|
5693848
|
2022-06-21
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
VW Credit, Inc
|
| 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 |
2022-06-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-21
|
| Complaint What Happened |
In accordance with the fair credit reporting act XXXX account Audi Financial account number 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 instruction.
15 U.S.C. 1666 B. A creditor may not treat a payment on a car loan account under an open end consumer credit plan as late for any purpose.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10709828
|
2024-11-07
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
VW Credit, Inc
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Billing problem
|
| Sub Product |
Loan
|
| Date Received |
2024-11-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-07
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10803083
|
2024-11-14
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
VW Credit, Inc
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-14
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7837070
|
2023-11-11
|
Incorrect information on your report
|
Vehicle loan or lease
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
VW Credit, Inc
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Loan
|
| Date Received |
2023-11-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-11
|
| Complaint What Happened |
Payments was late due to in forbearance with car loan company. In Accordance with the Fair Credit Reporting. USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit. Please adjust all late payments.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8447777
|
2024-03-01
|
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 |
VW Credit, Inc
|
| 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 |
2024-03-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-03-01
|
| Consumer Consent Provided |
Consent not provided
|
|
|
664437
|
2014-01-12
|
Incorrect information on credit report
|
Credit reporting
|
|
| Issue |
Incorrect information on credit report
|
| Timely |
Yes
|
| Company |
VW Credit, Inc
|
| Product |
Credit reporting
|
| Sub Issue |
Account status
|
| Date Received |
2014-01-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-01-16
|
| Consumer Consent Provided |
N/A
|
|
|
7965635
|
2023-12-07
|
Repossession
|
Vehicle loan or lease
|
|
| Issue |
Repossession
|
| Timely |
Yes
|
| Company |
VW Credit, Inc
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Account reinstatement or redemption after repossession
|
| Sub Product |
Loan
|
| Date Received |
2023-12-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-07
|
| Complaint What Happened |
1. Identity theft by sharing private information with third parties.
2. Misappropriation of collateral by creating and selling the contract without administering valuable consideration to the endorsement of contract.
3. Company has not paid transfer tax.
4. Due to lack of valuable consideration, dividend was never distributed to the beneficial owner of original contract signor.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9099653
|
2024-05-25
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
VW Credit, Inc
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-05-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-05-25
|
| Complaint What Happened |
I hereby write this email with a potent heap of frustration and an unwavering demand for corrective action pertaining to a gross violation involving VW Credit on my credit report.
With the utmost respect to your esteemed establishment, it is worth stating right off the bat that your lack of due diligence in cross-checking the reported data is nothing short of alarming. The mere inclusion of VW credit in my report not only goes against my rights as a consumer, but is in clear violation of 15 USC 1681. Let 's not try to sugar coat this mess as it is glaringly obvious - VW credit is a XXXX scam, a deplorable scheme dismissed by virtuous people and manned by a bunch of fraudulent XXXX
The facts are straightforward. Last year, I turned in my vehicle and walked away from my contentious relationship with VW. Wrapped up my lease and paid a joyously beautiful amount of exactly nothing, {$0.00}, as my outstanding balance. The petered out spirit of investigation on your part, as well as the audacity of VW allowing this erroneous reporting, is a clear violation of my rights. They've had the gall to persistently misreport to the credit bureau, despite flaunting that lovely {$0.00} balance statement right in my face.
To add fuel to already blazing fire - I'm quite sure you have knowledge of this - in 2019 a class-action lawsuit was proposed against the dual evil entities of XXXX XXXX XXXX XXXX XXXX and the notorious VW Credit , Inc . The allegation was a hard-hitting one - they were violating the Fair Credit Reporting Act ( FCRA ) by shamelessly exhibiting their ineptitude in conducting proper investigations and demonstrating reckless abandon when recording disputed credit account information.
It is sheer lunacy that we're still ruminating over this issue. VW is continuing to blatantly avoid investigating the items they're flippantly reporting to individuals ' personal credit. This reckless behavior is beyond scandalous, it's a crime and simultaneously a prime example of a company laughing at the tenets that govern it.
I humbly demand although my patience grows incredibly thin that you carry out a thorough and reputable examination of this unjustifiable entry on my credit report. Your swift rectification of this grievous situation would be much appreciated.
I look forward to seeing less of your procedural inefficiency and more of a restoration of your supposed reputation.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7547304
|
2023-09-14
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
VW Credit, Inc
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Credit denial
|
| Sub Product |
Loan
|
| Date Received |
2023-09-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-14
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6537761
|
2023-02-06
|
Improper use of your report
|
Vehicle loan or lease
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
VW Credit, Inc
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Loan
|
| Date Received |
2023-02-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-06
|
| Complaint What Happened |
In accordance with the Fair Credit Reporting act. XXXX account ending in XXXX, has violated my rights 15 U.S.C 1681 section 602A States I have the right to privacy.
15 U.S.C 1681 Section 604A Section 2 also states A consumer reporting agency can not furnish a without my written instructions
|
| Consumer Consent Provided |
Consent provided
|
|
|
8737849
|
2024-04-10
|
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 |
VW Credit, Inc
|
| 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 |
2024-04-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-10
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8737996
|
2024-04-10
|
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 |
VW Credit, Inc
|
| 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 |
2024-04-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-10
|
| Consumer Consent Provided |
Consent not provided
|
|
