|
2948572
|
2018-06-28
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Sensible Auto Lending, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2018-06-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-06-29
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10591836
|
2024-10-27
|
Problems at the end of the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Problems at the end of the loan or lease
|
| Timely |
Yes
|
| Company |
Sensible Auto Lending, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem related to refinancing
|
| Sub Product |
Loan
|
| Date Received |
2024-10-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-01
|
| Complaint What Happened |
3. Facts a. On or about XX/XX/XXXX, the Defendant unlawfully released the Plaintiffs private loan information, including but not limited to the Plaintiffs drivers license and vehicle details, in the presence of employees and third parties. This act constitutes an invasion of privacy under XXXX Statutes XXXX.
b. The disclosed information included an outdated vehicle tag, further compromising the Plaintiffs privacy rights.
c. The Defendants actions were intended to cover up his loss of assets from an affair, corroborated by witnesses XXXX ( employee ) and XXXX XXXX XXXX
d. The Defendant attempted to conceal a loss exceeding {$20000.00}. XXXX and XXXX, upon considering purchasing XXXX XXXX XXXX in XXXX, discovered the Defendants pending lawsuits and unpaid taxes, leading them to withdraw from the transaction.
e. XXXX terminated her professional relationship with XXXX XXXX in XXXX, providing documentation thereof. Following this termination, XXXX experienced harassment and false allegations from the Defendant, culminating in the incident in XXXX.
4. Legal Claims a. Defamation : The Defendant knowingly published false statements about the Plaintiff, which were unprivileged and caused harm to the Plaintiffs reputation. Under Florida law, to establish defamation, a plaintiff must prove : ( 1 ) a false statement ; ( 2 ) publication to a third party ; ( 3 ) fault amounting to at least negligence ; and ( 4 ) damages. ( See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX b. The disclosed information included an outdated vehicle tag, further compromising the Plaintiffs privacy rights.
c. The Defendants actions were intended to cover up his loss of assets from an affair, corroborated by witnesses XXXX ( employee ) and XXXX XXXX XXXX
d. XXXX XXXX, prior to the events leading to this complaint, advised XXXX XXXX that using illegal actions in the car business was unacceptable, including utilizing financing consumers ' trades to enter false trade-ins and misdirecting funds to the financial company. e
. XXXX intervened to assist XXXX XXXX with compliance issues related to dealer services and the state of XXXX 's compliance requests for car dealership owners.
f. During the course of her work for XXXX XXXX multiple complaints were made by consumers regarding his business practices, including a lawsuit concerning the sale of an inoperable vehicle.
g. The Defendant attempted to conceal a loss exceeding {$20000.00}. XXXX and XXXX, upon considering purchasing XXXX XXXX XXXX in XXXX, discovered the Defendants pending lawsuits and unpaid taxes, leading them to withdraw from the transaction.
h. XXXX terminated her professional relationship with XXXX XXXX in XXXX, providing documentation thereof. Following this termination, XXXX experienced harassment and false allegations from the Defendant, culminating in the incident in XXXX.
4. Legal Claims a. Defamation : The Defendant knowingly published false statements about the XXXX, which were unprivileged and caused harm to the Plaintiffs reputation. Under Florida law, to establish defamation, a plaintiff must prove : ( 1 ) a false statement ; ( 2 ) publication to a third party ; ( 3 ) fault amounting to at least negligence ; and ( 4 ) damages. ( See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ).
b. Invasion of Privacy : The unauthorized disclosure of private facts constitutes an invasion of privacy, actionable under Florida law. The Defendants actions fall under this category as they revealed private information without consent. ( See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ).
c. Failure to Cease and Desist : The Defendant did not comply with a cease-and-desist letter issued on [ Insert Date ], further demonstrating willful misconduct.
5. Damages As a direct and proximate result of the Defendants actions, the XXXX has suffered significant damages, including emotional distress, reputational harm, and other consequential damages. The Plaintiff seeks compensatory damages as well as punitive damages to deter similar conduct in the future.
XXXX ) ).
c. Failure to Cease and Desist : The Defendant did not comply with a cease-and-desist letter issued on [ Insert Date ], further demonstrating willful misconduct.
5. Damages As a direct and proximate result of the Defendants actions, the Plaintiff has suffered significant damages, including emotional distress, reputational harm, and other consequential damages. The Plaintiff seeks compensatory damages as well as punitive damages to deter similar conduct in the future.
XXXX XXXX sold a vehicle to XXXX XXXX from XXXX XXXX released private personal loan information to memember of public with out consent. Which was used to falsify police report. Also sold car with Broken XXXX never complied to fix car was stolen XXXX weeks ago paid off in fed with sensible auto pay off leteer they never released loan. stolen during this issue. I have filed a lawsuit for my information being released illegally. XXXX was conduction alot of illegal activity via dealer service buerue complaints, tag complaint, all files missing documents. Falsifying trade ins on finacing apps adding customer cars not the consumers as trade locking vin with DMV.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7735976
|
2023-10-22
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Sensible Auto Lending, LLC
|
| 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 |
2023-10-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-10-22
|
| Complaint What Happened |
Hello, i would like these inquires removed because I did not authorize these companies to run my credit report. Thank you
|
| Consumer Consent Provided |
Consent provided
|
|
|
4221243
|
2021-03-17
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
Sensible Auto Lending, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Billing problem
|
| Sub Product |
Loan
|
| Date Received |
2021-03-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-03-17
|
| Complaint What Happened |
XX/XX/XXXX amount {$120.00} and XX/XX/XXXX amount {$110.00} and XX/XX/XXXX amount {$110.00} These are the dates that I made payments to my already paid up account the next due date should have been on the XX/XX/XXXX, but instead one representative stated that the payment that was applied on XX/XX/XXXX was applied to principal on my account, then the next supervisor XXXX stated my payment was applied to the interest on my account. In a previous conversation last year when i had paid may account months early they stated that I had to call in to make principal payments. Since XX/XX/XXXX I have been making payments early and have been paid up for months, and interest payments have been taken out all payments. So these people are literally scamming me out of my money because the early payments are not bringing my account balance down and by now I should at least be a {$10000.00} if not {$9000.00}. I want to know where my money is going an being applied or is someone scamming me out of all the money I've put in this car? Also they have no one in this company that are natural born citizens, also they don't have corporate numbers or emails listed to contact anyone in a upper management status.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3229159
|
2019-04-26
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Sensible Auto Lending, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2019-04-26
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-05-01
|
| Consumer Consent Provided |
N/A
|
|
|
6045111
|
2022-10-04
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Sensible Auto Lending, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-10-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-10-04
|
| Complaint What Happened |
I am requesting the account listed below to be removed immediately.
Sensible Auto Lending acct : XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| Consumer Consent Provided |
Consent provided
|
|
|
9057068
|
2024-05-20
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Sensible Auto Lending, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-05-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-05-20
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8883308
|
2024-04-29
|
Repossession
|
Vehicle loan or lease
|
|
| Issue |
Repossession
|
| Timely |
Yes
|
| Company |
Sensible Auto Lending, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Company communicating payment assistance or payment extension options
|
| Sub Product |
Loan
|
| Date Received |
2024-04-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-29
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9315548
|
2024-06-21
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Sensible Auto Lending, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-06-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-06-22
|
| Consumer Consent Provided |
Consent not provided
|
|
|
12333349
|
2025-03-05
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Sensible Auto Lending, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-03-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-03-05
|
|
|
11787213
|
2025-01-27
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
Sensible Auto Lending, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Loan sold or transferred to another company
|
| Sub Product |
Loan
|
| Date Received |
2025-01-27
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-03-11
|
| Consumer Consent Provided |
N/A
|
|
