Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10481835
Complaint Overview
Complaint ID: 10481835
Company: Neighborhood Autos, LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Texas
ZIP Code: 75216
Date Received: 2024-10-16T12:00:00-05:00
Date Sent to Company: 2024-10-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint to address multiple serious issues with your handling of an account under my name. Specifically, 30-day late payments were reported for XX/XX/year> and XX/XX/year>, despite protections under the CARES Act, which prohibit the reporting of late payments during that period. Additionally, the account was paid after repossession, but I have not received the required 1099-C form for debt forgiveness reporting. Failure to provide this form constitutes tax fraud under IRS regulations, as the 1099-C is mandatory for settled or forgiven debts. I also have reason to believe that the repossession was not conducted in accordance with the Uniform Commercial Code ( UCC ). I reserve the right to seek damages from all involved parties under all available state and federal laws, including UCC 9-625 remedies. Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), you are required to ensure that all information reported to credit bureaus is 100 % accurate. This account, as currently reported, does not meet that standard. Therefore, I am demanding the immediate removal of the inaccurate payment history from my credit report. If the inaccurate information is not corrected or removed within 21 days, I will pursue legal action to enforce my rights under the FCRA and FDCPA, including seeking damages for non-compliance. If the incorrect information is not corrected or removed within 21 days, I will pursue legal action to protect my rights under the FCRA and FDCPA, including seeking damages for non-compliance.
Frequently Asked Questions
What is Complaint #10481835 about?
Complaint #10481835 was filed against Neighborhood Autos, LLC regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-10-16T12:00:00-05:00.
How did Neighborhood Autos, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Neighborhood Autos, LLC?
Yes, visit the Neighborhood Autos, LLC company profile at readthecomplaint.com/company/neighborhood-autos-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.