Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #10988629
Complaint Overview
Complaint ID: 10988629
Company: Lendmark Financial Services
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Georgia
ZIP Code: 303XX
Date Received: 2024-12-01T12:00:00-05:00
Date Sent to Company: 2024-12-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to express my outrage and formally challenge the blatantly misleading and defamatory response you submitted to the Consumer Financial Protection Bureau ( CFPB ) regarding my complaint. Your actions not only demonstrate a complete disregard for the truth but also amount to defamation of my character by falsely accusing me of maintaining possession of a vehicle that is no longer in my control. Your claim that multiple documents, including one bearing my wet signature, were attached to your response is patently false. Upon review, the only document attached was a statement dated XX/XX/year>, which neither contains my signature nor substantiates any of your claims. This misrepresentation to a federal agency is unacceptable, unethical, and likely illegal. Additionally, your assertion that I currently have possession of the vehicle is a deliberate lie. As I have already informed your company, the vehicle was inoperable and towed away by your organization. I even spoke with your representative, XXXX, to discuss the condition of the vehicle. During that conversation, I clearly explained that the car was not functional and that the dealership had sold me a defective vehiclea temporary life vehicle that broke down beyond repair. Despite this, XXXX chose only to focus on pushing a payment plan rather than addressing the issue of the vehicles condition or ownership. For you to continue reporting inaccurate information to the CFPB and likely to credit bureaus is not only a violation of my rights but also an intentional attempt to damage my creditworthiness and reputation. Your actions constitute defamation, as you have knowingly spread false information about my supposed possession of the vehicle. Your continued failure to provide required documentation and your blatant disregard for legal obligations under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) further demonstrate your companys pattern of deceptive practices.
Frequently Asked Questions
What is Complaint #10988629 about?
Complaint #10988629 was filed against Lendmark Financial Services regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-12-01T12:00:00-05:00.
How did Lendmark Financial Services 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 Lendmark Financial Services?
Yes, visit the Lendmark Financial Services company profile at readthecomplaint.com/company/lendmark-financial-services 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.