|
11558728
|
2025-01-17
|
Problem when making payments
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Problem when making payments
|
| Timely |
Yes
|
| Company |
VEROS CREDIT, LLC.
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2025-01-17
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-17
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
N/A
|
|
|
11262490
|
2024-12-25
|
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 |
VEROS CREDIT, LLC.
|
| 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 |
2024-12-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-25
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11238755
|
2024-12-21
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
VEROS CREDIT, 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 |
2024-12-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-21
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10974351
|
2024-11-30
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
VEROS CREDIT, LLC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-30
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11072076
|
2024-12-08
|
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 |
VEROS CREDIT, LLC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Difficulty submitting a dispute or getting information about a dispute over the phone
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-08
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6606644
|
2023-02-24
|
Getting a credit card
|
Credit card or prepaid card
|
|
| Issue |
Getting a credit card
|
| Timely |
Yes
|
| Company |
VEROS CREDIT, LLC.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Application denied
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2023-02-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-24
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Based on Veros Credit response in CFPB Complaint ID XXXX, As dated, XX/XX/2023, I, XXXX XXXX XXXX have no choice but to sue you. In addition, I will follow up with an opportunity to cure. Thank you!
|
| Consumer Consent Provided |
Consent provided
|
|
|
5332257
|
2022-03-17
|
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 |
VEROS CREDIT, LLC.
|
| 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 |
2022-03-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-03-17
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5916573
|
2022-08-25
|
Struggling to pay your loan
|
Vehicle loan or lease
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
VEROS CREDIT, LLC.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Lender trying to repossess or disable the vehicle
|
| Sub Product |
Loan
|
| Date Received |
2022-08-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-25
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Our vehicle was repossessed by the dealership ( XXXX XXXX ) who sold the car but not the lender ( Veros Credit ) who we financed with. The vehicle was repossessed on XXXX XXXX by the dealership who still have not report it with the police department which they were supposed to within 1-3 hours. We spoke to the lender around XXXX XXXX on XX/XX/XXXX if they had repossessed the vehicle which they had claim there was no repossession order out on our vehicle and asked if we would like to make a payment. The dealership texted us stating they repossessed our vehicle because we made too many late payments but not missed payments. The lender had no idea that the vehicle was repossessed by the dealership until we call to question them about it. That's when Vero 's Credit marked it repossessed in their system. We make the monthly payments to the lender not the dealership. We have been trying to speak to them regarding this and getting our vehicle back every day since XXXX XXXX but the dealership ignores our calls while the lender keeps telling us to deal with the dealership only. XXXX XXXX repossessed our vehicle wrongfully.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3876750
|
2020-10-01
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
VEROS CREDIT, 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 |
2020-10-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-10-01
|
| Company Public Response |
Company can't verify or dispute the facts in the complaint
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4102311
|
2021-01-29
|
Problems at the end of the loan or lease
|
Vehicle loan or lease
|
|
| Tags |
Servicemember
|
| Issue |
Problems at the end of the loan or lease
|
| Timely |
Yes
|
| Company |
VEROS CREDIT, LLC.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with paying off the loan
|
| Sub Product |
Loan
|
| Date Received |
2021-01-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-01-29
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10229953
|
2024-09-22
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
VEROS CREDIT, 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 |
2024-09-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-24
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3015678
|
2018-09-11
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
No
|
| Company |
VEROS CREDIT, LLC.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Auto debt
|
| Date Received |
2018-09-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-09-11
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
XX/XX/XXXX, the vehicle was repossessed. XXXX, I noticed wages being garnished from my check. I, then filed a Head of Household exemption form. In XX/XX/XXXX I received notice to appear before a judge. I appeared in court the Judge granted wages to stop being garnished and return all monies that was taken. And that was final. Also, the are in breach of contract by violating the Arbitation clause. As previously requested they removed account from all credit bureau 's immediately.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2926272
|
2018-06-04
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
VEROS CREDIT, LLC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Auto debt
|
| Date Received |
2018-06-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-06-04
|
| Complaint What Happened |
Ask for debt to be verified, not given any documentation thus far.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5945599
|
2022-09-03
|
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 |
VEROS CREDIT, LLC.
|
| 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 |
2022-09-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-03
|
| Complaint What Happened |
XXXX HAS FAIL TO PROPERLY INVESTIGATE ACCOUNTS THERE ARE FRAUD SUMMITED A DISPUTE AND I TOOK 2 DAYS TO SAY THAT THEY VERIFY THE ACCOUNTS IN QUESTION WICH IS XXXX XXXX, VEROS CREDIT WICH THE WERE OPEND DO TO IDENTITY THEFT IN WICH I HAVE SUMIT AL PAPERWORK TO THE IN INCLUDING POLICE REPORT FTCA REPOT AND STILL THE HAVE VIOLATED MY CONSUMER RIGHTS. ACCORDING TO THE FCRA ACT SECTION 609 A 1 A THEY ARE REQUIRE BY FEDARL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION AND I DEMAND THE FOLLOWING ACCOUNT TO BE VERIFIED OR REMOVE IMMEDIATELY
|
| Consumer Consent Provided |
Consent provided
|
|
|
2744893
|
2017-12-03
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
VEROS CREDIT, LLC.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
High-pressure sales tactics
|
| Sub Product |
Loan
|
| Date Received |
2017-12-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-12-03
|
| Complaint What Happened |
I purchased a vehicle onXX/XX/XXXXXX/XX/XXXX, a XXXX XXXX XXXX Vin XXXX, from XXXX XXXX XXXX XXXX, a XXXX, Florida Buy here- Pay here dealer This vehicle was to be financed through .Veros Credit LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ca. The dealer provided all the financing paperwork. This was the first time in my life I had purchased a car. I have only been in this country for a year and a half. I am from XXXX and my XXXX was not very good. The dealer just printed out the paperwork, he never advised me of any information on the financing of the vehicle. He never went over the truth in lending disclosure He never advised me of the interest rate on the loan I was just shoved all the paperwork and just sign on the signature line. I was only advised to bring the first payment to him in cash and he would then send it to the finance company. Since the purchase the vehicle has never worked and has had extensive mechanical issues. The vehicle had to be returned on two separate occasions on the date of purchase. I was provided with two different loaner vehicles during the first day of purchase. The vehicle overheated twice the first time I took delivery. Within the hour of delivery I had to return it. The engine was running hot and the motor was extremely noisy. I was provided the first loaner vehicle.The first loaner he provided had transmission issues. I was not able to go to work. After a period of several hours the dealer called me to pick up the vehicle I purchased. It was supposed to be repaired. At that point I was headed to my work and the vehicle again acted up. This time the temperature gauge was indicating the motor was getting hot and was noisy. I immediately started back to the dealer, but was unable to make it back, the car broke down within about 1.5 miles from the dealer. I had to call the dealer to pick up the car, a person working for the dealer came and drove the vehicle back, we could not exceed 15-20 miles an hour, the vehicle had to be stopped several times due to the overheating. The vehicle was blowing out white smoke ( the motor had blown a head gasket ) from the exhaust.I was told the motor need work. After reaching the dealer I was again provided another loaner, was told they would check the car out and get back to me. To this dateXX/XX/XXXX, I have called the dealer 4-5 times, each time it has been a run-around. He has gone as far as telling me that his mechanic was not working the week of XXXX. I have never been called to pick up my car. As a result of these issue I even lost my job for failure to be on time and failure to report to work. The vehicle I purchased has been at the dealer since the day I was supposed to take delivery.. I only had the vehicle for only 4 hours of use. At this point I will not be accepting or purchasing any vehicles from this dealer. The dealer has advised me I will be responsible for still paying the loan and I have no recourse. I called and notified the finance and the stated I was stuck with this car and that they were unable to do anything to help me out. They told me that if I did not make my first payment that they would repossess the car, sell it at auction and I would be responsible for the balance if any after the sale, they advised that the dealer should have gone over the financing paperwork and could not help me at all.
I feel the dealer committed fraud by not advising me the details concerning the financing and interest rate or shown me the details of the financing as well as the truth in lending and interest rate. Now he is refusing to release my deposit and that I have lost all my money. The dealer has acted in bad faith, knew of the issues ofthe car and stuck me with a bad finance company, I have field complaints with the state of Florida as well. I am hoping The CFPB can help me with the finance company since the financing of the vehicle was mis-represented to me and the finance company is refusing to help.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9854589
|
2024-08-19
|
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 |
VEROS CREDIT, LLC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Investigation took more than 30 days
|
| 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 |
2024-08-19
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6387256
|
2023-01-03
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
VEROS CREDIT, LLC.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Fraudulent loan
|
| Sub Product |
Loan
|
| Date Received |
2023-01-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-03
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
XX/XX/XXXX entered into a Fraudulent Loan due to the fact that the vehicle is being fiance and per the consumer laws a down payment should not be taken at the time of the consumer credit transaction which violated consumer law Which I made a down payment.
Second, Insurance premiums are supposed to be included into the finance charges per 15 U.S. Code 1605 ( a ) Third, per phone called XX/XX/XXXX, I was threaten with repossession per 15 U.S. Code 1692e ( 4 ) That is in violation of my consumer rights I have been harassed by your company, and threaten to have my car taken away which this consumer credit transaction was Fraudulent upon entering into on XX/XX/XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
7064220
|
2023-06-02
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
VEROS CREDIT, LLC.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-06-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-02
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Veros Credit along with XXXX XXXX XXXX XXXX The court ordered for my wages to be garnished for a total of {$6200.00} to be paid to Veros Credit LLC.
They are represented by XXXX XXXX XXXXXXXX XXXX
According to my findings, My employer paid out a total of {$6400.00} which XXXX XXXX XXXX XXXX confirmed in the spread sheet that THEY sent me.
