought the car from and are failing to release the lien and return the vehicle to me so I can pay the initial lienholder which is XXXX XXXX XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10005375
|
2024-09-03
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
AUTOMOTIVE CREDIT CORPORATION
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-09-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-03
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9850666
|
2024-08-19
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
No
|
| Company |
AUTOMOTIVE CREDIT CORPORATION
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-08-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-22
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Other
|
|
|
9877254
|
2024-08-21
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
No
|
| Company |
AUTOMOTIVE CREDIT CORPORATION
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-08-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-21
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9881886
|
2024-08-21
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
AUTOMOTIVE CREDIT CORPORATION
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-08-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-21
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7564401
|
2023-09-18
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
AUTOMOTIVE CREDIT CORPORATION
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-09-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-18
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7607868
|
2023-09-27
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
AUTOMOTIVE CREDIT CORPORATION
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-09-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-27
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8067778
|
2023-12-27
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
AUTOMOTIVE CREDIT CORPORATION
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-12-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-27
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7207092
|
2023-07-06
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
AUTOMOTIVE CREDIT CORPORATION
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-07-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-06
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I have tried to get in contact with this company and they have not replied back to me with in the last 40 business days.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7793628
|
2023-11-03
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
AUTOMOTIVE CREDIT CORPORATION
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-11-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-03
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9709643
|
2024-08-06
|
Problem with a company's investigation into an existing problem
|
Vehicle loan or lease
|
|
| Tags |
Servicemember
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
AUTOMOTIVE CREDIT CORPORATION
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with personal statement of dispute
|
| Sub Product |
Loan
|
| Date Received |
2024-08-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-06
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTOMOTIVE CREDIT CORP 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB XXXX XXXX XXXX XXXX XXXX
I would like to file a formal dispute regarding an account listed on my credit reports. I have an account with XXXX XXXX XXXX for a vehicle that was affected by XXXX XXXX in XXXX, which was paid for by the vehicle 's insurance, but XXXX XXXX refused to cover the remaining depreciation of the vehicle, affecting my credit report The Consumer Credit Fairness Act ( FCRA ) and other regulations may provide certain protections and guidelines. Additionally, agencies such as the XXXX XXXX XXXX XXXX ( XXXX ) and the Consumer Financial Protection Bureau ( CFPB ) may offer additional resources. However, for events related to natural disasters, credit agencies and financial regulators may implement special measures, such as including a XXXX as a natural disaster on credit reports. These additional measures are often based on internal credit bureau policies and guidelines provided by government agencies such as the Consumer Financial Protection Bureau ( CFPB ) or the XXXX XXXX XXXX XXXX ( XXXX ).
|
| Consumer Consent Provided |
Consent provided
|
|
|
7224256
|
2023-07-09
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
AUTOMOTIVE CREDIT CORPORATION
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-07-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-09
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Other
|
|
