Consumer complaint received 2024-07-26 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
To : Golden 1 Credit Membership reinstatement committee To whom it may concern : My name is XXXX XXXX. In XXXX of XXXX I co-signed on a XXXX XXXX XXXX XXXX # XXXX. Less than a month after i helped my husband at the time XXXX XXXX XXXX obtain the XXXX XXXX for work he XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and left me driving her around in the car I co-signed for him. He moved out got a XXXX XXXX XXXX XXXX, took my kids from me. I had no control of what happened in regards to that vehicle. 

He filed for divorce. It took over a year in court and I had to hire an attorney to defend me. The lawyers office filed a Divorce Settlement Agreement which stated that XXXX XXXX was awarded the XXXX XXXX XXXX and he was to remove me from the loan with 60 days of the agreement. My lawyer told me to file a Notice of Transfer and Release of Liability which I did on XX/XX/XXXX. 

I went to the XXXX XXXX  Golden 1 Credit Bank on XXXX XXXX XXXX XXXX XXXX, XXXX. I went to a customer service person and explained what had took place and I asked her how do I provide my proof to have this removed from my name. She made a few phone calls and she said sorry but you co-signed for this vehicle and this is going to go on your credit and basically there is nothing I can do about it. I asked to speak to someone else and was told no one else would speak to me with regard to this. 

I left in disbelief that I had all my evidence and court documents and there was nothing I could do. I decided that this this was another insult to injury and I just have to wait for this to drop off. This has been a bad mark on my credit for many years now and today I received a 1099-C for {$11000.00}. 

I decided to call and speak to someone about this because it states this is a cancellation of debt so I figured okay this is the end to this co-signing fiasco. I checked my credit and there it is the loan from Golden 1 credit. 

I explained everything to the customer service lady and she gave me this email and said send my proof here and see if this car could finally be removed off my credit. So that's what I'm doing. 

Btw, I got my kids back sole custody he got supervised visitation for XXXX XXXX, his restraining order was dropped & all his debts became his and mine were mine. We went out separate ways. I don't know what happened to the XXXX XXXX XXXX. I had no part in anything after it was driven off the lot. 

Enclosed plz find my marriage settlement agreement, my notice of transfer of release of liability with dmv, XXXX XXXX XXXX the car was purchased and from whom, a snap shot of the agreement clearly stating XXXX XXXX 's responsibility of the XXXX XXXX XXXX, Judgment of Dissolution, a Sworn Statement to Welfare stating the vehicle was not in my possession signed XX/XX/XXXX. 

If you have any questions plz do not hesitate to contact me. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX CA XXXX XXXX Plz remove this vehicle from my credit and make this right. I never should have been dismissed at the Golden 1 XXXX office. If they would have just looked at my proof I would have had to endure years of bad credit as Golden 1 made sure to refresh my bad credit loan standing year after year. 

Thank you for your courtesy and consideration regarding this matter. Truly yours XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation