Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WHEELS FINANCIAL GROUP, LLC.
State: NV

Complaint narrative:
I am writing to formally notify you of fraudulent activity on my credit report and to request the immediate removal of all inaccurate information. This is my Fifth attempt to resolve this matter, as my previous communication was partially addressed. The manager lied and said that he blocked the account and he only deleted the account. It was re-instated XXXX  without any written documentation which is against the FCRA so this will be escalated to the next level and the courts will be involved. I am requesting the validation of debt and the proof of recertification that took place. There is no address code that matches this account on my entire profile.

15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) Reinsertion of negative items- ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consuemers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional informationAs part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

You are also in violation of 15 U.S.C. 1692g so you have two violations for {$1000.00} per violation and i am now seeking I spoke to XXXX agent ID # XXXX who gave me incorrect information. I was trying to tell him that I previously called and spoke to a manager in the theft department in regards to XXXX XXXX  account # XXXX who said that I had more than enough information in my previous dispute to get this issue handled. Its been 6 years that this account has been on my credit report and Ive attempted to resolve this matter. He had to assign my case over to someone who handle these cases. The account was deleted finally and then it was recently re-instated so the manager lied and did not BLOCK the account. The account returned on my credit report XXXX XXXX did not provide documentation to me before adding this back to my credit report which is a violation!! FCRA ( A ) ( 5 ) ( B ) ( ii ) its a {$1000.00} fine!!!! The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumers credit report.

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report and expect the credit bureaus to remove it.

According to the FCRA, specifically : 1. **Section 605B** : Requires the deletion of information resulting from identity theft.

2. **Section 611** : Provides the right to dispute information in my credit file.

3. **Section 623** : Requires that furnishers of information to credit reporting agencies ensure the accuracy and integrity of the information provided.

4. 15 USC 1681 Section 602 states I have a right to privacy.

5. **15 USC 1681 Section 604 ( a ) Section 2 states a credit reporting agency can not furnish an account without my written instructions.

6. 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to Despite my previous attempts to resolve this issue with both the creditor and your agency, the inaccuracies remain on my report. This letter serves as a formal demand for the immediate removal of the following fraudulent items from my credit report : XXXX XXXX XXXX Account number XXXX In addition, please note that if this matter is not resolved promptly, I will be compelled to escalate my complaint to the Attorney General 's office. This step is necessary due to the multiple failed attempts to address this matter through the proper channels. I will be waiting for 30 days before I escalate this matter any further ( FRCA section 611 ( A ) ( 1 ) .According to FRCA Section 604 ( A ) ( 3 ), please provide proof of signature giving the the approval to pull my credit report, run my credit report, or do any kind of business.

If you can not verify the debt, please remove this off my account for the FIFTH TIME!!!

According to FRCA section 605 ( c ) you are in error by even updating this account! Delete and block the account like you were suppose to do!

Please find enclosed copies of my identification, a detailed account of the fraudulent activity, and any supporting documentation. I request a swift and thorough investigation and correction of my credit report. Every time I send something in mail, you claim that you can not verify my identity so an affidavit will be sent for verification. I pray that we can resolve this matter before it escalates to the next level.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation