Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
I purchased a car from MEI , Inc./XXXX in XXXX. The company lied to sell me a bad car, I've had numerous issues with the car. My final issue was on XX/XX/XXXX. I then had the car towed to the company, told them they can have the car back and I agreed to pay the remainder of the car contract. They agreed to it. I continued to make the car payments every 2 weeks, while they kept calling me to harass me about getting a new car. On XX/XX/XXXX. XXXX, when they called, I gave them an attitude and told them to stop harassing me and I would never buy a car from them again. On XX/XX/XXXX, I went to log into my account to make my payment and my account was locked. I called them up and they told me I couldn't make a payment and they closed the account and I didn't have to worry about anything. I went to look for a new apartment in XX/XX/XXXX and was told I had a repo on my credit report with missed payments. The company started reporting late payments after they locked me out of my account and wouldn't let me make payments. When I called them, I told a lady what happened and that it was illegal to falsely report thing to credit agencies. The lady told me that if I had an issue I could do what I needed to do, but they have lawyers. I've asked for a copy of the contract and the ledger of all payments and they won't give it to me. I never had one missed or late payment for the duration of the account being opened. I've tried talking to someone high up, but no one will respond. They broke the contract by not letting me make payments. They reported missed payments in the months after the account was closed. They reported a missed payment for the months following a closed account. They closed the account in early XX/XX/XXXX and the months following were reported as missed payments. XX/XX/XXXX- XX/XX/XXXX. I filed a complaint with The Texas office of consumer credit commissioner and they lied to them. MEI said I was in their office on XX/XX/XXXX. I haven't been in their business since I got the car in XX/XX/XXXX. I asked for a security camera picture of me and they hung up the phone. They also told them I abandoned the vehicle the week of XX/XX/XXXX. I had the vehicle towed to them on XX/XX/XXXX. They said I contacted them on XX/XX/XXXX and agreed to make payments. I contacted them XX/XX/XXXX. XXXX and agreed. I made a payment every 2 weeks like I had always done, by the contract. Until they closed it without notifying me. They said they sent me a letter to settle it, and I never received it. I asked them for proof, like a tracking number or if they requested a signature and they said nothing. I asked for a copy of that letter and was told, we only send it out once. I was good to them, never missed a payment. This company has been caught lying and reporting false information multiple times. I will attach a copy of the OCCC letter to me, so you know what they said. There will be 2 photos, for the front and back of letter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation