Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Global Lending Services LLC
State: MD

Complaint narrative:
To Whom It May Concern, This letter serves as a formal follow-up to my previously submitted complaint regarding the account associated with Global Lending Services . The complaint, identified by the CFPB reference number listed above, highlighted various discrepancies, violations, and unacknowledged issues in the reporting of this account. Unfortunately, the response provided has failed to adequately address the concerns raised or to provide the requested documentation and verification. 

Below, I have outlined the unresolved issues, the discrepancies in reporting, the missing documentation, and the relevant legal violations : -- - # # # 1. **Unresolved Issues and Missing Documentation** # # # # Account with Global Lending Services ( Account Number : XXXX ) : - **Requested Documentation Not Provided : ** - A bill of sale from the auction, including any updated balance information. You stated that the vehicle was sold at auction, yet no supporting documents, including a certified mailing receipt of the auction notice, were provided. 
- Documentation confirming the accounts securitization status. 
- Authenticated double-entry accounting records detailing all debits and credits associated with this account ( Chaudhry v. Gallerizzo, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ). 
- Proof of the original signed contract or agreement substantiating my obligation to pay this debt ( XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) ). 

- **Discrepancies in Reporting : ** - **Contradictory Remarks : ** The account remarks alternate between " Repossession, '' " Involuntary Repossession, '' and " Merchandise Was Taken Back by XXXX, '' creating confusion and misleading information. 
- **Payment History Errors : ** The payment history provided by XXXX XXXX XXXX XXXX severely inaccurate. Specifically : - Months leading up to the repossession are marked repeatedly as " XXXX, '' with no clear explanation or logical progression of delinquency. 
- Payment history fails to reflect any accurate late payment trajectory, which is required for proper reporting. 
- The reported " 29 % payments made '' conflicts with my personal records and does not account for several months of payments I made prior to the repossession. 
- **Unsupported Remarks : ** Remarks suggesting a balance due after repossession are unverified by any documentation provided and directly contradict industry standards for reporting after repossession. 

- **Violations : ** - Failure to provide proper notification of the repossession or a post-repossession deficiency notice. In your response, you asserted that these notices were provided ; however, no evidence of certified mailing receipts or other verifiable proof was included. 
- Violations of the Fair Credit Reporting Act ( FCRA ), including inaccurate and unverifiable information in credit reporting ( 15 U.S.C. 1681s-2 ).

- Failure to comply with the Uniform Commercial Code ( UCC ) by not providing adequate proof of sale and accurate balance reconciliation post-auction.

-- - # # # 2. **Additional Requests and Demands** - **Proof of Sent Documents : ** - I request evidence that all documents you claim were sent to me have, in fact, been provided. This should include postal tracking information or electronic delivery confirmation.

- Specifically, I request certified proof of the repossession notice, auction details ( including the date, location, and proceeds from the sale ), and any communication regarding post-sale deficiency balances. 

- **Specific Statement Rebuttals : ** - In your response, you stated that " the reporting is accurate and compliant with all applicable laws. '' This assertion is directly contradicted by the documented discrepancies and the failure to provide requested verification.

- **Actionable Demands : ** - Immediate correction of all inaccuracies or the complete deletion of the account from my credit report.

- Full validation of the debt, including authenticated accounting records, the original signed agreements, and compliance with federal and state laws.

- Confirmation that your reporting aligns with IRS and FCRA regulations.

-- - # # # 3. **Legal References** - Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i and 1681s-2.

- Uniform Commercial Code ( UCC ) regarding repossession and sale compliance. 
- Relevant Case Law : - XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 
- XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ). 

Failure to adequately respond to this letter within 30 days will leave me no choice but to escalate this matter further by filing additional complaints with the CFPB, the Federal Trade Commission ( FTC ), and my states attorney general. I will also pursue legal remedies to enforce my rights under the FCRA and other applicable laws. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Relevant documents, previous correspondence, and credit report excerpts

Company response to consumer: Closed with explanation