Consumer complaint received 2020-11-23
Company: VW Credit
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX, I electronicially demanded that XXXX, XXXX XXXX and XXXX  immediately remove negative information which is now affecting my rental home. I may lose my home due to the illegal reporting from VW. It now well over 30 days and I contacted XXXX, XXXX XXXX and XXXX  to remove the negative information reported by VW Credit Initial Acct. XXXX VIN XXXX. All 3 credit bureaus are refusing to remove the negative item related to the VW negative information.

The business with VW is illegal in the first place. I was sold a car resale whereby XXXX  dealership never serviced to the car, yet handed the car to me. This XXXX  car had to be picked up by XXXX  dealership after only 2 and 1/2 months. The car was not driving. Then, XXXX after getting paid thru varied insurance policies had nerve to sell the contract to a Debt Collector for pennies on the dollar and then in ill will - put on my credit report a Repossession WITHOUT MY WRITTEN PERMISSION. I was never issued a NOTICE OF FURNISHING NEGATIVE INFORMATION and I never signed a NOTICE OF FURNISHING NEGATIVE INFORMATION I am well aware that as of XXXX - Fair and Accurate Credit Transactions Act of XXXX was put in place to protect consumers like myself to protect against bad good faith business who initiate contracts involving illegal activities such as reselling cars that are never serviced and sold defective. VW does not have anything in writing from me reporting ANYTHING negative on my credit report. I have asked VW, XXXX, XXXX, XXXX  to provide me proof that I signed ANYTHING permitting VW to report negative information. In the past 30 days as of XX/XX/XXXX, all 4 companies have not performed in providing anything signed by me stating NOTICE OF FURNISHING NEGATIVE INFORMATION - VW is reqiured to me the following statement " WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. '' Their refusal to remove their negative reporting is not affecting my housing right - under Fair Housing Act, Civil Rights Act of 1964, Civil Rights Act of 1968. VW Credit failed to obtain my written authorization under Fair and Accurate Credit Transactions Act of 2003 - VW is required to provide me above statement as prescribed by Section 217. 

I need XXXX, XXXX, XXXX  and VW Credit to remove immediately the unlawful rereporting which does not complay with Fair and Accurate Credit Transactions act of 2003 prescribed by Section 217. 30 days have passed - all three credit bureaus want to dsipute AGAIN! This needs to stop. I am losing my rental home due to this illegal marking. They failed to get my permission in writing - as required by Fair and Accurate Credit Transactions Act of 2003 prescribed by Section 217. I can not lose my home due to VW Credit, XXXX, XXXX andXXXX electing to bully, harrass and descriminating against me by refusing to remove this negative marking,

Company response to consumer: Closed with explanation