Consumer complaint received 2021-03-25
Company: Vehicle Solutions Corp
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I would like to file a complaint against Vehicle Solution Corp. On XX/XX/XXXX, I voluntarily gave up my Car because I was unable to keep up with the payments due to the financial hardship I was facing, and I didnt want the payment to be late anymore than they already were. On XX/XX/XXXX, I received a letter in the mail Stating that my car would be sold at a private auction on XX/XX/XXXX. However that sale never happened and Vehicle Solution still has the car in their possession till this very day. After I gave up the car I was excited because that was one less bill I had to worry about, and also I was excited because the proceeds from the sale would pay off a big portion of the balance. Over the next few months from XX/XX/XXXX - XX/XX/XXXX, my XXXX XXXX XXXX  XXXX XXXX Dropped every month because Vehicle Solution reported that I still had the car in my possession, and my payments were constantly late even though I already gave up the car. In XX/XX/XXXX I reached out to the repossession department and I was transferred to XXXX at XXXX XXXX Who was not available so I left her a voicemail with brief details on whats going on and begged her to give me a call back which never happened. In XX/XX/XXXX I called vehicle solution back and was Transferred to extension 1011 again I left another voicemail and I never received a callback. In XX/XX/XXXX, I called vehicle solution and spoke with a supervisor ( whose name XXXX cant remember ) he was very helpful, he looked into the case and said he was going to open a dispute so that way the repossession could be reported, and all reporting should stop. He told me to allow 30 days for the dispute to be completed, and for the issue to be investigated and resolved. In XX/XX/XXXX, another reporting was done. This time I opened up an online dispute with both XXXX XXXX XXXX  in hopes of getting this issue resolved since clearly I was unable to resolve it with Vehicle Solution. On XX/XX/XXXX, another credit reporting was done, and my credit score was impacted. On XX/XX/XXXX, my XXXX Dispute was completed and the account status was updated accordingly. On XX/XX/XXXX XXXX XXXX dispute was completed and the resolution was the complete opposite of XXXX  stating that I still had the car and I still had late payments. On XX/XX/XXXX my husband and I reached out to XXXX, and spoke with a rep who informed us that we would need to reach out to Vehicle Solution because they were only reporting information sent over by Vehicle Solution. Taking the advice from XXXX we reached out to Vehicle Solution once again we were transferred to XXXX at extension 1011 this time we were unable to leave a message because her mailbox was full. On XX/XX/XXXX, I re-opened the dispute with XXXX this time the dispute remark was updated, the repossession was added, account status was updated to closed. A few days later, the status was changed back to open. On XX/XX/XXXX I called vehicle solution and spoke with a rep from the repossession department who agreed with me and stated the reporting should have stopped after the vehicle was repossessed on XXXX She then offered to transfer me to extension XXXX. But, this time I declined and told her that I have been trying for almost a year to get a hold of XXXX but she is always unavailable and she never returned any of my calls so she placed me on hold and somehow she was magically able to get a hold of XXXX on the phone. I spoke with XXXX, explained the situation at hand, after which she stated that they were not obligated to sell the vehicle if they dont want to. I then explained to her that due to the fact that they are just holding the vehicle and letting it sit there is doing some major damage to my credit, and also causing the price vehicle to depreciate. She basically said that as long as the vehicle remains unsold, the account will be left open and monthly reporting will be made until the vehicle is eventually sold. She was extremely rude, didnt show any empathy, didnt listen to understand what I was saying, instead she listened to basically respond. When I asked her why the vehicle has not been sold and its been almost a year she was unable to provide an answer. I told her I would be filing a complaint and pursuing legal action she the. Stated she will no longer be speaking to me and disconnected the call.

Company response to consumer: Closed with explanation