Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WHEELS FINANCIAL GROUP, LLC.
State: TX

Complaint narrative:
XXXX XXXX acting as a XXXX XXXX XXXX XXXX XXXX intentionally submitted false information starting XX/XX/year> for a period of XXXX months and when contacted altered the information on my report to cause more damage to my credit and higher interest rates and overall denial of credit due to the manipulation and false information intentionally reported as a loan l servicer they should follow the rules and act according to federal laws and lending laws when they intentionally cause financial harm to the consumers by submitting false information to harm the consumer while creating false revenue for the bank they are servicing the loan for allowing them to provide false information to investors and from XX/XX/year> for XXXX months including recently altering my report to continue the damage and manipulate the automated system so it appears correct while causing harm and then when submitted with proof minus the fact i didnt expressly say loanmart as a XXXX XXXX intentionally submitted false information from XX/XX/year> for XXXX months on my report and continues to alter me information to cause harm their last response admitted to doing so while manipulating the automated system and not appearing in the wrong now they are still manipulating the automated system by denying that they did it when it clearly shows and i documented it the entire time including false payoff amounts and in the documents submitted i don't know how they can violate my rights cause financial harm intentionally and avoid the min fine per violation that the fcra placed to deter things like this its continued and devastating effects have prevented me from accessing credit destroyed a XXXX XXXX XXXX  by altering my report during the proceees intentionally marking it charged off then submitting false information that it's current and being paid while adding the amount of the payment to balance due and reporting it current XXXX XXXX when asked said its their servicers updating the report and discussing it with the servicer is the consumers and loanmarts problem. And ive submitted this multiple ways with proof of their intentional harm by submitting false information on my report. They responded by submitting false information to the CFPB that it was not them to manipulate the system and is there a point where the cfpb looks at a report and helps the consumer? If they have done this to others and they have its how they continue to do so without being fined and being forced to compensate the consumer for the damages intentionally done if the consequence of financial destruction of a consumers life is avoided by manipulating the automated system and being able to do so because they have the financial and access to the system to manipulate it how can it provide redress to the consumer when they know how to avoid detection and the consumer is left with no protection. This is the fault of the system that is supposed to prevent this type of conduct and if its as simple as manipulating the automated system untill the consumer gives up and goes away financially and emotionally destroyed then loanmart will continue to act this way harming consumers and face XXXX consequences if the system designed to protect the consumer is this easily manipulated then it provides protection for the creditor with the ability to understand the system manipulating it the consumer report and doing so secure in their ability to avoid the consequences

Company response to consumer: Closed with explanation