Product: Credit reporting, credit repair services, or other personal consumer reports

To the Bureau : The need for reporting this to you as a consumer to the consumer financial protection Bureau is You maintain and regulate records of event that is affecting consumer like me that somehow we need to address this for in order to irregular deceiving practice are capture.   So my purpose is to let you know about any unacceptable and unequal and illegalities this company in getting away in regards to my right.   I seek of you for guide and assistance I trust you will help me to correct what I am about to share with you.   I will do all my best to be as clear of this has taken in place for you to have an understanding the implication and the series of violation I have discover on reviews this car loan.   During my discovery I have said to myself how can this all be done and how they can get away.   At  one  point I say maybe is it me that I am not understanding of how things works, and to better understand this.   I have educate myself as much as I could in order to put in writing whether the finding are not on what I am supporting can only be discover if this get to be investigate, and this is way I am reporting this I have put of hours loss of sleep as I was mistreat disrespected, victimized during this complain Not doing anything about it was not an answer If I did not do anything about it would have been was irresponsible of me.   Hope that this will help many other as I am convince that this is not the only case but less assume it is for our sake. I wish it was, but I doubt is not. It will be up to your organization to seek this further.   I also like to share with you that I was one that did not review my credit profile often I as should, and now that I am have had several problems with other account each of them very unique issues to address but all come to be the same when in regard to violation of customer right. Also my personal information have been stolen 3 times in the last 15 years which is making even further to clean discrepancies is an easier way, but is has not.   I am so glad that we have in place an organization like this. I so thank you very much for the time and effort that you will put on this, thank you can never be enough but is a start!      XXXX   XXXX  On or around  XX/XX/XXXX  I was in the process of reviewing my credit report profile.   I discover that  XXXX  my car loans that was open with  XXXX   XXXX  and it was closed in  XX/XX/XXXX .   There was a negative remark reported on that account, because of been age  4  more plus years.   I did not impacted my credit badly is is normally at first when having reported in credit file  XXXX  30 days late. I then research my records as I suspected I was not late in any of the payments on this loan.   So they reported that on  XX/XX/XXXX  I was 30 days late.   I like to say prior this car loan I have had  XXXX  more loan with  XXXX   XXXX  and my current loan is with  XXXX  I have never been late in any of this loans putting it all together I have been a loyal costumer, but this time something was not right so I initiated a dispute with Equifax about the one time  30  late.   Note : that the account has been closed since  XX/XX/XXXX . And to some degree if was still have adown effect on my score.   So having an error on their part it would have been not a problem to get it remove, but it has not been the case.   They responded to credit reporting borrow as verified. Here were problem got complicate, so call then directly and ask that I would like to dispute this  30days  late report so they over the phone yes that was the case, I told them and ask if they any document to support that? I was told dont have to show me anything because the account has been closed and it did not matter.     I say that there must be an error, they responded is impossible they say the error was not mine because I did not paid in time. Well things were getting ugly hangin up the phone talking in a abusive manner. I could believe or not get the person understand that if they dont have any record of it how was it reported back on  XX/XX/XXXX  or  XX/XX/XXXX  Note : I am not sure when it was reported but base on credit file account was last update when it closed which make cense.     What was more disturbing is that they new I think that I was a long time costumer that never had any problem you think that  may  have help not at all. I would hate to think if you just new costumer what will be like.     Net thing I did I call again and ask for all the records for the account I was specific what I needed they responded not be able to receive any of documents because simple they dont have it.   They next thing I did was putting my request on writing with need a respond back from them.   On the letter send to them I was very specific what I was disputing, why should be delete So the question was : Was there a late 30 day pass due payment received by you from me? yes or no if no to please delete the record, if it was indeed late to prove it to me as I told then that my bank statement prove otherwise they say they could not use my record I was not longer able to make any demands Wow!   I also have say that any other issues arise from this dispute was not what I was disputing they only thing was this negative information Note : the account was closed and paid so that say practically there should not be any update on the account unless like in this case I discover a negative item that I was not aware place on credit file.   I am going to summarized what took place the following day of me sending document.     I got an alert from muy credit file saying that something change on my credit file.   So what came in mind was oh good that must be the file that I have requested to be delete.   To my surprise that was not the case, so what happen and what they did was far much worse before disputi ng by two factor one the y delete and then use  XX/XX/XXXX  as the new date or corrected they should have input then, but here is the deal I was not ever late on any month period have proof that they dont want to see or deal with  XXXX  and they would not give me any proof neither.   So here is where it stand they would remove anything on the account that what they are reporting is accurate.   I give up!     Now as you have read this complain they are in violation in several aspect as I have received few documents from then that shown nothing more than a bunch of numbers on an exel file with not any document to back it up. So on reviewing that discover many more issues. Here few when requested for payoff amount what was ask what I send there was a big descripancy they should have return about {$990.00} dollars back to me. When I ask what is going on they have an answer for whatever it was so for them to say that there is not error.   I will please beg for you advice and to the assistance to who can help to resolve thi sand to properly have an investigation on them, but must importantly they need to be told that infact they have to be delete that wrong reporting now they also damage my credit score by almost  XXXX  points because they have reaging the account delete all the payment history as not reported is as bad as saying they receive any payment. I have not included record with this report but I like to confirm that I have all the records to support why should not have been place plus there is an amount of money that I demand to give it back to me as they should have!   Please help in needed.   Thank you!          XXXX   XXXX  department staff did not following protocol as a result they have violated my Rights Under the Fair Credit Reporting act for the following Please note : In the way I am writing this complain is : by explaining my side of the story with fact center with my case, and by inserting what the law mandate and is required from the creditor and lending companies need to abide.     They are in violation by not requesting for permission when conducting an independent internal review if account that was not part of a request of a dispute. I this case I was very specific when making the dispute what I need it for them to clarified. Communication was also done in writing which I have proof to support this that a review of account was conducted under different criteria, they could have done what it call soft inquiry without having to have any effect on my credit profile which I know in this case they dont have to ask for permitting to only perform account reviews without changing any information, on this instant was irrelevant.     Before You Get a Consumer Report the law says : You must : If credit report is required to follow up when customer request and investigation you are get written permission from the customer This can be part of the document you use to notify the person that you will get a consumer report. If you want the authorization to allow you to get consumer reports, make sure you say so clearly and conspicuously.   I have writing in a letter send to them and give then authorization to review the account to the specific item in dispute and nothing else, in the event they find that item in dispute is valid to delete if other finding to please notified me of such with documents to support their finding Note the authorities or agencies reviewing what I am disclosing I have proof documents to support this statement Certify compliance to the company from which you are getting the applicant or employee 's information. You must certify that you : o notified the applicant or employee and got their permission to get a consumer report ; o complied with all of the FCRA requirements ; and o will not discriminate against the applicant or employee or otherwise misuse the information, as provided by any applicable federal or state equal opportunity laws or regulations.            XXXX   XXXX  Department is in violation by not informing me or I have been informed instead they have respond with confusing letters by misleading information to customer which is like not informing correctly is like not reporting at all.   They are violation by not communicating to me before any action taken, they have after placing adverse action on my account without any documented records to show the validity to support the action taken. I have giving them plenty of opportunity to do so. I was not succefull in obtaining such records There forth they are violation Before You Take an Adverse Action Before you reject a job application, reassign or terminate an employee, deny a promotion, or take any other adverse employment action based on information in a consumer report, you must give the applicant or employee : Giving the person the notice in advance gives the person the opportunity to review the report and tell you if it is correct.     They are violation by sending and communicating misleading information that is not or was not in relation to alleged dispute that was requested. I have documents proof to support my affirmative facts of event that have taken place from the beginning of initial dispute request After Take an Adverse  Action  If you take an adverse action based on information in a consumer report, you must give the applicant or employee a notice of that fact orally, in writing, or electronically.   An adverse action notice tells people about their rights to see information being reported about them and to correct inaccurate information. The notice must include : the name, address, and phone number of the consumer reporting company that supplied the report ; a statement that the company that supplied the report did not make the decision to take the unfavorable action and ca n't give specific reasons for it ; and a notice of the person 's right to dispute the accuracy or completeness of any information the consumer reporting company furnished, and to get an additional free report from the company if the person asks for it within 60 days.     Please Note : In addition the the Credit reporting bureau is in violation for not reporting to me the adverse action that took place on my account  XXXX   XXXX  violate my rights under The Fair Credit Billing Act Charter Billing and Credit In Violation under Secti on 161 Corr ection of billing errors By not clarifying dispute in relation to account when request for documentation when costumer asking on alleged account in dispute.     In violation under Secti on 162 Regulation of credit reports In violation under Section 164 In violation under Section 166