That means my employer has paid out {$150.00} MORE than the court 's Final judgment.
On the spread sheet it clearly states that FOUR ( 4 ) payments were sent directly to Veros Credit LLC under payee name and payee address column.
And FIVE ( 5 ) payments were sent FOR Veros Credit to their Attorney 's office. Again, all listed in the spread sheet that THEY sent to me.
I've attached the court document where the court specifically states the following : " Payments are to be sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX As of the XX/XX/2022 they garnished an additional {$460.00}.
That equals a total garnishment amount of {$6800.00} and a new OVER PAYMENT amount of {$610.00}.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9799640
|
2024-08-14
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
VEROS CREDIT, LLC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was already discharged in bankruptcy and is no longer owed
|
| Sub Product |
Auto debt
|
| Date Received |
2024-08-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-14
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7901545
|
2023-11-25
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
VEROS CREDIT, LLC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-11-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-25
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7869098
|
2023-11-17
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
VEROS CREDIT, LLC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-11-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-17
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9315368
|
2024-06-22
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
VEROS CREDIT, LLC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Old information reappears or never goes away
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-06-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-07-02
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
XXXX XXXX XX/XX/year> XXXX I have previously requested that my original documents be mailed to me, but I have yet to receive a response or the documents themselves. I am still awaiting a response to my request.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7706033
|
2023-10-16
|
Repossession
|
Vehicle loan or lease
|
|
| Issue |
Repossession
|
| Timely |
Yes
|
| Company |
VEROS CREDIT, LLC.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Notice to repossess
|
| Sub Product |
Loan
|
| Date Received |
2023-10-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-10-16
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Other
|
|
|
9256285
|
2024-06-13
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
VEROS CREDIT, 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 |
2024-06-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-06-18
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6014865
|
2022-09-25
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
VEROS CREDIT, 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 |
2022-09-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-25
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
These accounts are not mine but is reflecting on my credit reports.
XXXX XXXX XXXX # : XXXX Opened : XX/XX/XXXX Amount : {$100.00} Veros Credit LLC Acct # : XXXX Opened : XX/XX/XXXX Amount : {$25000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave Veros Credit LLC or XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10363241
|
2024-10-06
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
VEROS CREDIT, 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 |
2024-10-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-06
|
| Complaint What Happened |
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question that listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Report Act, 15 U.S.C 1681g, I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( I ).
By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted Name Of Account : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, AL XXXX Date : XX/XX/XXXX Hard Inquiry not recognizable by account owner. I did not verify this hard inquiry myself.
Name Of Account : XXXX XXXX XXXXXXXX XXXX.
Date : XX/XX/XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Collection has been paid by account owner.
Name of account : XXXX XXXX XXXX Date : XX/XX/XXXX Balance has been paid off by account owner.
Name of account : XXXX XXXX ( Auto Loan ) Date : XX/XX/XXXXXXXX Account number : XXXX account is closed.
Collection has been PAID OFF BY CREDITOR.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8413453
|
2024-02-24
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
VEROS CREDIT, LLC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Auto debt
|
| Date Received |
2024-02-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-24
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
This debt is in collections
|
| Consumer Consent Provided |
Consent provided
|
|
|
5023994
|
2021-12-19
|
Struggling to pay your loan
|
Vehicle loan or lease
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
VEROS CREDIT, LLC.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Lender trying to repossess or disable the vehicle
|
| Sub Product |
Loan
|
| Date Received |
2021-12-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-12-19
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Veros credit harasses me for only being a few days late. Due to the fact that im struggling to find a job. I believe in XXXX. Because they couldnt get ahold of me. They blocked my account, so i couldn't pay online, also they threatened me saying my XXXX was going to be turned over to the dealership. For only being 1 month late. and the reason they couldn't reach me is because i changed my number. But instead of calling my wife phone, that they have on file. They started calling and harassing our references. Yes i agree that its my fault for forgetting to update my phone number. But it is their fault on why they couldnt reach me. Because they did not call my wife number that is on file. Instead, they harassed my references.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2146109
|
2016-10-04
|
Managing the loan or lease
|
Consumer Loan
|
|
| Tags |
Servicemember
|
| Issue |
Managing the loan or lease
|
| Timely |
No
|
| Company |
VEROS CREDIT, LLC.
|
| Product |
Consumer Loan
|
| Sub Product |
Vehicle loan
|
| Date Received |
2016-10-04
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-10-04
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
N/A
|
|
|
6434813
|
2023-01-13
|
Unable to get your credit report or credit score
|
Vehicle loan or lease
|
|
| Issue |
Unable to get your credit report or credit score
|
| Timely |
Yes
|
| Company |
VEROS CREDIT, LLC.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Other problem getting your report or credit score
|
| Sub Product |
Loan
|
| Date Received |
2023-01-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-13
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9613527
|
2024-07-25
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
VEROS CREDIT, LLC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-07-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-07-25
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
