Consumer complaint received 2024-04-10 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: VW Credit
State: AL

Complaint narrative:
On XX/XX/XXXX, I initiated the process to purchase a car, expecting clear guidance on payment procedures. However, despite the passing of 30 days, I received no communication regarding payment instructions. On XX/XX/XXXX, I discovered through XXXX XXXX that XXXX XXXX was the designated recipient for payments. Yet, all attempts to contact them using the provided number ( XXXX ) proved futile as it was non-functional. 

Confusion arose when my credit report displayed VW Credit as the recipient, leading me to believe they were the rightful payee. It wasn't until XX/XX/year> that I learned I was actually supposed to make payments to XXXX XXXX XXXX. This discovery came after numerous attempts to clarify payment details with the dealership, where I was finally provided with the correct information for XXXX. 

Unfortunately, due to this misinformation and lack of clarity, I incurred late payments on my credit report for XXXX and XXXX, tarnishing my previously excellent credit standing. I was able to get an {$80000.00} car with XXXX money down and now This situation is a direct consequence of the XXXX negligence in providing clear and concise payment instructions. As a result, I am now burdened with a XXXX late reporting, which I firmly believe should be rectified considering the circumstances. It is imperative that these erroneous late payments be expunged from my credit history, given the company 's failure to furnish me with the necessary and accurate payment and account information in a timely manner. These late payments have taken my score from high XXXX when getting the car to low XXXX. I have no other derogatory marks on my credit. 

I am attaching where VW Credit is still reporting my loan. I am attaching proof that the phone number is inaccurate and that it is being reported by VW Credit and not XXXX XXXX in which I was suppose to pay. How is a consumer suppose to know who to pay if they don't get any information and cant reach the number to the account thats reported on VW Credit. 

To this day XX/XX/year>, I still do not have a break down of my payments from them or the updated amount when a payment is made. I don't know the original date my loan started. I make payments thru the portal it does not accurate reflect my loan information on when my loan payment started and when they are due. I just make sure I send in a payment now. 

In accordance with the Fair credit reporting act XXXX XXXX / VW Credit Account # XXXX has violated my rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666b - Sec. 1666b - Length of billing period in credit statement for imposition of finance charge ; effect of failure of timely mailing or delivery of statement : No statements have been mailed to me to date. They have violated me by not mailing me timely statements.

Company response to consumer: Closed with explanation