Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GREATER SUBURBAN ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
b'I submitted a dispute on more than 2 occasions with the last one on XXXX.\n\nDISPUTED INFORMATION:\n1. Specific Information being disputed: A. Payment Status; B. Account\nBalance; and C. Special Comments\n2. Explanation of Dispute:\nA. The company continuously verified as accurate the INACCURATE\npayment status of this account as Currently 60 days late. On several\noccasions I have disputed the Payment Status (not to be confused with\naccount status) on this account through XXXX  as well as through\nthe CFPB.\nThis account is CLOSED and with NO monthly payments scheduled or\nDUE, as well as NO BALANCE or AMOUNT PAST DUE was being reported.\nTherefore, the Payment Status COULD NOT have been 60 days late.\nThis is INACCURATE information continuously caused UNFAIR damages to my credit ratings and credit worthiness. I am prepared to show any judge or jury the damages caused, should it be necessary. Also, the account continues to show open when it is not.\nB. Account Balance was recently updated to XXXX. However, on previous investigation results, the company also verified as accurate that there was XXXX XXXX  (See included copy of credit report as supporting documentation).\nUpon receiving my initial dispute, under the FCRA, Section 623 (b)(1)(E), the company had a DUTY to either modify, delete or permanently block the reporting of the information. However, Greater Suburban did NOT do either, but verified that the reported information of XXXX XXXX as being accurate. Upon receiving recent investigation results from XXXX, they erroneously updated the balance to XXXX This proves that the company failed to modify the information in my initial dispute. If there was NO BALANCE, then exactly what was I 60 days late on??\nUnder the UCC Article 9 as well as state laws, Greater Suburban was to provide me with written notifications of my right to cure, notification of their intent to sell the vehicle (Notice of Disposition), as well as the Explanation of Calculation of Surplus or Deficiency. However, they FAILED to comply with either requirement of the UCC as I have NEVER received any such notifications.\nI have asked for a tracking number from the mailing source which will be used to verify the mailing and delivery of any such notices to my address at the time but have received nothing as verification of delivery. Hence, the updated balance of XXXX is NOT verifiable or accurate, because I NEVER received any verification of this information in which I clearly requested in my dispute to XXXX.\nUnder the UCC 9-625, it is clearly written of the penalties for failing to comply with requirements. The company should be held liable for the negligence of my consumer rights.\nC. Special Comments claiming that the subject vehicle was redeemed was reported and verified as accurate by them, when in fact, the subject vehicle was NOT redeemed. This information completely undermines the requirement as a furnisher to furnish accurate, complete and verifiable information, as the information was completely inaccurate.\n\nUnder Section 623 (a)(1)(B) of the FCRA, Greater Suburban may NO longer furnish any information related to this account to any consumer reporting agency. The FCRA is NOT about proving that a consumer owes any balance. It is about information on a consumers credit report being accurate, complete, and verifiable, as well as following the procedures of the FCRA.\nTherefore, under the FCRA, this account is to be DELETED from my credit report within 30 days of your company receiving this notice.\nFailure to comply gives me the right to pursue civil relief and it will be based on compliance to the FCRA as well as my rights under the UCC.\nI will be requesting for actual damages for mental distress as well as the damages the erroneous reporting caused to my credit ratings, reputation, credit\nworthiness, and credit capacity. I will also be requesting to be awarded punitive damages for negligence on your companys part.\nThis is NOT a request for an investigation or the notices that were to be provided to me in a timely manner AFTER the company took possession of the subject vehicle, but a demand for action under the FCRA and the CFPB. \n\nGreater Suburban needs full understanding of the following options:\n1. Delete this account from my credit report within 30 days of receiving this notice, and as a settlement of the damages, provide me with the amount that is erroneously and unverified balance being reported. XXXX which is more than generous.\n2. Delete this account from my credit report within 10 days of receiving this notice; and as a settlement for the damages, provide me with a copy of Bill of Sale from the auction along with half the amount of the amount that is erroneously being reported. XXXX even more generous.\n3. Do not comply with my demands and allow the court to decide on whether or not your company failed to comply with the procedures of the FCRA and the UCC. If even one is proven to be in my favor, I will be requesting to be awarded punitive damages which can be a lot more than options 1 or 2. Be advised, this is beyond proving what is owed or not. My argument will be based on compliance of procedures and the damages caused.\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX. OR remove the eroneous report!'

Company response to consumer: Closed with explanation