|
6733458
|
2023-03-22
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
No
|
| Company |
Vehicle Solutions Corp
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-03-22
|
| Submitted Via |
Web
|
| Company Response |
Untimely response
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-26
|
| Complaint What Happened |
i sent the credit Bureaus letters asking them to verify the on my report.the have sent it back stating that everything is verified correctly. my credit report is still showing inaccuracies 15 U.S.C 1681s-2 AX1 A person shall not fumish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate
|
| Consumer Consent Provided |
Consent provided
|
|
|
5396877
|
2022-04-01
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
No
|
| Company |
Vehicle Solutions Corp
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Auto debt
|
| Date Received |
2022-04-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-04-01
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
My name is XXXX XXXX and this is in reference to my previous case, the previous case # was XXXX.
In that complaint I demanded the following items and they have not been sent over.
XXXX XXXX XXXX demand you stop all illegal negative reporting to any and ALL consumer reporting agencies and remove from my file NOW*** XXXX XXXX XXXX XXXX XXXX ***INVOICE FOR WHEN VEHICLE WAS XXXX Under FDCPA if this company is not going to honor my request, they must remove this file from all CRA 'S.
Once again, I have sent this company a cease and desist and demanded an Audit Trail, Debt Validation, Forward Floor Agreement and Invoice for when vehicle was sold after illegally being taken from my possession. Under CFPB consumer protection laws, this company must sent back this information and if they do not, must remove from my credit file.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3758016
|
2020-07-22
|
Incorrect information on your report
|
Vehicle loan or lease
|
|
| Issue |
Incorrect information on your report
|
| Timely |
No
|
| Company |
Vehicle Solutions Corp
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Loan
|
| Date Received |
2020-07-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-08-03
|
| Complaint What Happened |
Since XX/XX/2020, I have called my auto loan company several times to resolve this error on my credit report. On XX/XX/2020, my auto loan company reported that my account is 90 days past due with the balance of {$1500.00} ( which included a repossession fee ) and that my car is being repossessed. I did not understand why my car is being repossessed when I made a payment to them on XX/XX/2020 of {$390.00}. Although my payment is usually due on the XXXX, I paid this amount without a late fee because one of their customer service representatives offered me their COVID-19 relief program on XX/XX/2020 around XXXX. According to this rep, the COVID-19 program would defer my payment for XXXX once I made the payment in XXXX and sent my job letter. Which I did as instructed. ( proof will be attached below ) The next time I call in XXXX to make a payment I hear my car is in repossessions. On XX/XX/2020 around XXXX - XXXXXXXX XXXX, I spoke to XXXX XXXX this situation and she said this occurred because their system did not acknowledge my payment made in XXXX nor was there record of the covid relief program being offered. I sent her a bank statement showing her that payment was made and sent my job letter. She agreed to honor the deferment and told me it would be updated by XX/XX/XXXX. It has not been updated nor was my covid relief offer acknowledge. As of XX/XX/2020, I have called multiple times about this issue still not being resolved and I am unable to speak to anyone.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5174646
|
2022-02-01
|
Incorrect information on your report
|
Vehicle loan or lease
|
|
| Issue |
Incorrect information on your report
|
| Timely |
No
|
| Company |
Vehicle Solutions Corp
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Loan
|
| Date Received |
2022-02-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-02-15
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5444447
|
2022-04-14
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Vehicle Solutions Corp
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-04-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-04-14
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
My initial contact with XXXX and XXXX was on XX/XX/2022 when I sent a letter to both companies via certified mail that was delivered on XXXX and XX/XX/2022. After reviewing my credit report I noticed that an account from Vehicle Solutions Corp was reporting inaccurate information for alittle over a year and requested that the account be removed from my credit report. XXXX and XXXX sent me results of the investigation and stated the information was accurate however it is not and I can prove it in court that the information is not accurate. I have reached out to Vehicle Solutions on three separate occasions requesting that they remove the account from my credit reports. To date Vehicle Solutions Corp is still reporting in accurate information to my credit reports. No it is not my responsibility to tell a company what or how to report to the credit bureaus. The FCRA states that a company is not to report inaccurate, outdated, or invalidated accounts on a consumer 's credit file. It also states that its the credit bureaus responsibility to ensure that all information contained within a consumers ' credit file is accurate and free from errors. All three companies have failed to do this XXXX, Vehicle Solutions and XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5395420
|
2022-04-01
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Vehicle Solutions Corp
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Auto debt
|
| Date Received |
2022-04-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-04-01
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
This company has violated several practices pursuit the FDCPA ( Fair Collection Practices Act ). I am demanding a XXXX XXXX as this company is reporting negatively on my credit file. This company needs to remove this file from all reporting XXXX XXXX asap and I demand the following be sent to me asap if it is not removed.
XXXX XXXX XXXXI demand you stop all illegal negative reporting to any and ALL consumer reporting agencies and remove from my file NOW*** ***XXXX XXXX*** ***Check for {$5000.00} for all Violations under FDCPA as of this notice and have it sent to my name and address listed above. *** ***XXXX XXXX XXXX*** ***INVOICE FOR WHEN VECHILE WAS SOLDXXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
4670072
|
2021-08-27
|
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 |
Yes
|
| Company |
Vehicle Solutions Corp
|
| 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 |
2021-08-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-09-16
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6077128
|
2022-10-12
|
Struggling to pay your loan
|
Vehicle loan or lease
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
Vehicle Solutions Corp
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Loan balance remaining after the vehicle is repossessed and sold
|
| Sub Product |
Loan
|
| Date Received |
2022-10-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-10-31
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I bought a SUV from XXXX in XXXX XXXX, FL. I was having issues with them from the very beginning. They never in 6 months gave me a tag for the vehicle. They gave me a temp tag. After that first month they gave me a second temp tag. Months 3 they said they couldn't give me another temp tag. Problem is they never got my tag from the XXXX. I called the XXXX and they said that XXXX would have to get me a tag. At that point I had been stopped by the police because they never gave me a tag. I was riding around for 2 months with an expired temp tag. I went back and they gave me a third temp tag. I told them that I can't keep waiting for my tag. They said it would only take a week for my tag to come in. A week later, still no tag. After that month the third temp tag is now expired. Because I never got a real tag from XXXX my vehicle was towed from my appointment complex because of expired tags. When the vehicle was towed I told them that they can just take the vehicle back because I was tired of dealing with the waiting game that never ended. On top of that the loan company never sent me any paperwork for my loan and lost my first payment saying it was never maid when it was clear as day taken out of my account and the payment was made at the dealership.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5223845
|
2022-02-15
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
No
|
| Company |
Vehicle Solutions Corp
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Fraudulent loan
|
| Sub Product |
Loan
|
| Date Received |
2022-02-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-02-15
|
| 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
|
|
|
4714537
|
2021-09-13
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Vehicle Solutions Corp
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-09-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-09-23
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
This company statement is deceptive and misleading. This company has violated rules FDCPA and FCRA. This company states that I made a payment on XX/XX/2021. Per my loan agreement my payments are due on the XXXX of every month. On XX/XX/2021 I made 2 payments totaling XXXX which meets my contractual obligation. This company continues to indulge in malicious intent by locking my account and stating that only a manager can process a payment. I have made several attempts daily to speak with only one manager that can process payments and unlock my account. The staff mainly speaks XXXX and is insanely rude and unprofessional. I have phone records to validate the timeframe of my calls. This company continuously engages in deceitful practices and intentionally makes it difficult to submit payments which is creating stress and is causing final harm to myself. I am requesting for Vehicle Solutions to provide accurate documentation that I have consistently submitted payments beyond 30 days late. Additionally I am asking for Vehicle Solutions to stop the deceitful practice of locking my accounts from on time payments. Also remove this false / inaccurate information from my credit report and provide a complete and accurate payments for all payments submitted for this account.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4710687
|
2021-09-10
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
Vehicle Solutions Corp
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Billing problem
|
| Sub Product |
Loan
|
| Date Received |
2021-09-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-09-10
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4635192
|
2021-08-16
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
Vehicle Solutions Corp
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Billing problem
|
| Sub Product |
Loan
|
| Date Received |
2021-08-16
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-08-30
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
N/A
|
|
