Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
Opened the loan XX/XX/XXXX payments were current. Car was illegally repossessed XX/XX/XXXX while it was at the shop. Payments were current. Not one late or missed payments ( and I have the credit reports to prove that ). The Truth in Lending Disclosure that was in our contract is incorrect, CNAC added the deferred down payments into the displayed finance charges and total payments. Total payoff of deferred payment price is 31.1 % ( see documents ). I was never notified this car was repo, no notice of reinstatement, no notice of redemption, no notice of auction, never even retained my personal items that were in the car. NOTHING!! 

***Violation of Truth in Lending Act, Violation of Illinois Uniform Commercial Code 810 ILCS 5/4, Illinois Motor Vehicle Retail Installment Sales Act 815 ILCS XXXX Credit file ( XXXX ) XX/XX/XXXX : Date of last payment is indicated as XXXX, even though I made the payments XX/XX/XXXX and XX/XX/XXXX ( see my up loaded bank statement ). While date of 1st delinquency was reported to XX/XX/XXXX and date of major delinquency was reported to be XX/XX/XXXX also. Major delinquency was not reported to the credit agency until XX/XX/XXXX. XXXX payment was not even due yet. Amount Past Due is listed at {$0.00}. Repo was XX/XX/XXXX and charge off was XX/XX/XXXX. The balance for historical date is incorrect, the balance just stayed the same even through many payments were made. 

Credit file ( XXXX ) XX/XX/XXXX : Date of 1st delinquency and major delinquency is still both reported for XX/XX/XXXX, repo is XX/XX/XXXX, charge off XX/XX/XXXX, amount past due {$0.00}, Term frequency is biweekly, term duration is blank, Credit file ( XXXX ) XX/XX/XXXX : Balance is incorrect. XXXX was reported as having a payment of {$500.00}, then XXXX was listed again with nothing. 

Credit file ( XXXX ) XX/XX/XXXX : Date of last update is reported at XX/XX/XXXX but ironically the date of 1st delinquency is now XX/XX/XXXX and date of 1st major reports to be XX/XX/XXXX. There is another charge off on my account for XX/XX/XXXX. But account history with status is still listing repo for XX/XX/XXXX and charge off for XX/XX/XXXX. XXXX still incorrect. 

Credit file ( XXXX ) XX/XX/XXXX : Now lists terms for 98 months, amount past due is the same as the balance of the car loan. Date of 1st deli is still XX/XX/XXXX and major XXXX is XX/XX/XXXX. It is listed as a charge off account but charge off amount is {$0.00}. And the Account History IS COMPLETELY WIPED CLEAN!!!! Sounds like someone wants to cover up the fact XXXX screwed up since they are to retain documents for XXXX yrs they want no prove of their XXXX ups. So just wipe it clean. That's straight up concealment of evidence!!! 

***Consumer Fraud and Deceptive Business Practices Act 815 ILCS XXXX I have also included XXXX reports from XXXX which all mimic XXXX. Keep in mind, CNAC is the one that wrote all those credit reports for the agencies. So it will be easy to see I had never missed any payments and most importantly that will be obvious CNAC not only know of their illegal repo but then tried to cover it up. Which is not what makes this a criminal matter. How many other people have they done this too?? 

Now I am starting to get calls for me to pay my outstanding balance with Byrider. 
And to my surprise my XXXX XXXX went down XXXX, yes XXXX points just this month. Because not its not bad enough they stole my car right from me with no judicial oversight, opportunity to reclaim, lost my {$1900.00} car payment, want me to pay the balance now also??? 

***Violation of XXXX of the Fair Credit Reporting Act, XXXX U.S.S XXXX, under XXXX and XXXX. ****** They also have totally destroyed my credit when they first repo this car but now are ruining it even further by changing the date of delinquency out further, slapping me with on repo, XXXX charge-offs, and now a balance due which kills by income ratio. I still have no car almost 2 years later, had to have my friend cosign for an XXXX XXXX me. Was turned down for a great job with great pay due to my XXXX XXXX. I have missed many events with my children since we have no transportation. Caused undue stress, sleepless nights, crying because I feel like a failure. All why?? Because of a greety company and then to keep destroying my credit to cover up their wrong doings!! Punitive Damages All Day. 

Read the rest of the complaints for XXXX, XXXX XXXX, Illinois. They are similar to mine. Some one needs to investigate this whole company. Not just call them, actually go down and pull their records!!! 

Consumer finance protection has already had one court case identical to this. It was against XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Bureau of Consumer Financial Protection was the person who signed the court order. Very similiar case and since I also ready have file one complaint with CFPB and no one investigated they just agreed with whatever CNAC said which was " I defaulted on the loan. '' Ok really were and when???? CNAC never indicated this. Well under the Illinois Uniform Commercial Code 810 ILCS XXXX " any third party documents is considered to be prima fasie evidence. '' So please actually investigate this time, help me but my life back together, and stop corruption of a dirty business. 

If there is anything else you need to complete this investigation please fell free to reach out. My email is XXXX. 

Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation