Consumer complaint received 2021-08-19
Company: MEI AUTO FINANCE INC
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: Information is missing that should be on the report

Complaint:
I am demanding that you delete this account from my reports IMMEDIATELY and supply documentation that is has been deleted, by providing me with an updated credit report. 

Furthermore, you are negatively reporting information that should not be on my credit report. By law, you are required to IMMEDIATELY AND EXPEDITIOUSLY delete the account showing on your records as XXXX # XXXX. The account number is reporting incomplete, which bars me from being able to verify if the account is actually mine. I have disputed with XXXX  and with the creditor as well. I have written documentation that I sent in a dispute for this account as of XX/XX/XXXX, as well as disputed in XXXX and to date there have been absolutely NO remarks listed showing that this account has been disputed. You have violated my consumer rights IN ACCORDANCE WITH FCRA 623 ( A ) ( 3 ). You lied and said that the account was verified as accurate and updated, which is not true. There were absolutely NO changes made to this item reporting after I disputed and I do not see any remarks showing that it has been disputed. I have not received any documents requested to show that this is a legitimate debt and that the alleged vehicle was not sold for the amount that is showing on my report. I do not own a financed vehicle or have access to one, yet I have NEVER received any documentation in regards to a repossession or sale of a previously purchased vehicle. Therefore, if the alleged vehicle repossessed belonged to me, the proper protocols and lawful procedures were NOT followed. You are required to DELETE this erroneous account from my credit reporting RIGHT NOW. I am maintaining these records to report you to the CFPB for violation of the laws that you are REQUIRED to abide by. I am willing to seek legal action to pursue you. Both creditor and credit reporting agency now owe me {$1000.00} per violation of my consumer legal rights. The continuous reporting of this account violates USC 15 1681 ( 2 ) i. ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Please delete this account immediately, as the 30 day time period has been exceeded and you my reports have been pulled several times, showing this inaccurate information, therefore please accept this invoice in the amount of {$1000.00} per violation. I will be waiting for my check to be delivered to the address that you have on my credit report file.

Rights and laws you, the Credit Reporting Agency and the Creditor, have violated : FDCPA 807 & 809 FCRA 623 A ( 3 ) FCRA 611 A ( 1 ) By law, you are required to IMMEDIATELY AND EXPEDITIOUSLY delete the account showing on your records as XXXX # XXXX. 
In addition, there are SEVERAL inconsistencies reporting across the 3 major bureaus for what appears to be this same account. The creditors name, address and contact information varies between my XXXX, XXXX  and XXXX  reports. This is illegal because a rightful debt can only belong to one company at a time, so why are there so many variations appearing on my reports? The XXXX reporting on my XXXX  report is XX/XX/XXXX, and the other 2 reports show XX/XX/XXXX. Also, one report is saying the last payment was made in XX/XX/XXXX, but the other reports say XX/XX/XXXX. Furthermore, this account reported CHARGED OFF on my Equifax report, UNJUSTLY in XX/XX/XXXX. This is absolutely INACCURATE AND FRAUDULENT reporting. I demanded proof of the reporting several times and you have provided NO SOURCE OF VALIDATED AND VERIFIED ACCURATE INFORMATION, NOR HAVE YOU CORRECTED THESE INACCURACIES. So I am holding you responsible for violation of my consumer rights. I have disputed this account for innacuracies several times, so I would like to know how you claim to have verified information is being reported accurately when there are several DIFFERING contradictory numbers and data showing on my reports. All of them can not be accurate if they all differ. You have reported blatant, absolute, LIES on my credit report. This is highly unethical. Why did you falsely report in my remarks across the bureaus on this account that a vehicle in my name was INVOLUNARILY REPOSESSED? That is absolutely not true. Under no circumstances have I ever had a vehicle involuntarily reposessed from my possession and charged off. I VOLUNTARILY surrendered a vehicle as of XX/XX/XXXX, due to severe health issues caused by COVID and giving birth in the middle of an illness and a pandemic. I advised that I was experiencing financial hardship due to being sick and unable to work just prior to having to take a maternity leave and ending up homeless, forcing me to relocate to my grandparents home out of state. I called my previous lender several times to review options and get advised of how to return the vehicle. The creditor intentionally procrastinated on accepting the vehicle back, and proceeded to report a late payment to one of my credit reports. ABSOLUTELY UNETHICAL. I requested proof of this alleged debt amount and paperwork since I was never served notice of this debt and only saw that it existed by viewing my credit reports. The paperwork was never issued or provided. Also, a late payment is showing for XX/XX/XXXX which can not be verified by the creditor as a rightful late payment. The payment history being reported to the bureaus for this account is inconsistent and does not make sense. However, it is damaging my credit reports. Therefore, you are in violation of reporting inaccurate and inconsistent information on my reports which is causing me undue harm in my finances. I am invoicing you for damages accordingly. Immediately delete this account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation