Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MCMC Auto LTD (TX)

This complaint is regarding correspondence I had with MCMC Auto on XX/XX/2019. This event came to happen due to errors I noticed on my credit report placed by MCMC. Below is an abridged version of events.

XX/XX/2019 Errors identified on my credit report XX/XX/2019 I spoke with MCMC customer service asking for clarification MCMC CSR stated a high balance owed, so I sent in writing A written request sent to CSR per U.S. Code 692g.Validation of debts Tue XX/XX/2019 Received email from MCMC General Manager stating, " There should be no deficiency balance. '' Tue XX/XX/2019 Responded to an email asking MCMC GM to call and clarify.

XX/XX/2019 Call from MCMC General Manager stated XXXX  balance and account was closed. I ask myself then why does my credit report states otherwise. So, I inquired as to how we can clean my credit report, and MCMC GM suggested {$4000.00} should fix it.

Tue XX/XX/2019 I felt blackmailed and railroaded at such a ludicrous request I sent MCMC GM email with a letter of Insufficient Validation.

Tue XX/XX/2019 MCMC GM emailed me, stating, " Per our conversation, there is no deficiency balance owed. It is reported as a repossession, but we do not pursue, nor do we report deficiencies to the credit reporting agencies. I am not sure what Sabrina sent you, I am going to get with her and review. Obviously, I have a training issue that I need to deal with ''.

Tue XX/XX/2019 I replied with, " Unless MCMC can produce the requested documentation, all I am asking is to have the reports deleted from the three reporting agencies as they can not be validated.

Tue XX/XX/2019 Email from MCMC GM " We are not pursuing a deficiency. We sent a strict foreclosure notice. The repossession occurred and was reported to the credit reporting agencies. We will not be deleting the information. '' Tue XX/XX/2019 XXXX XXXX  I replied, " I hoped for better results as to avoid litigation. '' Tue XX/XX/2019 Emailed MCMC GM a screenshot of the errors on my credit report Tue XX/XX/2019 I sent the Infraction of the Fair Credit Reporting Act notice Sat XX/XX/2019 I received a letter from MCMC 's lawyer stating that if I do pursue litigation, we will protect his client as well as seek additional fees as well as his fees for having to " defend such a frivolous lawsuit. '' I feel completely violated by MCMC, as well as their legal representation. It just makes me feel threatened and I searched and found this interesting article about " When May a Lawyer Threaten the Other Party with Criminal Prosecution? '' The civil adjudicative process is primarily designed for the settlement of disputes between parties, while the criminal process is designed for the protection of society as a whole. Threatening to use, or using, the criminal process to coerce adjustment of private civil claims or controversies is a subversion of that process ; further, the person against whom the criminal process is so misused may be deterred from asserting his legal rights and thus the usefulness of the civil process in settling private disputes is impaired ( XXXX XXXX XXXX, XXXX ).