|
10206188
|
2024-09-22
|
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 |
2024-09-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-22
|
| 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 formally dispute the validity of the collection account referenced above, which has been inaccurately reported on my credit report. Under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I request that you investigate this matter and remove any erroneous information regarding this debt from my credit report.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7134145
|
2023-06-18
|
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 |
2023-06-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-19
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Other
|
|
|
8371734
|
2024-02-19
|
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 |
2024-02-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-19
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Accounts and addresses are reporting inaccurate my credit report
|
| Consumer Consent Provided |
Consent provided
|
|
|
8427643
|
2024-02-27
|
Incorrect information on your report
|
Vehicle loan or lease
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
AUTOMOTIVE CREDIT CORPORATION
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Loan
|
| Date Received |
2024-02-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-27
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Inaccurate accounts and inaccurate reporting on my credit report
|
| Consumer Consent Provided |
Consent provided
|
|
|
7540219
|
2023-09-12
|
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 |
2023-09-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-12
|
| 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
|
|
|
10206236
|
2024-09-22
|
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 |
2024-09-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-22
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
The original agreement between us includes an arbitration clause that requires any dispute related to the validity of the debt or reporting to be resolved through arbitration. I demand that this matter be resolved pursuant to this clause and request that you initiate the arbitration process with [ Arbitration Provider : e.g., XXXX XXXX XXXX XXXX XXXX ) or XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) ] within the timeframe specified in the agreement.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6348359
|
2022-12-21
|
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 |
2022-12-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-13
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Account # XXXX Auto Loan taken ut by XXXX XXXX XXXX Not XXXX XXXX, Should not show on my personal Account, Its paid by XXXX XXXX XXXX and not XXXX XXXX and the information is not correct and adversly affecting me
|
| Consumer Consent Provided |
Consent provided
|
|
|
3628201
|
2020-04-28
|
Struggling to pay your loan
|
Vehicle loan or lease
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
AUTOMOTIVE CREDIT CORPORATION
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Denied request to lower payments
|
| Sub Product |
Loan
|
| Date Received |
2020-04-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-05-01
|
| 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/2020 I received 2 phone calls from XXXX at my work number ( XXXX ) XXXX and 2 calls from ( XXXX from Automotive Credit Corp ) on my cell ( XXXX ). These all occur first thing in the morning when I am working. I returned the call around XXXX on my lunch and left a VM to let them know that they are not to call my work phone number ( XXXX ) as my boss got the message and was not happy. I was given a verbal warning. On XX/XX/2020 I again received 2 calls from XXXX ( XXXX from Automotive Credit Corp ) at my work number and also 2 calls from them on my cell. I then sent them an email which I got from their website and which I asked them again not to contact me at the work number. About an hour later a friend of mine who I listed on the loan papers as a reference received a call from XXXX ( XXXX ) who told XXXX I was behind in payment and that she needed a number to reach me at. XXXX then called me and asked that I remove her information from the file. I also requested that. Now on XX/XX/2020 I again receive 2 calls on my cell phone and one at my work number which my boss was lucky enough to get. He then gave me a final written warning and explained no more personal business calls at work. I have not included the emails sent to them or the write up as it may need to be used in court and I do not wish to provide them anything until after I speak to an Attorney.
|
| Consumer Consent Provided |
Consent provided
|
|
